3+ Months in Business
We fund all businesses, from growing startups, to local giants, and everything in between.
$120,000 in Annual Gross Sales
Whether you do $120K or $12 million in a year, we have your back!
No Minimum Credit Score
You don’t need squeaky-clean credit to qualify—we have options for all credit profiles.
Get cash on hand, and draw more whenever you need it.
Never over-borrow—
only pay for what you take.
Seize new opportunities or cover expenses now.
Don't risk your real estate if you don't have to. Learn how you can access an unsecured line of credit to grow your business—without putting up collateral!
Line Amount $10,000 – $5Mil
Flexible Terms 6 Months – 10 Years
Time to Fund 1 – 3 Days
Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.
Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.
Expand or open a second location, take on more clients, or capitalize on bulk order discounts.
A Business Line of Credit gives you the flexibility to access needed funds quickly and conveniently. It's a financing option that's tailored to your business's needs, while allowing you to cover any expense that might arise. One of the key benefits is that you only pay for what you use. This means you only get charged based on the amount you draw from your line of credit, rather than the entire amount that you're approved for. There are many unsecured business line of credit options available, meaning that you don't need to put collateral down to get funding.
You can draw as much as they want from your credit line as frequently as you want, up to a maximum predetermined amount. At National, we offer true revolving lines of credit. Unlike other options on the market, as you make payments on the amount you draw, the money will again become available. Even if you don't immediately need funding, a Business Line of Credit can help you handle unexpected emergencies and tackle new opportunities. With a business line of credit, you are only charged interest on the amount you use, not the entire available amount.
| 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 |
This calculator tool is provided for your convenience only. Numbers generated by the calculator do not guarantee the availability or approval of any loan or any specific loan terms. Although National makes an effort to ensure that the calculator is accurate, NBC does not guarantee or make any express or implied representations concerning the accuracy of the numbers generated by this calculator. NBC shall not be liable for any decisions made using this calculator.
© 2021 National Business Capital & Services, Inc.
All Rights Reserved
National Business Capital & Services has secured over $1 billion in business loans & financing.
