What happens after you apply
How it works
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.
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 revenue-based funding 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.
