Business Lending You Can Trust

The rates can change depending on the different lending products. At banks, interest rates are generally the prime rate + 2%, but strict qualifications restrict many businesses from reaching an approval that aligns with their business goals.

We offer SBA loans, equipment financing, business term loans, lines of credit, inventory financing, A/R financing, and asset-based lending. All these products come with different rates, and they all change constantly.

• For equipment and SBA funding, interest rates are in the single digits (6-8% range).
• A/R and asset-based lending come with high single-digit interest rates if you have high-quality receivables or collateral.
• If you don’t have B2B receivables or collateral, rates are around 1% per month and will increase from there. This equates to 12 to 18% annually.

We have relationships with the best non-bank lenders in the nation. We look to get you the best deal and get you the most competitive interest rate for whatever you’re looking to accomplish.

National Business Capital’s qualifications are:

• 1+ Year in Business
• $500,000 in Annual Revenue

These two criteria set a baseline for us to work with. From there, we’ll work with you to find the best options you qualify for.

National Business Capital’s team does soft credit pulls. From there, we can understand which lenders will approve you.

We do this through our lender matching technology and, of course, our team of expert Business Finance Advisors.

A majority of the lenders on our platform also do soft credit pulls. If you are going to get a hard inquiry to receive an offer, we’ll let you know upfront immediately.

With our digital application and 6 months of bank statements, you can secure up to $250,000 within a few hours!

If you’re looking for an amount above $250,000, it may take a bit longer. For example, $1 million to $5 million transactions can take anywhere from 3 to 7 business days.

The type of financing solution you’re seeking will also affect the funding time. For equipment financing, the process takes an average of 3 to 10 business days. We can do SBA loans in 45 days, which is lightning fast!

Keep in mind that bank financing takes an average of 90 days to complete, regardless of the amount or solution you’re seeking. With National, our team finds you the best options promptly, so we can move through the process on your schedule.

Some lending products are collected daily, weekly, bi-weekly, or monthly. We have monthly payment options available on our SBA loans, equipment financing, and business term loan products.

If you’re looking for a specific repayment option, just ask us! We can go over all the options available to you.