National Business Capital

What National Business Capital does

National Business Capital is a privately held direct lender and broker founded in 2007 and headquartered in Hauppauge, New York. The firm originates and arranges business financing products — term loans, business lines of credit, cash flow financing, subordinated debt, and equipment financing — for small and mid-sized U.S. businesses (with at least one year of operating history and at least $500K in annual revenue), typically in ticket sizes up to $15 million. Beyond direct origination, the company operates an extensive third-party lender network and a formalized B2B2C Partner Portal serving private equity firms, investment bankers, M&A advisors, business consultants, commercial brokers, and financial advisors/CFOs who route sub-debt and bridge capital to their entrepreneur networks.

The underlying technology is a cloud-based lending platform hosted on Pantheon (a managed WebOps platform for WordPress), supported by SOC 2 Type 2 certified security infrastructure, TLS/SSL encryption in transit, encryption at rest, role-based access controls, and two-factor authentication. The application flow is digital, requiring six months of bank statements for underwriting, with smaller deals (up to $250K) approved within hours and larger transactions ($1M–$15M) closing in 3–7 business days. Equipment financing typically closes in 3–10 business days. The company has deployed $3B+ in cumulative funding across its 18-year history and maintains 3,000+ five-star Trustpilot reviews.

Revenue is generated through interest income on directly originated loans and through origination, arrangement, and referral fees on transactions matched via the lender network or partner channel. Pricing is usage-based and varies by product, with rates of approximately 1% per month (12–18% annually) on uncollateralized products versus prime + 2% on bank-style tranches. The company is privately held under the legal entity National Biz, LLC (New York), is founder-led by CEO Joe Camberato, and is not venture-backed per available data. Distribution is national across all 50 U.S. states, with no international footprint disclosed.

Name

National Business Capital

Legal name

National Biz, LLC

Website

https://nationalbusinesscapital.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

National Business Capital is a privately held U.S. direct lender and broker founded in 2007, originating and arranging up to $15M in term loans, lines of credit, cash flow financing, subordinated debt, and equipment financing for SMBs and financial advisor partners across all 50 states.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Loan Brokers (6163)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industry

Middle-Market Lending (FSANADAI)

Keywords

• Business lending
• Equipment financing
• Subordinated debt
• Business line of credit
• Cash flow financing

Headquarters

HQ city

Bohemia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Business Lending and Financing: National Business Capital generates revenue through originating and facilitating various business financing products including term loans, business lines of credit, cash flow financing, equipment financing, and subordinated debt. As a direct lender that also has access to a large network of lenders, the company earns interest income and fees on the financing products it originates in-house, while also potentially earning referral or arrangement fees on transactions matched through its lender network. Financing amounts range up to $15 million, with rates that vary by product type.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

National Business Capital is a direct business lender providing up to $15 million in financing to U.S. small and mid-sized businesses across all 50 states. Its core offering consists of five lending products—Term Loans, Business Line of Credit, Cash Flow Financing, Subordinated Debt, and Equipment Financing—underwritten primarily on cash-flow rather than asset collateral. The company also operates a broad lender network and a partner program that allows financial advisors, PE firms, and M&A advisors to offer its financing solutions to their clients.

Product overview

National Business Capital offers a unified platform of business financing products designed to serve as strategic junior capital between senior debt and equity. The core product suite consists of five lending solutions: Term Loans (fixed-rate, lump-sum financing for known project costs), Business Line of Credit (flexible revolving credit with interest-only payments on drawn amounts), Cash Flow Financing (short-term funding with revenue-based repayment), Subordinated Debt (junior capital for complex capital structures), and Equipment Financing (equipment-collateralized financing to avoid upfront costs). These products are designed for the 'in-between' moments when businesses need capital quickly—supporting working capital gaps, bridge situations, recapitalizations, acquisitions, and other time-sensitive capital needs. The company acts as a direct lender with access to a network of lenders, offering funding up to $15 million with approval processes that can be completed in hours to days compared to traditional bank timelines.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Up to $250,000 can be secured within a few hours of application
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Private Equity FirmscoreChannel Partner/ Reseller/ DistributorNational Business Capital's Partner Program targets private equity firms, enabling them to offer flexible financing solutions up to $15M to their portfolio companies and entrepreneur networks. Partners can access a dedicated Partner Portal for managing client applications and financing relationships.
• Investment BankerscoreChannel Partner/ Reseller/ DistributorInvestment bankers partner with National to access financing solutions for their clients' capital needs, utilizing the partner portal and up to $15M in available capital for deal facilitation.
• M&A AdvisorscoreChannel Partner/ Reseller/ DistributorM&A advisors leverage National's financing capabilities to support their clients through acquisitions, recapitalizations, and other M&A-related capital events, with access up to $15M per transaction.
• Business Consultants, Commercial Brokers, and Financial Advisors/CFOscoreChannel Partner/ Reseller/ DistributorBusiness consultants, commercial brokers, and financial advisors/CFOs are part of the partner program, enabling them to offer National's financing solutions (lines of credit, term loans, equipment financing, sub debt) to their clients under a referral or co-origination model.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kapitus: Direct competitor providing working capital, equipment financing, and SBA loans to SMBs. Named alongside National in IRAEmpire's 2026 best heavy equipment financing rankings, operating a comparable direct-lending model with inside-sales distribution.
• OnDeck Capital: Major fintech SMB lender offering term loans and lines of credit through a fully digital, data-driven underwriting platform. Competes with National for the same credit-constrained SMB borrower segment but with proprietary technology and broader brand recognition.
• Credibly: Direct competitor offering working capital, term loans, and lines of credit to SMBs. Credibly is explicitly named alongside National in IRAEmpire's best-in-class equipment financing rankings, operating the same direct-lending model targeting underserved SMBs.
• Fundbox: Fintech SMB lender providing lines of credit and short-term working capital solutions to small businesses. Competes with National's cash flow financing and line of credit products, often with embedded B2B platform integrations.
• Lendio: SMB loan marketplace connecting borrowers with multiple lenders, similar to National's network model. Operates a partner/referral-driven distribution with a broad product suite, competing for the same underserved SMB segment.
• BlueVine: Digital SMB lender providing lines of credit, invoice factoring, and term loans to small businesses. Competes with National on speed of funding and SMB customer profile, with a tech-forward underwriting approach.
• CAN Capital: Long-standing alternative SMB lender offering working capital loans, term loans, and merchant cash advances. Targets the same credit-constrained SMB borrower segment as National with comparable direct-lending and inside-sales distribution.
• Fora Financial: Direct SMB working capital lender providing short-term funding, lines of credit, and merchant cash advances to small businesses. Competes in the same alternative SMB lending category with comparable speed, pricing, and target borrower profile.
• Credion Finance: Direct competitor in the SMB and middle-market lending space, also ranked alongside National in IRAEmpire's 2026 best equipment financing lists. Provides similar term loans, lines of credit, and cash flow financing to SMBs that traditional banks decline.
• Crest Capital: Direct competitor specializing in equipment leasing and financing for businesses. Named in IRAEmpire's 2026 best heavy equipment financing rankings alongside National, competing head-to-head in the equipment finance vertical that National has prioritized.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/natbuscap
• Facebookfacebook.com/nationalbusinesscapitalinc
• LinkedInlinkedin.com/company/2385359

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Business Capital