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How to Consolidate Business Debt

5 min read. December 14, 2021 – by Jacinta Sherris Almost every business will seek out financing at one point or another. After all, financing allows you to purchase supplies, mitigate cash flow disruptions – even initiative growth ventures.  If you’ve taken out a number of business loans, you may find yourself struggling to keep track of…

Former Robinhood Employees Launch Parafin, New Startup for Small Business Financing

2 min read. December, 2021 – by Jacinta Sherris It’s no secret that securing small business financing isn’t easy – especially as a startup. Most banks and traditional lenders require at least 2 to 3 years of business history and steady revenue levels – which is oftentimes impossible for young, fast-growing companies to provide.  This is exactly…

Grants and Loans for Veterans and Their Families

4 min read. November, 2021 – by Joe Camberato As an active service member, retired veteran, or family member – you could qualify for interest-free loans and grants on everything from business loans to college costs. You may even be able to access financial aid to help cover unexpected expenses, such as those arising from natural disasters…

PPP Loans are Over – But Businesses Still Have Other Resources for Financing

3 min read. November, 2021 – by Phil Fernandes We may not be able to predict when the Covid-19 pandemic will end for good, at least not for the time being. However, one of the most defining characteristics of the pandemic has officially come to a close – namely, Paycheck Protection Program (PPP) loans.  The Paycheck Protection…

How Covid Is Changing Small-Business Lending

3 min read. November, 2021 – by Jacinta Sherris The worst of the Covid-19 pandemic is subsiding. As the economy recovers and businesses begin strategizing their next phases of growth, many are noticing a new set of challenges.  For starters, pent up consumer demand is driving up prices and inflationary levels. It’s also becoming harder to find…

The Importance of Business Financing

3 min read. November, 2021 – by Joe Camberato Business financing refers to the money needed to start your business, run your business, and grow your business. Cash infusions are critical from time to time and almost every business will rely on financing at some point.  Business financing can take many forms. For example, term loans, lines…

Long-Term Unemployment Falls but Small Businesses Still Struggle With Hiring

2 min read. November, 2021 – by Amanda D’Auria According to the Bureau of Labor Statistics, long-term unemployment fell by 357,000 people last month. This decrease is largely thanks to an improving job market and robust public health measures.  Roughly 32% of all Americans who are out of work are considered long-term unemployed, which means they’ve been…

Business Line of Credit Requirements: Everything You Need to Know

A business line of credit can be a great source of extra cash. Business lines of credit are extremely flexible financing solutions – you can use them to manage cash flow gaps, unexpected expenses, expansion opportunities, and more.  Unlike a business loan, which provides you with an upfront, lump-sum amount you’ll need to pay back…

6 Factors That Keep You From Getting a Small Business Loan

Business loans are a great way to get an influx of cash. They can be used to make large purchases, finance growth, cover operational costs, and more. Even though business loans offer a host of different benefits, it’s sometimes difficult to get approved for one.  Many lenders impose extremely rigid requirements and only certain businesses…

Long Term Business Loans: 7 Things You Need to Know

10 min read. June 6, 2022 by Joe Camberato Whether you anticipate it or not, the need for cash can put a financial strain on your business, especially when your working capital goes toward day-to-day operating costs. Long term business loans can help you cover these expenses, without costing you a fortune in the short term. Considering…

Can You Get Restaurant Loans with Bad Credit?

The answer to “can you get restaurant loans with bad credit?” depends on who you ask. Banks will say no, because it’s risky for them. But banks have slapped the “risk” label on many of National Business Capital & Service’s most successful restaurants that they fund. So, National doesn’t equate bad credit with “risk.” National sees funding…

How Hard is it to Get a Business Loan?

Every business business owner that lacks the necessary capital to face a daunting obstacle, or take advantage of an exciting opportunity for growth wants to know the answer to the question:  “How hard is it to get a business loan?” The harder the funding process, the more time, money and resources are exhausted by business…

4 Best Business Loans for Retailers

Retailers form a vital element of our economy. That shouldn’t really come as a surprise considering how often everyday people rely on retailers to buy essential goods and products. As such, retailers should know that they have a variety of funding options available to them –– not only to assist during difficult times, but also…

Commercial Mortgage Loans: 3 Things You Need to Know Before Applying

A commercial mortgage is a loan that is secured by commercial real estate, such as an office, building, warehouse, mall, apartment complex, and so on. In return for pledging collateral, business owners get a lower interest rate (and therefore lower total cost of borrowing) vs. an unsecured business loan. They also typically qualify for a…

An Overview of 5 Popular Types of Business Loans

In the past, most small business owners who wanted business funding typically had three options: They could apply for a bank loan — and typically get turned down, since bank loan lending criteria has gone beyond restrictive, and has entered the realm of the ridiculous.    They could try and find investors who, in return…

What is an ACH Loan & What are the Benefits?

One of the more innovative products available in the alternative lending marketplace is an ACH loan (sometimes called an ACH advance or cash flow loan).

National Business Capital Business Loans Recognized by Newsday

Ready for some good news? Small and medium-sized businesses on Long Island are finding it easier to obtain business loans than they have in the recent past. Bankers report that they are lending more because both banks and local businesses are healthier. More good news for people on the search for business loans is that…