6+ 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 $120,000 or $12,000,000+ in sales, we have your back!
No Minimum Credit Score
You don’t need squeaky clean credit to qualify—we work with all credit profiles.
Get funding for your business, without tying up personal assets in the process.
No set payments—repayment is based entirely on day-to-day sales.
You won’t need to leverage any personal (or business) real estate as collateral.
Get the financing solution you need without being locked into a monthly rate.
Learn how you can qualify without real estate collateral, and repay based on sales!
Financing Amount $10,000 – $5Mil
Flexible Terms Terms Tailored to You
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 merchant cash advance, also called a business cash advance, isn’t technically a loan. Instead, it’s a financing option that allows your business to get capital—quickly and easily—by utilizing future credit card sales.
By promising your lender future credit card sales, you can receive cash right away to put toward any new opportunity or expense.
This financing option is often overlooked or dismissed, but it can sometimes be a better choice than a typical small business loan. First, you can keep your cash flow steady by making payments based on daily credit card sales, instead of a set schedule. Second, you can get funding without putting up personal assets or real estate as collateral.
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!
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All Rights Reserved
National Business Capital & Services has secured over $1 billion in business loans & financing.
