National Business Capital

National Business Capital We finance growing businesses,
with over $3 billion funded to date. We understand entrepreneurs because we were built by an entrepreneur.

National Business Capital helps entrepreneurs secure quick and fair financing to save time and cultivate sustainable growth. Our empathetic approach and company identity are based on the experiences and character of founder Joe Camberato. Joe started National Business Capital after realizing how challenging it is for business owners to access the funding they need to grow. With a strong vision, de

termination, and passionate leadership, he grew our firm from a small operation in his spare bedroom to one of the top workplaces on Long Island – all without one dollar of private equity. Our stress-free online platform is designed for simplicity and speed, helping business owners go from application to approval in a matter of hours. And while we remain a leader in the Fintech industry, our clients agree it’s our personalized service and award-winning team that sets us apart. From SBA loans to lines of credit, to equipment financing, and more, business owners can access all the different financing programs available to them in one place. Through our streamlined process, we have helped clients secure over $2 billion in financing since 2007, and, more importantly, we’ve helped entrepreneurs save a tremendous amount of time and grow faster. Work with us today so you can get back to what matters most – your business. Oh, and by the way, we donate 10 meals to Feeding America for every deal we fund!

05/22/2026

Most deals don’t fall apart because of strategy. They fall apart when capital changes late in the process.

Financing gets resized, approvals shift, or a gap shows up during diligence. That’s when transactions that looked solid start to stall.

We work with advisors to provide junior capital that supports the existing structure so deals can move forward without disruption.

Up to $15M, fully subordinated, no asset requirements, and deployed in days.

The goal is not to change the deal. It’s to protect it.

Do you have a partner who can step in when capital shifts late without slowing everything down?

Schedule a call with us: https://nationalbusinesscapital.pulse.ly/fpsin7bvqn

Michael Kildale, CMO at National Business Capital, has been named a recipient of the ABF Journal Legend and Leader Award...
05/21/2026

Michael Kildale, CMO at National Business Capital, has been named a recipient of the ABF Journal Legend and Leader Award in the Innovators category.

While the recognition is individual, it reflects the collective effort taking place across National.

This recognition highlights how we approach capital, support our partners, and execute in real market conditions.

Caldwell Contracting Corp. was entering its active season with multiple contracts starting at once.But spring work broug...
05/20/2026

Caldwell Contracting Corp. was entering its active season with multiple contracts starting at once.

But spring work brought new pressure. Payroll, materials, supplies, and transportation had to be covered upfront while collections followed milestone-based Net 60 to Net 90 timing.

We secured $500K in Cash Flow Financing through a reduced-documentation review so Caldwell could mobilize for the season and move on active contracts.

When credit tightens, capital should recognize the strength already built into the business.

→ Read the full story: https://nationalbusinesscapital.pulse.ly/rtnay7khly

Construction businesses often operate on complex timelines.Projects move in phases, costs hit before revenue comes in, a...
05/19/2026

Construction businesses often operate on complex timelines.

Projects move in phases, costs hit before revenue comes in, and cash flow gaps can slow down opportunities that should be moving forward.

That’s where the right financing structure matters.

From term loans to flexible capital solutions, construction financing is designed to help businesses manage upfront costs like materials, labor, and equipment while keeping projects on track and operations stable.

Our solutions involve aligning capital with how your business actually runs, so it supports growth rather than create pressure.

We break down how contractor business loans work, the options available, and how to qualify.

Read more: https://www.nationalbusinesscapital.com/blog/construction-financing-for-contractors/

05/18/2026

Getting funded isn't only about your credit score. Underwriting looks deeper at how your business actually operates. Cash flow, existing obligations, time in business. That's what shapes what you qualify for and what terms make sense.

Done right, none of it should feel like a black box.

Has the underwriting process ever caught you off guard? What happened?

