Accounts Receivable Financing | National Business Capital


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Accounts Receivable Financing

Turn Receivables into Cash (Without Alerting Customers) Lower Rates, Larger Amounts, Longer Terms Fill Customers’ Orders, Cover Gaps Between Payments
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What Do You Need to Qualify?

6+ Months in Business

We fund all businesses, from growing startups, to local giants, and everything in between.

$40,000 in Monthly Receivables

Whether you do $40K or $10+ million in invoicing, we haveyour back!

No Minimum Credit Score You don't need squeaky clean credit to qualify—we have options for all credit profiles.

What Are The Benefits?

Sell One or Several Invoices

Sell One or Several Invoices

You're in complete control—sell as many invoices as you'd like.

Get Funded Immediately

Get Funded Immediately

The wait for slow customer payments is over—get capital to grow  right away.

Manage Cash Flow Gaps

Manage Cash Flow Gaps

Cover labor costs, material & inventory purchases, and more.

We've Secured Over $1 Billion in Funding Through Our Exclusive Marketplace

Use Your Last Customer To Bring on the Next One

Learn how you can utilize your accounts receivable to access a credit line you can draw from as you need it. We won't tell your customers, and you can get an 80-95% against your receivables!

Unlock the Lowest Rates, Longest Terms and Highest Amounts

Months in Business

Financing Amount $100,000 – $5Mil

Months in Business

Flexible Terms 6 Months – 10 Years

No Minimum Credit Score Required

Time to Fund As Fast as 5 Days

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.

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. 

Why National Business Capital?

  • No Personal Guarantee
  • Flexible Terms
  • Flexible Payments
  • 90% Approval Rate

10 Reasons Why National Business Capital Offers the Best Small Business Financing

  Bank Direct Lenders table-logo
Paperwork - 2-3 Years Tax Return
- 2-3 years Financials
- 3-6 Months Bank Statements
- 1 Year Tax Return
- 1 year Financials
- 3 Months Bank Statements
- No Tax Returns Required
Application - Lengthy
- Paper Intensive
Multi-page Paper
- One page - One Minute
- DocuSign®
Number of Lenders 1 1 75+
Service Level Processor Programmatic Personal Advisor
Approval Process Weeks/Months Days/Weeks Hours/Days
Speed to Funding Months Days/Weeks Hours/Days
Collateral Requirements Always Sometimes Required Not Necessary
Business Profitability Always Sometimes Required Not Necessary
Credit Score 680+FICO 600+FICO No Minimum FICO
Credit Check Hard Pull Hard Pull Soft Pull

Why Choose National Business Capital for AR Funding?

National Business Capital is the #1 FinTech marketplace offering small business loans and services. Harnessing the power of smart technology and even smarter people, we’ve streamlined the approval process to secure over $1 billion in financing for small business owners to date. Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans, short and long-term loans and business lines of credit, as well as a full suite of revenue-driving business services. We strengthen local communities one small business loan at a time. For every deal we fund, we donate 10 meals to Feeding America!