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
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.
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
Financing Amount $100,000 – $5Mil
Flexible Terms 6 Months – 10 Years
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 |  |
|
|---|---|---|---|
| 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 Application |
- 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 |