Allied Home Health was expanding into three additional Texas cities, with annual revenue projected to grow from $8M to $...
05/15/2026

Allied Home Health was expanding into three additional Texas cities, with annual revenue projected to grow from $8M to $10M.

But expansion brought new pressure. Medicare reimbursement gaps, added operating complexity, and an existing lender payoff were limiting what the business could actually use.

We structured $1.5M in Cash Flow Financing so Allied could pay off the prior lender and still net the capital needed to move forward.

When growth is real, capital should be built around what a business can actually deploy.

→ Read the full story: https://nationalbusinesscapital.pulse.ly/d7htete1us

05/12/2026

Rates. Fees. Terms. Most lenders make you dig for this.

We just tell you.

Banks and even the SBA can charge fees as high as 8% just to close. Rates in today's market? Twelve to fifteen percent is not unusual. And nobody leads with that.

At National, we do.

Here's how it actually works.

Rates are tied to risk. How long your business has been running, your industry, your cash flow, your credit history. The stronger your profile, the better your rate.

Short term funding gets you the lowest rates available. Longer terms cost more as the repayment window stretches out.

We offer different financing options depending on what your business needs. Our FlexLine lets you repay as fast as you want with no penalty, so you save on interest that never accrues. Cash flow funding runs between one to three percent per month. Term loans up to 24 months typically qualify for one to two percent per month.

On fees, most fall between two to five percent of your loan amount. Origination, processing, closing. We break all of it down for you upfront.

No hidden fees. No surprises.

You should know exactly what you're walking into before you sign anything. That's just how we operate.

Pathfinder Manufacturing won a $1.7M contract while already mid-expansion. Delivering on it meant new machinery and a bi...
05/08/2026

Pathfinder Manufacturing won a $1.7M contract while already mid-expansion. Delivering on it meant new machinery and a bigger team before production could begin.

We structured $350K in Cash Flow Financing to make it happen.

When the track record is there, capital should move at the speed the opportunity requires.

→ Read the full story https://nationalbusinesscapital.pulse.ly/qbmqc48sum

05/05/2026

Scaling a construction business requires more than demand—it requires the right infrastructure behind it.

Brasfort aligned capital with their growth trajectory through a structured, multi-phase funding strategy.

Over time, that approach led to:
• $5M in capital strategically deployed
• A shift to owned equipment
• Monthly revenue doubling from $600K to $1.2M

Each phase of funding was tied to a clear operational objective, turning capital into a long-term growth driver.

This is what happens when capital is built into the business.

Check out the full story: https://nationalbusinesscapital.pulse.ly/h0akp8vwpo

The IFA Annual Conference kicks off tomorrow in Nashville.We’ll be there connecting with partners working through deals ...
05/05/2026

The IFA Annual Conference kicks off tomorrow in Nashville.

We’ll be there connecting with partners working through deals where senior lenders are fully tapped—and more capital is needed to move forward.

National Business Capital provides:

• Subordinated debt up to $15M
• Structured behind existing senior facilities
• Cash flow-based, non-dilutive capital

If you’re attending, stop by and let’s talk through what you’re seeing among your clients.

On-site:
Umberto DiStefano
Vincent Campbell

National Business Capital is heading to the IFA Annual Conference in Nashville, May 6–8.We’ll be connecting with capital...
04/29/2026

National Business Capital is heading to the IFA Annual Conference in Nashville, May 6–8.

We’ll be connecting with capital partners working on deals where senior lenders are fully stretched, and more capital is needed to move forward.

That’s where we come in.

We provide:

• Subordinated debt up to $15M
• Structured behind existing senior facilities
• Cash flow-based financing to support ex*****on

If you’ll be at IFA, come meet the team and let’s talk through what you’re seeing in the market.

Meet the team:
Umberto DiStefano, Director of Institutional Partnerships
Vincent Campbell, Director of Institutional Partnerships

Address

80 Arkay Drive Suite 215
Hauppauge, NY
11788

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