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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a National Business Capital's loan


How to apply

The application process in National Business Capital is uncomplicated, and it takes you less than a minute to finalize a digital application. After clicking the "Apply Now" button, a user will need to:

  1. Assemble personal and business information;

  2. Complete an online application form;

  3. Select the most appropriate funding solution and complete the application;

  4. Get connected with a matching lender;

  5. Get funded in a few hours.


The minimum age required for applying is 18 years old. Conditions for National Business Capital services depend on the type of business option you are applying for.

If you apply for Small Business loans, your business must be at least one year in operation and generate $120,000 in annual revenue (or $10,000 per month). Furthermore, you must have at least a 580 credit score to qualify for SBL.

To apply for an SBA loan, your business has to operate for at least two years, generate $100,000 in annual gross sales, and have a credit score of 685 and more.

As for equipment financing qualifying, clientele business credit score should start from 650. Take into account that for that option, you don't need an excellent credit score if your business generates at least $120,000 in annual gross sales.

Application details

Documentation for National Business Capital includes a credit report, budget, future cash flow projections, and a balance sheet. Besides the application, you'll need to provide the last three months of your business bank statements. Tax return information is optional. Some documents may be supplementary depending on the lender's conditions.

Applications are considered within a few days.

The most common reasons for rejection are insufficient business experience measured in years, operating in business, a low annual amount of sales, and a credit score.


What credit score does National Business Capital use?

National Business Capital doesn't have a minimum credit score requirement, but you will need to be three or more months in business and have annual sales of at least $120,000.

How long does it take the National Business Capital to disburse funds?

Funding time varies by the type of product: business loans 1-3 days, lines of credit 1-3 days, SBA loans 30-75 days, and equipment financing 2-5 days.

Can I apply for National Business Capital funding online?

Yes, you can begin the application process online. To do that, you will need to click on the "Apply Now" button.

Calculate loan payments in National Business Capital

National Business Capital calculator will allow you to calculate an approximate payment schedule for the loan

National Business Capital calculator
Interest rates are given in accordance with the rates of the National Business Capital in Washington, D.C. as of 01.10.2022
Loan amount

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25000 $
5000000 $
Loan term

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What to focus on before applying for a loan with National Business Capital

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between National Business Capital and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All National Business Capital’s reviews by October 2022
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