Welcome to National Business Loans

At National Business Loans, we offer a wide variety of financing solutions to meet the needs of growing businesses. Our options include traditional and alternative funding sources to help with everything from daily operations to major expansions. Available financing options include:

• Term Loans – Lump-sum funding with fixed payments, ideal for business growth, renovations, or large purchases.

• Business Lines of Credit – Flexible access to working capital whenever you need it, perfect for managing cash flow.

• SBA Loans – Government-backed loans with competitive rates and longer terms, designed to help small businesses thrive.

• Equipment Financing – Purchase or lease new or used equipment without draining your cash reserves.

• Accounts Receivable Financing – Turn your outstanding invoices into immediate cash to keep operations moving.

• Merchant Cash Advances – Receive an upfront lump sum in exchange for a percentage of future sales, offering fast, unsecured funding.

• Franchise Financing – Tailored funding solutions to start, expand, or support franchise operations.

• Residential Investment Loans – Financing for residential property investments to help build your real estate portfolio.

• Startup Funding – Access the capital you need to launch your new business venture successfully.

• Commercial Real Estate Financing – Fund the purchase, renovation, or refinancing of commercial properties.

No matter where your business is headed, we’re here to connect you with the right funding to help you get there.

At National Business Loans, we make securing funding as simple and accessible as possible. While requirements can vary depending on the type of financing, most of our programs have a few basic qualifications:

• Time in Business – You should have at least 6 months of operating history to demonstrate business stability.

• Monthly Revenue – Your business should generate a minimum of $10,000 in monthly sales to ensure the ability to support repayment.

• Credit Score – A personal or business credit score of 500 or higher is generally required, though we work with a variety of credit profiles.

Even if you’re just getting started or have less-than-perfect credit, we have flexible options available to help you access the capital you need. Our team is here to guide you toward the best funding solution for your situation.

At National Business Loans, we understand that timing is critical when it comes to business financing. Funding timelines vary depending on the type of loan and individual circumstances, but here’s a general guide:

• Term Loans & Business Lines of Credit – Typically funded within 1 to 3 business days after approval.

• SBA Loans – These government-backed loans take longer, usually 30 to 45 days to process and fund.

• Equipment Financing & Accounts Receivable Financing – Funds are often available within 2 to 5 business days, making these great options for businesses that need quick access to cash.

• Commercial Real Estate Financing – Due to the complexity of real estate transactions, funding typically takes 25 to 40 days.

Please note that these timelines are estimates and can vary based on your specific situation, documentation, and loan type. Our team works diligently to move the process along as quickly as possible so you can focus on growing your business.     

Credit score requirements vary depending on the type of financing and the lender. For traditional loans — such as bank loans or SBA loans — a minimum credit score of around 680 is typically expected. However, alternative lenders offer more flexible options and may approve businesses with credit scores as low as 550. Keep in mind that lower credit scores may impact the loan terms, including interest rates and repayment structures. At National Business Loans, we work with a wide range of credit profiles and will help you find the best possible funding solution for your situation.

Improving your business credit score is one of the smartest moves you can make to qualify for better financing terms and build a stronger financial foundation. Here are some key steps to help boost your business credit:

• Pay Bills on Time – Consistently paying vendors, lenders, and suppliers on or before the due date is one of the biggest factors that influences your credit score.

• Reduce Credit Utilization – Keep your credit balances low relative to your limits to show responsible credit management.

• Maintain a Positive Payment History – Establish a long-term track record of making timely payments across all accounts.

• Monitor Your Credit Regularly – Review your business credit reports often to spot errors, correct inaccuracies, and track your progress.

• Diversify Your Credit Mix – Using a variety of credit types (such as loans, lines of credit, and trade accounts) can positively impact your credit profile.

• Avoid Excessive Credit Inquiries – Limit the number of hard inquiries on your credit, as too many applications in a short time can lower your score.

Improving your business credit won’t happen overnight, but with consistent effort, you can significantly strengthen your financial reputation and open doors to more funding opportunities.

Interest rates for small business loans can vary widely based on the type of financing, the lender, and your business’s financial profile. Typically, rates range from 0% to 8% for qualified borrowers working with traditional banks or SBA lenders. However, businesses with lower credit scores or those seeking faster funding through alternative or online lenders may see higher rates to offset the increased risk. Factors like your credit score, time in business, revenue, and the overall strength of your application all play a role in determining your final rate. At National Business Loans, we work to match you with the most competitive offers available for your situation.

Applying for a business loan with National Business Loans is quick and straightforward. Here’s how the process works:

• Call for a Consultation – Prefer a personal touch? Give us a call and speak directly with one of our financing advisors.
• Complete an Online Application – Click Here to fill out our simple online form to get started in just a few minutes.
• Work with a Financing Advisor – Our experienced team will help you review your options and guide you toward the best loan product for your needs.
• Provide Basic Documentation – Submit essential documents like financial statements, bank statements, and tax returns to support your application.
  
• Get Instant Pre-Approval – Eligible businesses can take advantage of our instant pre-approval process, giving you fast answers and faster access to funding.