Short answer
National Business Capital is a funding marketplace, not a lender, and it has the strongest record of any broker in this market that we have examined: A plus with the BBB, accredited since 2012, in business since 2009, and just 1 complaint in the last 3 years. It also does something almost no competitor does, which is publish the factor rate range it places deals at. That single fact is worth more to a business owner than any review score, and this page explains how to use it.
This page summarizes what the public record shows as of September 20, 2026. Rating, accreditation date, incorporation date and complaint counts were read directly from the company's Better Business Bureau profile. No state or federal enforcement action against National Business Capital could be located.
What the record shows
BBB rating:
A plus, and a BBB accredited business.
Accredited since:
6/29/2012, which is 14 years of continuous accreditation.
Business started:
10/1/2009, operating from Bohemia, New York.
Years in business:
16.
Complaints:
1 complaint in the last 3 years, and 0 complaints closed in the last 12 months.
Enforcement:
no state or federal action located.
One complaint across three years, against a company placing deals since 2009, is about as clean as this industry gets. It is worth saying plainly rather than burying, because a business owner searching this company's name deserves to know that the alarming headlines they will find elsewhere are not describing this record.
How the business actually works
National Business Capital does not lend its own money. It is a marketplace that places applications with a network of lender partners, reported at more than 75, across deal sizes from $10,000 up to $10 million. Its revenue comes from commissions paid by those lenders when a deal closes.
The product menu spans merchant cash advances, SBA 7(a) loans, conventional term loans, lines of credit, equipment financing and commercial real estate. That range matters, because a business that qualifies for an SBA loan or a conventional term loan should not be taking a merchant cash advance, and a broker with the full menu can in principle route you to the cheaper product.
One important limitation applies to every broker, including this one. The commission is paid by the lender, and different products pay differently. That is not an accusation against this company, whose complaint record suggests it behaves well. It is simply the structure, and you should understand the incentive in the room when an offer is presented to you.
The published factor rate, and what it means in dollars
This is the part worth reading twice.
Most funders and brokers will not tell you what an advance costs until a salesperson has your bank statements. National Business Capital publishes a factor rate range of 1.10 to 1.45 for its merchant cash advance placements. You can therefore do the arithmetic before you ever pick up the phone, which is not true of most of this market.
Here is what that range means on a $100,000 advance.
At a factor rate of 1.10:
you repay $110,000. The cost of the money is $10,000.
At a factor rate of 1.25:
you repay $125,000. The cost of the money is $25,000.
At a factor rate of 1.45:
you repay $145,000. The cost of the money is $45,000.
The practical takeaway is that the gap between the bottom and the top of that published range is $35,000 on a single $100,000 deal. Which end you land on is driven by your time in business, your deposit consistency and your credit profile, and it is the single most valuable thing to negotiate. A business owner who knows the range exists can ask where in it they are being placed and why. A business owner who does not will simply be told a number.
Why a low factor rate can still break a business
Two limitations need stating, because a favourable factor rate is not the same as an affordable deal.
The first is term. A factor rate has no time dimension. A 1.25 repaid over twelve months and a 1.25 repaid over four months cost exactly the same in dollars but behave completely differently against your cash flow. Divide the purchased amount by the daily payment to get the number of business days, and then check that figure against reality.
The second is the debit itself. A $100,000 advance at 1.25 repaid over roughly six months means a daily payment in the region of $1,000 every business day, which is about $21,000 a month leaving the account before payroll, rent or stock. The question is never whether the factor rate is competitive. It is whether your slowest month of deposits can absorb that debit.
What the record does not give you is any protection against that arithmetic. A company can be accredited, A plus rated, honest about pricing and pleasant to deal with, and the advance can still be more than your business can carry.
The criticisms that do appear
Two themes recur in customer feedback, and neither rises to the level of a formal complaint pattern.
The first is that rates are high. That is a criticism of merchant cash advances as a product rather than of this broker, and the published range is at least honest about it.
The second is frequent cold calling. Applicants report persistent outbound contact. The same warning applies here as to any broker application: your details reach a network of funders, and that network will call you. If you take one advance and then begin receiving offers to top up from companies you never approached, that is the stacking cycle starting, and it is how most businesses that cannot service their advances got there.
Frequently asked questions
Is National Business Capital legitimate?
Yes. It holds an A plus rating with the Better Business Bureau, has been a BBB accredited business since 6/29/2012, and its BBB profile records 1 complaint in the last 3 years. No state or federal enforcement action against National Business Capital could be located.
Does National Business Capital lend its own money?
No. It is a marketplace that places applications with a network of lender partners and earns a commission from the lender when a deal closes. The agreement you sign, the debits from your account and any enforcement come from that lender.
What factor rate will I be offered?
The published range for merchant cash advance placements is 1.10 to 1.45. Where you land inside it is driven by time in business, deposit consistency and credit profile. On a $100,000 advance that range is the difference between repaying $110,000 and repaying $145,000, so it is worth asking directly where you are being placed and why.
Is a 1.10 factor rate a good deal?
It is a competitive rate for this product, but the factor rate alone does not tell you whether the deal is affordable. A factor rate has no time dimension. Divide the purchased amount by the daily payment to find how many business days the advance runs, then test that daily debit against your slowest month of deposits rather than your best.
Why do I keep getting calls after applying?
Applicants commonly report persistent outbound contact after submitting a broker application, because the application is placed with a network of funders. If those calls turn into offers to top up an advance you already have, that is the beginning of stacking, which is the most common route into unmanageable merchant cash advance debt.
If the payments are the problem
If an advance placed through a broker is now taking more out of your account each month than the business reliably generates, the broker is not the party who can fix it. What matters is the funder named on your agreement, the purchased amount still outstanding, and what your reconciliation clause actually entitles you to request. Working that out while payments are still clearing gives you far more room than waiting until they stop.
