A Conversation with Joseph Camberato, Founder and CEO of National Business Capital

We caught up with Joseph Camberato, Founder and CEO of National Business Capital, to talk about how established businesses can make smarter capital decisions when a growth opportunity is right in front of them. National Business Capital is the leading advisor-led funding partner for established businesses seeking $250K or more in growth capital. With more than 18 years in the industry and over $3 billion funded, Joseph has built the company around one core idea: the right structure matters as much as the capital itself.

At BAMS, we work with business owners every day who are processing payments, managing cash flow, and watching for the right moment to scale. We wanted to hear how Joseph thinks about helping those businesses take that next step.

Q: When business owners come to you looking for capital, what do you notice most about how they’re thinking about it?

Joseph: Most of the time, they come in with a product in mind instead of a goal. They decide they need a loan, so they go find one. But that skips the most important question, which is: what does this capital actually need to do? A Term Loan, a Line of Credit, Cash Flow Financing, they each serve different purposes. The best structure depends on what you’re trying to accomplish, how fast you need to move, and what your cash flow looks like. When people skip that step, they can end up with funding that solves one problem and quietly creates another.

Q: A lot of the businesses we work with at BAMS are running solid operations. Good volume, steady revenue. What usually pushes a business like that to start looking for outside capital?

Joseph: Almost always, it’s a timing problem. The company is doing well, but an opportunity shows up that requires cash to move on before the revenue catches up. A new contract, a second location, a bulk inventory order. The costs hit before the money comes in. And because our funding is secured by cash flow rather than hard assets, that kind of established, revenue-generating business is often in a much stronger position than they realize. They’ve already built what matters most. They just need someone to help them structure it correctly.

Q: You’ve been doing this for 18 years and funded over $3 billion. What does the advisor-led model actually mean from the business owner’s perspective?

Joseph: It means someone is actually working through the decision with you, not just processing an application. Our advisors look at the full picture: what the business is trying to accomplish, the timeline, the use of funds, the cash flow. From there, they help narrow down which structure actually fits the situation. Sometimes a client asks for a Term Loan and a Line of Credit is the better call. A good advisor tells them that, even when it’s not the easier conversation to have. Our whole model is built on the idea that we succeed when the business succeeds. That keeps the advice honest.

Q: What’s one thing a business owner should have ready before they even reach out about funding?

Joseph: Know what the capital needs to accomplish, and be specific. Not “I want to grow,” but how, and when. Are you taking on a new contract? Opening a second location? Bridging a gap while you wait on receivables? The more specific you can be about the use of funds and the timeline, the faster an advisor can match you with a structure that actually fits. That’s the conversation that moves quickly and ends with the right outcome.

National Business Capital is the leading advisor-led funding partner for established businesses seeking $250K or more in growth capital. With more than 18 years in business, over $3 billion in funding, and 3,000 five-star reviews, the company helps business owners evaluate their options, understand the trade-offs, and access a funding structure aligned with their specific goals and timeline.