National Business Capital opened its doors in 2009. Based in New York, the company customizes business finance for every size and type of business by offering many loan options. Loans include small business loans, accounts receivable financing, commercial mortgage financing, equipment leasing and financing, merchant cash advances, SBA loans, and more. Customers enjoy zero upfront fees and knowing within 24 hours of the approval decision. National Business Capital holds a 90 percent approval rate. The approval process is not just based on your credit score, and business owners with poor or no credit history have been approved. National Business Capital is a member of the National Restaurant Association, a member of ETA, and an ASA associate member. The company is also an approved vendor with

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Lowest APR
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The Good

  • High approval rate
  • Alternative financing

Loan Approval Rate

The National Business Capital platform helps a majority of the businesses who apply for a loan through them. Business owners should be able to gain access to necessary funds quickly. National Business capital holds a 90 percent loan approval rate, with 70 percent of clients being previously turned down by a bank before reaching out to National Business Capital.

Alternative Financing Industry

Leaders such as National Business Capital are utilizing newer, faster ways to process and approve loans which make the financing experience far simpler for business owners. Many small business owners are turning this direction because bank decline rates for business loans.

The Bad

  • Customer complaints


The complaints found online for the company are about mailers the company sends out. Customers have also complained about the company’s lack of clarity regarding eligibility requirements, and whether National Business Capital’s services are available in every state.

The Bottom Line

This is a company with multiple years of experience in the business finance industry. Not being a traditional bank, they have regulations that are less time-consuming and not as harsh of guidelines as a traditional bank. National Business Capital claims that 70 percent of its clients were turned down previously by a bank. Although National Business Capital has a 90 percent approval rate, business owners need to take into consideration the company’s lack of information on their website.

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