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National Business Working Capital Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

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National Business Working Capital ReviewWhen it comes to a small business, sometimes all you need is that extra money to help push your business beyond the lines of success. With that being said, it can be hard or difficult for some small business owners to get approved for small business loans if their credit is well below 750.

This is where National Business Capital shines as it touts an approval rating of over 90% of small business owners that apply. In this article, we are going to discuss the pros and the cons of National Business Capital and all the vital information you need to know before applying for any of their loans.


National Business has a higher-than-normal approval rating alongside alternative financing, making this company a favorable option for small business owners.


National Business has a plethora of customer complaints in regard to their mailers and lack of clarity in regards to their opportunities and requirements.

Loan and Lender Information

National Business is fairly new to the industry, as they were founded in 2009. The company is known for offering a wealth of loan options for businesses ranging from small business loans, commercial mortgage financing, equipment leasing, to even SBA loans. Customers of National Business flaunt how it only took less than 24 hours to hear back from National Business and having to pay no fees before applying. Keep in mind, many other notable companies could take days, weeks, or even months!

What makes National Business different than many other small business companies is the fact that it is not a traditional bank. Unlike traditional banks, National Business does not care for credit scores as much when it comes to working capital loans, which is one core reason why their approval rating is over 90%. National Business is proud member of ETA, ASA, and the National Restaurant Association.

Application Process

The application process for small loan with National Business is quite easy. All it takes is a simple less-than-two-minute sign-up form on their website, In light of this, there are only a few minimum requirements in order to apply:

  • Social Security Number
  • Make $10,000 a month.
  • Business is more than 3 months old.

With that being said, all small businesses that apply for a small loan with National Business can expect to hear back within 24 hours of their initial request.

Rates and Fees

When it comes to learning about the rates and fees for National Business Capital, it can feel quite confusing for newcomers. Reason being, this information may not be readily accessible until after the application. With that being said, we are here to warn you that, many customers who have chosen to utilize National Business Capital have warned others to take caution of the potential high interest rates, which may sneak up on you. In fact, some customers have even mentioned paying up to 30% of interest without even knowing. This is why it’s imperative that small businesses ask these questions in advance before signing any paperwork.


National Business is considered one of the leaders of the small loans industry. Unlike traditional banks, National Business is considered more lenient, hence why they are known for their higher-than-normal approval ratings. In fact, the company has a 90% approval rating! However, we do encourage all companies to take great caution before applying for any loan. Please be sure to do proper research.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


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