National Business Capital Review: Business Loans

Who It’s Best For / Not For

Who National Business Capital Is Best For

• Businesses generating approximately $500,000 or more in annual revenue

• Established businesses operating for at least one year

• Companies seeking $250,000 or more in financing

• Businesses with substantial cash flow but less-than-perfect credit

• Companies that can leverage equipment, receivables, inventory, or other business assets

• Businesses that want access to multiple types of financing

Who Should Consider Other Options

• Businesses generating less than approximately $500,000 in annual revenue

• Startups and businesses operating for less than one year

• Companies seeking smaller financing amounts

• Borrowers who qualify for lower-cost online loans, bank, credit union, or SBA financing

• Businesses that want clearly published rates and fees before applying

• Companies with inconsistent revenue or limited business assets

National Business Capital Key Facts

Requirements vary by financing type. For example, National Business Capital's equipment financing currently requires at least one year in business, $500,000 in annual revenue, and a 600+ FICO score.

National Business Capital Reviews: Editorial Rating

Trusted Company Reviews Rating Score for National Business Capital: 8.0

The company's strengths include its extensive financing selection, high funding limits, customer satisfaction, and established reputation. The primary drawbacks are relatively high business-revenue requirements and limited upfront information about rates and fees.

How We Calculated Our National Business Capital Rating

We use the same weighted criteria to evaluate each business loan provider we review. Greater weight goes to factors that can have the biggest effect on borrowers, particularly pricing, value, and trust.

• Pricing & Value, 25%: 6.0/10

• Reputation & Trust, 20%: 9.0/10

• Financing Options & Features, 15%: 9.5/10

• Accessibility & Approval Requirements, 15%: 7.0/10

• Customer Satisfaction, 10%: 9.5/10

• Application, Funding & Borrower Support, 10%: 9.0/10

• Editorial Opinion Score, 5%: 8.0/10

• Overall Rating: 8.0/10

The weighted scores produce an overall National Business Capital rating of 8.0/10

National Business Capital Financing Options

National Business Capital offers a range of business financing options. Depending on the product, financing may come directly from National Business Capital or through one of its lending partners.

• Business term loans: $250,000 to $15 million for working capital, expansion, inventory, acquisitions, and other business expenses.

• Business lines of credit: Revolving financing that allows businesses to access funds as needed rather than borrowing a lump sum upfront.

• Cash-flow financing: Financing based primarily on business revenue and cash flow rather than physical collateral.

• Equipment financing: Funding for purchasing, replacing, or leasing vehicles, machinery, technology, and other business equipment.

• Asset-based financing: Loans and lines of credit secured by business assets, such as equipment, inventory, or accounts receivable.

• Accounts receivable financing: Provides access to capital based on outstanding customer receivables.

• Inventory financing: Allows qualifying businesses to use existing inventory to secure working capital.

• Purchase-order financing: Helps businesses cover supplier costs associated with fulfilling qualifying customer orders.

• SBA loans: Longer-term financing, partially backed by the Small Business Administration, that may offer lower borrowing costs. 

National Business Capital Rates and Fees

National Business Capital doesn't publish a single APR or fee range covering all of its financing options. Costs depend on factors including the financing product, business finances, collateral, lender, and applicant qualifications.

National says financing without B2B receivables or collateral can start around 1% per month, but actual pricing can be higher. That makes obtaining and carefully reviewing an offer particularly important.

National Business Capital Reviews and Complaints

National Business Capital reviews are overwhelmingly positive on Trustpilot. The company currently has a 4.9 out of 5 rating from more than 2,700 reviews, with customers frequently praising its representatives, communication, and financing process.

Its Better Business Bureau record is also strong. National Business Capital has an A+ BBB grade and has been accredited since 2012. BBB records indicate the company has operated since 2009.

Complaint volume is notably low compared with the number of customer reviews available online. However, borrowers should remember that National Business Capital works with outside lenders in addition to offering some financing itself. 

National Business Capital Alternatives

Borrowing from National Business Capital can make sense for established, higher-revenue companies with substantial financing needs. However, businesses that don't meet those requirements have several alternatives, including those found in our overview of the Best Private Lenders for Business Loans and Startups.

• LendingTree operates as a lending marketplace and can be useful for comparing multiple potential business financing offers.

• Fundbox focuses on business lines of credit and has lower revenue and time-in-business requirements, making it more accessible to smaller businesses.

• Fora Financial offers business financing with more flexible qualification requirements and may work better for businesses that fall below National's revenue threshold.

• Credibly offers several types of financing and relatively flexible qualification requirements for revenue-producing businesses.

• National Funding provides working-capital and equipment financing and can accommodate smaller funding needs.

• Taycor Financial offers equipment financing, term loans, lines of credit, and other business financing options.

National Business Capital Information and Data

Should You Choose National Business Capital?

National Business Capital is competitive for established, higher-revenue businesses that need substantial financing and want potential access to multiple funding options.

• Consider National Business Capital if: You run a business that generates revenue of at least $500,000 per year and has been in operation for at least one year, and you're looking for $250,000 or more in financing.

• Probably not if: You have a new or smaller business, you need a more modest financing amount, or you prefer clearly published rates and fees before applying.