Accounts Receivable Financing
See success on your schedule with frictionless access to essential capital.
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What Do You Need to Qualify?
4+ Months in Business
We fund all businesses, from growing businesses to local giants and everything in between.
$100,000 in Monthly Receivables
Whether you do $100K or $10+ million in invoicing, we have your back!
No Minimum Credit Score
You don't need squeaky clean credit to qualify—we have options for all credit profiles.
What Is Accounts Receivable Financing?
What Do You Need to Qualify?
What Are the Benefits?
How Can You Use Your Accounts Receivable Funding?
Why Choose National Business Capital for AR Funding?
What Is Accounts Receivable Financing?
What Is Accounts Receivable Financing?
Accounts receivable financing helps you obtain capital by using receivables as collateral. This may involve invoice factoring, which is the purchase of receivables for cash flow. Accounts receivable financing is a quick and simple path to getting financing. After selling your invoice or book of receivables, the factoring company is responsible for receiving payment—taking this completely off your own plate.
By selling your invoice(s) to a lender, you can get the capital you need to pursue new opportunities or manage cash flow and payroll right away. Because the invoice itself functions as collateral, you won’t have to put up assets or real estate to get this funding.
What Do You Need to Qualify?
What Do You Need to Qualify?
National’s 75+ lender marketplace makes it easy to secure the capital you need to reach your full potential. With one application, you’ll receive multiple offers to choose from. Our knowledgeable Business Finance Advisors help you select the right one for your specific circumstances, leveraging their years of industry experience to help ensure you’re able to grow without limits.
To qualify, all you’ll need is:
- 4+ Months in Business
- $100,000 in Monthly Receivables
- No Minimum Credit Score
That’s right—there’s no minimum credit score requirement.
What Are the Benefits?
What Are the Benefits?
Use Your Last Customer To Bring on the Next One
Transform your accounts receivable into working capital, new equipment, and more with National. Here are a few of the many benefits of our accounts receivable financing solution:
Sell One or Several Invoices
You’re in complete control—sell as many invoices as you’d like.
Get Funded Immediately
The wait for slow customer payments is over—get capital to grow right away.
Manage Cash Flow Gaps
Cover labor costs, material & inventory purchases, and more.
How Can You Use Your Accounts Receivable Funding?
How Can You Use Your Accounts Receivable Funding?
There are no restrictions—use your capital to pursue any opportunity or overcome any challenge!
Business Growth
Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.
Business Expenses
Bridge cash flow gaps between customer payments to cover payroll, vendor bills, and any other expenses.
Business Opportunities
Expand or open a second location, take on more clients, or capitalize on bulk order discounts.
Why Choose National Business Capital for AR Funding?
Why Choose National Business Capital for AR Funding?
Better Terms. Faster Funding. Easier Process.
Accelerate your success with frictionless financing and expert advice that breaks down the barriers to growth for every entrepreneur. Thrive with access to a business lending marketplace that’s built for entrepreneurs, by entrepreneurs.
Experience a time-saving machine that cuts approval times from months to hours. Leverage an extensive network of over 75 lenders and teams of expert financing advisors to ensure you’ll always have access to the capital that best
fits your business.
Working with NBC, gain a financing partner for the future, ensuring your business has the capital it needs to seize every opportunity and grow without limits.
National Business Capital. Grow to Greatness.
Unlock the Lowest Rates, Longest Terms, and Highest Amounts
Financing Amount
$100,000 - $5Mil
Invoice Percentage
90%+ of your aging A/R or outstanding receivables' value
Time to Fund
As Fast as 5 Days
How It Works
You’re only a few clicks away from the capital you need to reach your full potential.
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1.Apply Securely Within Minutes
Move through our streamlined application within minutes and upload your business documents with zero risk.
Apply Now -
2.Review Your Offers
Compare your offers with expert advice from our team and select the best one for your specific circumstances.
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3.Get Funded
With your money in hand, you can take advantage of opportunities and tackle challenges with confidence.



10 Reasons Why National Business Capital Offers the Best Small Business Financing
![]() | Bank | Direct Lenders | |
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Paperwork | ![]()
| Bank
| Direct Lenders
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Application | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]()
| Bank
| Direct Lenders
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Number of Lenders | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() 75+ | Bank 1 | Direct Lenders 1 |
Service Level | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Business Advisor | Bank Processor | Direct Lenders Programmatic |
Approval Process | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Hours/Days | Bank Weeks/Months | Direct Lenders Days/Weeks |
Speed to Funding | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Hours/Days | Bank Months | Direct Lenders Days/Weeks |
Collateral Requirements | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Not Necessary | Bank Always | Direct Lenders Sometimes Required |
Business Profitability | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Not Necessary | Bank Last 2 Years | Direct Lenders Sometimes Required |
Credit Score | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() No Minimum FICO | Bank 680+ FICO | Direct Lenders 600+ FICO |
Credit Check | ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Soft Pull | Bank Hard Pull | Direct Lenders Hard Pull |
Hear From Our Clients
2,000+ 5-star reviews, all from satisfied entrepreneurs
Ready to See Your Options?
Go from application to approval in hours, not months, with a streamlined process that merges high-tech with human-touch for high-efficiency financing.