National Business Capital Reviews
(Rated by 9 users)
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Payment Methods
- Verified Store VERIFIED
- Free shipping: Orders $50+
- In-store pickup: Ready in 2 hours
- 30-Day Returns
- Gap Good Rewards (4 brands)
Payment Methods
- Tops: $23 - $70
- Bottoms: $27 - $70
- Outerwear: $34 - $70
- Kids: $29 - $75
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Overall Rating
4.3
Base on 9 Reviews
Ratings by Feature
Ratings by Feature
- Shipping & Delivery4.0
- Customer Service4.8
- Return Policy4.3
- Good Value4.7
- Price & Quality4.0
Recent Customer Reviews (9)
Dieter Neumann
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Mary Bloomer
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Grant Sessoms
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Andrew Mitchell
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Melodie Belisle
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Irma Atkinson
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Megan McCarthy
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Steffen Fisher
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Richard Posey
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National Business Capital Pricing
Interest rates
5.00% - 60.00% APR
Equipment and SBA funding
6-8%
Rates without B2B receivables or collateral
12 - 18% annually
National Business Capital Pros & Cons
Pros
1
Accepts Bad Credit: National Business Capital works with consumers who have been denied loans through traditional banks, offering financing options for those with FICO credit scores below 500.
2
No Upfront Fees: The company does not charge upfront fees, making the application process more accessible.
3
Flexible Loan Terms: National Business Capital offers flexible repayment terms, including one to five-year repayment options and ten-year repayment terms for equipment financing.
4
High Approval Rate: Despite over 70% of customers being denied loans through traditional banks, National Business Capital has a high approval rate, with over 90% of applications being approved.
5
Quick Application Process: The application process is brief, taking just two minutes to complete, and decisions are made within 24 hours or less.
6
Multiple Financing Options: The company provides various financing options, including SBA loans, term loans, lines of credit, equipment financing, and revenue-based financing.
7
Helpful Online Calculators: National Business Capital offers online calculator tools to help customers determine how much they can afford and the cost of the loan over time.
CONS
1
Mixed Loan Details: Some customers have reported mixed experiences with loan details, which can vary depending on the lender.
2
High Revenue Requirement: There is a minimum annual revenue requirement of $500,000 to apply for some of their loans.
3
Potential High Interest Rates: Interest rates can be high, ranging from 5.00% to 60.00% APR, depending on the type of loan and the lender.
4
Prepayment Penalties: Some loan products, like SBA loans, may come with prepayment penalties, which can add additional costs if the loan is paid off early.
National Business Capital Features and Benefits
Features
Accepts Bad Credit
National Business Capital works with consumers who have been denied loans through traditional banks, offering financing options for those with FICO credit scores below 500.
No Upfront Fees
The company does not charge upfront fees, making the application process more accessible.
Flexible Loan Terms
National Business Capital offers flexible repayment terms, including one to five-year repayment options and ten-year repayment terms for equipment financing.
High Approval Rate
Despite over 70% of customers being denied loans through traditional banks, National Business Capital has a high approval rate, with over 90% of applications being approved.
Quick Application Process
The application process is brief, taking just two minutes to complete, and decisions are made within 24 hours or less.
Multiple Financing Options
The company provides various financing options, including SBA loans, term loans, lines of credit, equipment financing, and revenue-based financing.
Helpful Online Calculators
National Business Capital offers online calculator tools to help customers determine how much they can afford and the cost of the loan over time.
Donation to Feeding America
For every deal funded, National Business Capital donates 10 meals to Feeding America.
Wide Geographic Coverage
The company offers financing options for businesses in all 50 states.
Streamlined Financing
Enhance your business's growth with streamlined financing and specialized guidance designed to eliminate growth obstacles for every entrepreneur.
Rapid Access to Financial Resources
Benefit from a business lending platform crafted by entrepreneurs for entrepreneurs, offering rapid access to financial resources.
Reduced Approval Times
Transform your financial processes with a system that reduces approval times from months to mere hours.
Broad Network of Lenders
Utilize a broad network of over 75 lenders, supported by teams of financing experts, to guarantee access to the most suitable capital for your business needs.
Long-term Growth Ally
By partnering with NBC, secure a financial ally committed to your long-term growth, providing the essential capital to embrace opportunities and expand without boundaries.
Exclusive Lender Relationships
Get offers from lenders you can’t find anywhere else, then choose the right options for your business.
Funding In Hours
Once your application is accepted, you can get the money in your bank account just a few hours later.
Business Advisors for Your Company
Your personal business advisor will help you maximize the return on your investment while keeping your payments manageable.
Borrow Up to $10 Million
Combine lending options, such as a Small Business Administration loan and a business line of credit, to maximize the money you can borrow.
Connections Are Our Capital
NBC is invested in relationships, drawing on an extensive network of more than 75 lending partners to secure approvals that competitors can’t.
Community Involvement
From Thanksgiving basket deliveries to 5K runs for charity, National Business Capital’s award-winning team is “Driving Growth for All.”