TL;DR
National Business Capital ranks #79 in our 2026 funder ranking. Best for merchants who want multi-product marketplace exposure beyond just mca. The strength: Broker/marketplace covering MCA, SBA, term loans, equipment, factoring. The watch-out: Broker commission embedded in pricing.
National Business Capital rate card 2026
| Category | Marketplace |
| Best for | Marketplace with strong term loan + SBA + alt-fin options |
| Amount range | $10,000 – $5,000,000 |
| Cost (factor / APR) | Varies by product type |
| Speed to fund | Funding in 1 – 14 days depending on product |
| Min time in business | 6 months |
| Min monthly revenue | $8,000+ |
| Min credit score | 550+ |
The strength — what National Business Capital does better than anyone
Broker/marketplace covering MCA, SBA, term loans, equipment, factoring. Strong industry-specific desks (trucking, construction). 75+ lender network.
The watch-out — what National Business Capital doesn't put in marketing
Broker commission embedded in pricing. High-pressure sales follow-up common.
Who National Business Capital is best for
Merchants who want multi-product marketplace exposure beyond just MCA.
Who shouldn't apply
Merchants ranking solidly above National Business Capital's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from National Business Capital actually makes sense.
How National Business Capital compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| National Business Capital (this funder) | Marketplace | Varies by product type | Funding in 1 – 14 days depending on product |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask National Business Capital before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is National Business Capital a direct funder or a broker?
- National Business Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue National Business Capital will fund?
- National Business Capital's published floor is $8,000+ in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can National Business Capital fund?
- National Business Capital's public speed quote is Funding in 1 – 14 days depending on product. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to National Business Capital or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including National Business Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's National Business Capital's biggest weakness vs alternatives?
- Broker commission embedded in pricing. High-pressure sales follow-up common.
Related reading
- The full 2026 ranking of 10 MCA funders — where National Business Capital sits and why.
- How factor rates actually work — the math behind Varies by product type.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.