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.
You're in complete control—sell as many invoices as you'd like.
The wait for slow customer payments is over—get capital to grow right away.
Cover labor costs, material & inventory purchases, and more.
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!
Financing Amount $10,000 – $5Mil
Flexible Terms 6 Months – 10 Years
Time to Fund 2 - 5 Days
Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.
Bridge cash flow gaps between customer payments to cover payroll, vendor bills and any other expenses.
Expand or open a second location, take on more clients, or capitalize on bulk order discounts.
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 & Services?
| 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 |
National Business Capital & Services 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!
© 2020 National Business Capital & Services, Inc. All Rights Reserved
