Business funding since 2016

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.

Apply — it is freeor call (844) 528-8696

The programsThe 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.

The six funding programs, ordered by cost
RateProgramAmountTermFunded
From 4.5% Line of credit Up to $1M 6 months – 3 years 1–2 days
From 4.5% Working capital Up to $1M Daily or weekly ACH 1–2 days
From 5.5% Term loan $20K – $1M 12 – 36 months 1–2 days
From 6% Short-term loan $10K – $1M Up to 24 months 1–2 days
From 8% Equipment financing Up to $250K 1 – 5 years 1–2 days
10% – 35% factor Cash advance $5K – $500K Daily or weekly ACH 24–48 hours

The card is wider than a phone: scroll it sideways for term and funding time.

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 processWhat happens after you apply

  1. 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.

  2. 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.

  3. 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.

A funding advisor at a desk, going through paperwork with a client.

PlainlyThe 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.

The networkThe 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.

ApplyApply

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.