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Loans and Financing for Small Businesses.

Your Competition Is Back to Growing. Are You? Get Funding Now.

Our simple application connects you with our 75+ lender marketplace to get you the best rates, terms, and amounts.

Types of Small Business Loans:

-Small Business Loans
-Business Lines of Credit
-Equipment Financing
-SBA Loans
-Merchant Cash Advances
-Accounts Receivable Financing
-Commercial Mortgage Loans
-Startup Business Loans

Qualifying For An SBA Loan: What Small Businesses Need To Know

Considering getting a small business loan but worried about the process? Getting a small business loan doesn’t have to be complicated. We’re breaking down how to get a small business loan in 5 easy steps.

There are no restrictions-use your capital to pursue any opportunity or overcome any challenge!

Business Line of Credit

Unique Benefits:

• Unsecured
• Same Day Funding Available
• Only Pay for What You Use
• Up to $250,000 Line of Credit
• True Revolver; Each Payment Frees Up. Additional Available Funds

Qualifications

• 1 Year Time in Business
• $25,000 Deposited Monthly in Business
Bank Account or $300,000 Annual Sales
• 600 Minimum FICO

Equipment Financing

Unique Benefits

• Rates Start at 6%
• Monthly Payments
• Longest Term: 5 Years
• $1,000,000 Max Amount for First Funding
• 65-100% LTV Depending on Program

Qualifications

• 1 Year Time in Business
• 675 Minimum FICO
• No Private Party Sales
• Invoice Required for Quote

Inventory Line of Credit

Unique Benefits

• Revolving Line of Credit
• Facility Size $250,000 – No Cap
• Line of Credit Amount Fluctuates as Inventory Fluctuates (up and down)
• Rates Starting at Prime + 2%
• Up to 85% Financing of Inventory Liquidation Value
• 7 – 14 Days Application to Funding

Qualifications

• $1 Million in Current Inventory
• $1 Million in Annual Sales
• 1 Year Time in Business
• No Minimum FICO

Financing for Healthcare

Unique Benefits

• Owning a Practice is Not a Requirement
• Low Rates and Long Terms
• Available to Most Licensed Medical
Professionals

Qualifications

• 1 Year Time in Business (*6 Months TIB if Depositing over $50,000 Per Month)
• $25,000 Deposited Monthly in Business Bank account or $300,000 Annual Sales
• No Minimum FICO

A/R Line of Credit

Unique Benefits

• Revolving Line of Credit
• Facility Size: $250,000 – No Cap
• Line of Credit Amount Fluctuates as A/R Fluctuates (up and down)
• Rates Starting at Prime + 2%
• Up 95% Financing of Current A/R
• 4 – 7 Days Application to Funding

Qualifications

• Minimum $100,000 in Open Receivables
on 30-60 Day Terms
• $1 Million in Annual Sales
• 1 Year Time in Business
• No Minimum FICO

SBA Loan

Unique Benefits

• No Prepayment Penalty
• Monthly Payments Available
• Reports to Business Credit Bureaus
• 10 – 25 Year Terms
• Refinance Up to 2 MCAs

Qualifications

• 2 Years Time in Business
• $25,000 Deposited Monthly in business Bank account or $300,000 Annual Sales
• 660+ FICO
• No BKs/Liens/Foreclosures in Last 3 Years

Business Term Loan

Unique Benefits

• No Prepayment Penalty
• Monthly Payments Available
• Reports to Business Credit Bureaus
• 1 – 2 Year Terms
• Refinance Up to 2 MCAs

Qualifications

• 2 Years Time in Business
• $25,000 Deposited Monthly in business
Bank Aaccount or $300,000 Annual Sales
• 660+ FICO
• No BKs/Liens/Foreclosures in Last 3 Years

Business Advance

Unique Benefits

• Same Day Funding Available
• All Industries
• 6 – 24 Month Terms Available
• Up to $5 Million Funded Amount
• Flexible Terms

Qualifications

• 1 Year Time in Business (*6 Months TIB if depositing over $50,000 Per Month)
• $25,000 Deposited Monthly in business
Bank account or $300,000 Annual Sales
• No Minimum FICO

