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Ricky Panchana

  • Business Finance Advisor
  • phone631-651-6256
  • email


As a Business Finance Advisor at National, Ricky Panchana has helped numerous business owners obtain the capital they need to grow through a fast, simple, and easy process.

Ricky began his career as a Mortgage Loan Officer in 2003. In 2008, he joined the United States Marine Corps and worked his way up to the rank of Sergeant. During his time in the Corps, he held multiple leadership roles while serving in support of Operations Iraqi and Enduring Freedom.

In 2015, Ricky earned his bachelor’s degree in Business Management from Farmingdale State University, and became an Operations Manager at Bank of America. In 2016, he led a sales team to achieve several milestones as an Account Manager at Shore Power Inc.

Joining National in 2018, Ricky immediately found his passion for helping small business owners pursue new opportunities. In this short time, he has earned many awards including, hitting milestones required for President’s Club in 2019, Top Advisor during multiple months, and the $100K Club member designation for September 2019. Ricky also helps create an engaging, collaborative work atmosphere at National as a Culture Team member!

When he’s not helping small businesses grow, Ricky enjoys exploring nature by paddle boarding, going on long rides on his Harley Davidson, camping, and beachin’ it up during the summer. He also enjoys prospecting on new real estate investments and stocks, clay target shooting, lifting weights, and learning about space exploration. One of his more recent interests include Roman history and politics.

Award & Recognition

President Club

President Club

Culture Team

Culture Team

Top Advisor

Top Advisor

Services Expert

Services Expert

Services Expert
Services Expert
Services Expert
Services Expert
Services Expert
Services Expert

Speed. Simplicity. Innovation.

You’ll work with an expert Business Financing Advisor to receive multiple offers with larger amounts, lower rates, and
longer terms from National’s exclusive global marketplace of over 75+ lenders.

Up To a $500K Small Business Loan

Qualify and Get Funded in as little as 24 Hours

Terms that Fit Your Business Needs

10 Reasons Why National is The Nationwide Leader

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 Last 2 Years Sometimes Required Not Necessary
Credit Score 680+FICO 600+FICO No Minimum FICO
Credit Check Hard Pull Hard Pull Soft Pull

There’s Always Room to Grow. Let National Help.

Larger Loan AmountsLarger Loan Amounts

Get anywhere from $40,000 to $5 million in financing to grow your business. The funds are yours to use for whatever you need to reach the next level!

Negotiable TermsNegotiable Terms

Work with a Business Financing Advisor to agree on terms that suit your business needs. Make monthly or weekly payments at your own pace with no hidden fees.

On-Call AdvisorsOn-Call Advisors

Our process is designed to save you money and time with limited paperwork. We’ll discuss your needs, find the best loan options for your business, let you choose the best one, request a few bank statements, and get your business funded!

Competitive RatesCompetitive Rates

Our online marketplace of 75+ lenders aggregates the best loan offers available so that you can get the deal that works best for your business.

Giving BackGiving Back

We’re committed to strengthening local communities, one small business loan at a time. For every deal we fund, we donate 10 meals to Feeding America!

#1 Alternative Lender#1 Alternative Lender

Our reviews & ratings speak for us. We pride ourselves on listening to your business’s story, and helping you accomplish your goals with speed, convenience and respect.

Apply Now. Receive Funding Tomorrow.
Get Started Growing Your Business!

Bad Credit? No Problem.

We have programs available for all credit profiles. Regardless of your credit score, we’ll pair you with a Business Financing Advisor to find the loan option that works for your business.

Minimum of $120,000 in Sales to Qualify

Is your business making $120,000 or more in annual sales? Have you been in business for over 6 months? Apply now to learn about your options and get started!

Through our streamlined online marketplace, we’ve secured over $1 billion in funding for
thousands of businesses nationwide.