# National Business Capital

> National Business Capital is a Hauppauge, New York-based direct lender and financing marketplace that helps established U.S. businesses compare and secure term loans, lines of credit, cash flow financing, subordinated debt and equipment financing. Founded in 2007 as banks tightened credit, it combines in-house funding of up to $15 million, access to more than 75 lending partners and a human advisor model. The pitch is speed and flexibility; the tradeoff is that alternative capital can cost more than a conventional bank loan, so borrowers need to compare APR, total repayment, payment cadence and collateral terms carefully.

- **Founded:** 2007
- **Headquarters:** Hauppauge, United States
- **Founders:** Joseph Camberato (Founder & CEO), James Webster (Co-founder)
- **Team size:** Approximately 160 employees in the supplied company record; public directories place the company in the 51-200 range.
- **Products:** Term loans, Business line of credit, Cash flow financing, Subordinated debt, Equipment financing
- **Notable:** More than $3 billion in business financing funded or arranged since 2007, according to the company., Expanded from a spare-bedroom operation to a company in the 51-200 employee range., Named an Inc. Power Partner in financial products and services in 2022.

## Products & services

- **Term loans** — Lump-sum business financing with fixed payments for expansion, inventory, refinancing and other uses.
- **Business line of credit** — Revolving capital that can be drawn as needed, with interest generally charged on the amount used.
- **Cash flow financing** — Funding from $250,000 to $15 million based primarily on business performance rather than asset coverage.
- **Subordinated debt** — Growth or transaction capital positioned behind an existing senior lender.
- **Equipment financing** — Financing for new or used business equipment, with the equipment commonly supporting the credit.
- **Lender marketplace and advisory** — One application, access to more than 75 capital partners and a dedicated advisor who helps compare structures.

## Achievements

- More than $3 billion in business financing funded or arranged since 2007, according to the company.
- Expanded from a spare-bedroom operation to a company in the 51-200 employee range.
- Named an Inc. Power Partner in financial products and services in 2022.
- Named the number-one Top Workplace on Long Island four consecutive years from 2019 through 2022; the company now cites a six- or seven-year Top Workplace streak depending on publication date.
- Moved into a larger Hauppauge headquarters with training, collaboration and fitness facilities in 2022.
- Reports more than 3,000 five-star customer reviews and more than 200,000 meals donated to Feeding America.

## Latest updates

- **2026-08** — Published a 2026 comparison of medical equipment financing providers and positioned its direct equipment financing for established practices.
- **2026-01** — Expanded its education around private credit, explaining how flexible non-bank capital fits alongside banks and SBA products.
- **2025-11** — Published its Best States to Start a Business in 2026 study through its data-driven research division.
- **2025-06** — Marketed its evolution into a direct private-credit lender alongside the established 75+ partner marketplace.
- **2022-11** — Received an inaugural Inc. Power Partner Award after reporting $2 billion financed through more than 25,000 transactions.

## Links

- Website: https://www.nationalbusinesscapital.com
- LinkedIn: https://www.linkedin.com/company/natbizcapital
- Twitter/X: https://twitter.com/NatBizCapital
- YouTube: https://www.youtube.com/channel/UCgXXKqv1zDrdXkM-go1fcwA
- Instagram: https://www.instagram.com/NatBizCapital
- Facebook: https://www.facebook.com/NatBizCapital

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Profile page: https://yespress.io/national-business-capital
Published by YesPress — https://yespress.io
Last updated: 2026-08-22