A funding advisory firm
Six ways to borrow,and what each one costs.
National Capital is a funding advisory firm. It does not lend. One application goes to a network of more than 80 lenders, the offers come back, and an advisor reads them with you before you decide.
- No fee to apply
- Soft inquiry only
- Offers in a day
- Advisor on every file
No fee to apply, and an advisor on every file.
The price list
The rate card
Every program this firm arranges, with the price attached. Rates are where they start; where a particular business lands inside them is the lender's decision once it has read the application.
| Program | Rate | Amount | Term | Funded in |
|---|---|---|---|---|
| Line of credit | From 4.5% | Up to $1M | 6 months – 3 years | 1–2 days |
| Working capital | From 4.5% | Up to $1M | Daily or weekly ACH | 1–2 days |
| Term loan | From 5.5% | $20K – $1M | 12 – 36 months | 1–2 days |
| Short-term loan | From 6% | $10K – $1M | Up to 24 months | 1–2 days |
| Equipment financing | From 8% | Up to $250K | 1 – 5 years | 1–2 days |
| Cash advance | 10% – 35% factor | $5K – $500K | Daily or weekly ACH | 24–48 hours |
A factor rate is not an interest rate and the two cannot be compared by putting the numbers side by side. A factor of 10% on $100,000 is $110,000 to repay whether it takes six months or eighteen — paying it off early does not make it cheaper. Interest does fall if the balance does.
The network
The network, and what it has done
These are the network's figures rather than this office's. Applications from National Capital go to the same lending partners as applications from the other brands that use it, and the totals below are what that network has arranged in all.
What happens after you apply
Apply, read the offers, choose.
One application, a set of offers, and somebody whose job is to read them with you.
Step 01
You apply
About two minutes online, with basic details about the business. No documents to start, no fee, and a soft inquiry that leaves the owner's credit score where it is.
Step 02
An advisor reads the offers
One application reaches the network and the offers come back together. An advisor goes through them with you — what each costs, how each is repaid, and which of them you should probably refuse.
Step 03
You choose, or you do not
There is no obligation to take any of them. If you do, the money is usually in the account within 24 to 48 hours.
Before you apply
The things worth knowing before you apply
- We are not the lender
- National Capital arranges funding and is paid by the lender, not by you. The amount, the rate, the term and the decision all belong to whichever lender you accept.
- Five of the six need no collateral
- Only equipment financing is secured, and it is secured on the equipment it buys.
- Applying does not mark your credit
- The application is a soft inquiry. A hard check happens later, with your agreement, and only if you go ahead with a particular lender.
- The rates above are floors
- They are where each program starts. What a business is actually offered depends on its revenue, how long it has traded and its credit profile.
- Nothing is payable to us
- No application fee, no processing fee, and nothing owed if every offer is refused.
Asked first
Questions
How much will it cost?
Between 4.5% and 8% on the five loans, depending on which one and on the business. An advance is priced as a factor of 10% to 35%, which is a different thing and is explained under the rate card.
How long does it take?
Offers usually come back the same day or the next. Funding is normally 24 to 48 hours after you sign. Nothing here funds in an hour.
What do I need to apply?
Basic information about the business. No documents are needed to start; bank statements are asked for once there is something to look at.
Will it affect my credit score?
Not to apply. The application is a soft inquiry. A hard inquiry only happens if you decide to proceed with a lender.
Can I apply with poor credit?
Yes, and it is worth doing. Lenders in the network draw their lines in different places, and the cash advance in particular is decided on takings rather than on a credit file.
Do I have to take an offer?
No. The offers are yours to read and refuse, and nothing is owed if you refuse all of them.
The application
Apply
About two minutes, no fee, no obligation, and no mark on the owner's credit score for asking.
Rather talk to somebody first? (844) 528-8696, Monday to Friday.