10 Reasons Why National is The Nationwide Leader

 BankDirect LendersNational
Paperwork2-3 Years Tax Return
2-3 Years Financials
3 to 6 Months Bank Statements
1 Year Tax Return
1 Year Financials
3 Months Bank Statements
No Tax Returns Required
ApplicationLengthy
Paper Intensive
Multi Page Paper
Application
One Page
One Minute
docusign
Number of Lenders1175
Service LevelProcessorProgrammaticPersonal Advisor
Approval ProcessWeeks/MonthsDays/WeeksHours/Days
Speed to FundingMonthsDays/WeeksHours/Days
Collateral RequirementsAlwaysSometime RequiredNot Necessary
Business ProfitabilityLast 2 YearsSometime RequiredNot Necessary
Credit Score680+Fico680+FicoNo Minimum Fico
Credit CheckHard PullHard PullSoft Pull

How to Get a Small Business Loan Without Leveraging Collateral

The first thing you want to do is look for the word “unsecured.” If this word appears before the name of any business loan, that means the lender does not require any collateral of any kind to be leveraged on your end.

This means that if you should default on your unsecured business loan, none of your personal or business assets will be at risk.

Your options for unsecured business loans include:

Unsecured Small Business Loans
Unsecured Business Lines of Credit

Getting a small business loan without collateral is easier and faster than you think, and keeps your personal and businesses assets where they belong: safely and securely with you. 

Our team will provide you with transparent, objective information so that you can make an informed decision.

We partner with clients to help them advance on their business journey and if you decide to make us part of your success, we’d be honored to help you, too.
How to Apply for Business Loans without Collateral.

To learn more, contact our team of Business Financing Advisors today for a free consultation and get started right away by filling out our 1-minute application online. 

We help all industries including:

-Construction
-Transportation
-E-Commerce
-Medical Wholesale/Distributors
-Restaurants
And many more…

Don’t Choose the Wrong Financing Option! Let Us Match You with the Right Lender
Get the cash you need – to accomplish what you want

We’ll find the right small business loan for you through our 75+ lender network

-$25,000 to $10,000,000 small business loans
-One simple and fast application
-Multiple offers with larger amounts
-Lower rates and longer terms
-No minimum credit score
-No real estate collateral needed

Let our knowledgeable experts match you with the right loan

Compare Loan Offers from Multiple Lenders in Minutes

Consult with a knowledgeable Business Finance Adviser & get matched to 1 or more of the right lenders from our 75+ marketplace.

At National, we understand both the expenses and opportunities that business owners face throughout the year. That’s why proudly offer affordable, low-administration loans.

It’s important to weigh the pros and cons of various lending solutions to make sure they’re a good fit for your needs. While it’s tempting to go after the business loan with the lowest-rate, you may not always qualify for that option and it may not necessarily suit your situation. Oftentimes, loans with the highest approval rates and fasted funding times tend to be more expensive.

Take a look at the average business loan interest rate according to different loan types.

Traditional bank loans: 2% to 13%
SBA loans: 5.5% to 8%
Online loans: 7% to 100%
Merchant cash advances: 20% to 250%
Invoice financing: 13% to 60%

Reasons for a loan:

Increase working capital
Purchase more inventory
Update equipment
Cover payroll
Add locations
Hire employees

National’s Got Your Back: Capital Financing

We’ve Funded Over 25,000 Transactions Since 2007
Your Trusted Business Financing Team

-$2 Billion Funded to Businesses
-Top Fintech Marketplace
-#1 Workplace 2019, 2020, 2021 & 2022

After filling out a 60-second application, we’ll find the best options within our network of over 75+ lenders to compare the best rates and terms. The ROI from having a loyal patient base will pay off in droves.

Consult with a knowledgeable Business Finance Adviser & get matched to 1 or more of the right lenders from our 75+ marketplace.

To get a quote or to get more information about the types of loans available by simply filling out our 1-minute application online. Please log in to our online application platform by entering your valid email and name below:

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