What are Commercial Loans?

The need for additional financing arises when businesses do not have sufficient cash on hand to cover major expenses and other contingencies. It is at this point that businesses turn to financial institutions and financing companies for commercial loans to cover the expenses of running their company.

For small businesses especially, receiving commercial loans may be difficult. This is partly because banks offer financing but with expensive upfront costs and expanded timelines, from application to approval to the borrower receiving their financing. Over the last decade the funds allocated toward small business loans, in particular, have become much smaller.

what is a commercial business loan

What is a Small Business Commercial Loan?

Term loans, business lines of credit, unsecured loans, and specialized loans are available from banks and through the efforts of alternative financing companies.

When seeking a commercial loan, it is especially important to know what type of financing is right for the specific contingency. Another consideration is the speed of the process and, most important, the reputation of the financing company.

Where to Find Commercial Loans

Applying for commercial loans may be bewildering to business owners who need working capital. At National Business Capital, a leading alternative financing company, we take the time to get to know our clients and their businesses, this way we can be sure that we are helping them to receive the right type of financing their business needs.

Our application process is quick and requires less documentation than traditional banks. Our financing underwriting criteria is not based on FICO and decisions are made in 24 hours or less. Approved commercial loan funds are made available to borrowers quickly so that business owners can focus on their business.

Apply for Commercial Business Loans

National’s goal is simply to establish an ongoing business relationship founded on mutual trust. This way, whenever our clients’ businesses require additional capital, they turn to us knowing that we have a vested interest in their present and future professional success.

If you have questions about commercial loans or financing for your business, call our Business Consultants for a confidential consultation at (877) 482-3008.

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!


About the Author, Megan Capobianco

Megan is passionate about helping business owners along their journey - providing them with relevant content they can use in their day-to-day operations.

Disclaimer: The information and insights in this article are provided for informational purposes only, and do not constitute financial, legal, tax, business or personal advise from National Business Capital & Services and the author. Do no rely on this information as advice and please consult with your financial advisor, accountant and/or attorney before making any decisions. If you rely solely in this information it is at your own risk. The information is true and accurate to the best of our knowledge, but there maybe errors, omissions, or mistakes.