Joe Camberato

06/09/2026

What great a day at the course for our annual golf and dine!

Big Thank You to all of our partners! Always great spending time in person!

Lets have a strong 2nd half of the year!

06/04/2026

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/ea1x1dfflh

06/03/2026

If you’re an advisor, you’ve probably seen deals where everything makes sense, but the capital stack doesn’t fully come together.

That gap is usually what determines whether the deal closes or stalls.

We work with M&A advisors, private equity firms, and investment bankers to provide the capital needed to complete the structure without disrupting it.

We’ve deployed over $3B and funded up to $15M, working alongside existing lenders instead of replacing them.

In most cases, the deal doesn’t need to be reworked. It just needs the right layer of capital.

Do you have a deal that’s ready to move, but it's missing the capital to get there?

Don't let that gap delay the outcome.

06/01/2026

$400K funded fast!

Business doesn't wait...

The SBA process was taking too long and Allied Home Health needed to keep their business moving forward. We were able to provide the bridge needed to keep things moving while they waited for the SBA acquisition funding to close. Win Win.

Check out the full story here: https://www.nationalbusinesscapital.com/client-stories/expansion-underway-capital-structured/

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

05/29/2026

This is where deals get at risk.

Everything looks solid, and then something changes late in the process. Senior debt reaches its limit, timelines tighten, or a gap appears that puts weeks of work at risk.

That’s when partners bring us in.

We provide flexible capital that works alongside the existing structure so the deal can move forward without disruption.

Up to $15M. No covenants. No dilution. No restructuring.

The deal closes, and the structure stays intact.

Do you have a partner who can step in when things change late without slowing the deal down?

Schedule a call with us: https://nationalbusinesscapital.pulse.ly/4nyslo0d5i

05/26/2026

The economy isn’t good or bad right now.

It’s both.

That’s what a K-shaped economy looks like.

Some businesses are thriving. Others are getting hit. And they’re right next to each other.

That’s what makes this confusing.

Because most people haven’t seen this before.

In most markets, everyone moves in the same direction. Not this time.

And that’s where people get stuck.

They start reacting to what’s happening around them.

Someone in their industry takes a hit

And they slow down too

But that’s not the signal.

The signal is to focus.

Your business

Your numbers

What’s actually working

That’s what matters.

Are you making decisions based on your own data, or reacting to the noise around you?

05/22/2026

Saks had everything.

Brand.

Capital.

Experienced operators.

And they still filed for bankruptcy.

Why?

Because they tried to fix infrastructure problems with more revenue.

They acquired Neiman Marcus thinking more sales would solve it.

It didn’t.

Because the issue wasn’t revenue.

It was systems.

Processes.

Infrastructure.

And more sales into a broken system doesn’t fix it.

It makes it worse.

We see this all the time.

Businesses push harder on growth instead of fixing what’s underneath.

More leads

More sales

More complexity

And the problems compound.

At some point, it breaks.

The move isn’t always to grow faster.

Sometimes it’s to stop and fix what’s not working.

Are you building on a strong foundation, or scaling problems that haven’t been fixed?

05/22/2026

“Saks Fifth Avenue has been around for over a century, with experienced operators, significant equity backing, and one of the most recognized names in retail.”

And they still filed for bankruptcy.

What happened wasn’t a lack of revenue.

It was a mismatch between opportunity and infrastructure.

The assumption was that acquiring Neiman Marcus and increasing top-line revenue would solve the problem. But when underlying issues around systems, processes, and operational discipline have been building over time, more revenue doesn’t fix them.

It amplifies them.

This is something we see across businesses in different stages of growth.

There’s an opportunity in front of them, but the foundation isn’t built to support it. Instead of stepping back to address what’s broken, they push harder on growth.

More sales. More volume. More complexity.

And the underlying issues compound.

At a certain point, the structure can’t hold.

The answer isn’t always more leads or more revenue.

It’s taking a step back, identifying where the breakdown is happening, and fixing the infrastructure that supports the business.

Because growth on a clean foundation compounds.

Growth on a broken one doesn’t.

So the question is: is your business built to support the growth you’re pursuing, or are you scaling problems that haven’t been addressed?

05/21/2026

Right now, capital is more expensive than it was five or six years ago. That’s just the reality of the market.

What I see is a lot of businesses getting stuck on that. They focus on the rate instead of asking whether the capital actually works for them.

We go through this with operators all the time. We look at how the capital is used, how quickly it turns, and what the return looks like after cost.

Sometimes it makes sense. Sometimes it doesn’t. But a lot of businesses never get that far because they’re still waiting for cheaper capital that isn’t coming back.

At this point, the decision is simple.

Does the math work?

Are you evaluating opportunities based on ROI, or waiting for better rates?

05/16/2026

Depreciation is back. And this time it's actually worth paying attention to.

You can now write off 100% of most equipment purchases in the year you buy them. Not over five years. Not over seven. The year you buy it. We're talking up to $4 million.

That's three to four times what the limit was before.

What kills me is how many business owners have no idea this exists. And a lot of accountants aren't bringing it up with their clients either.

But here's the piece most people miss: you don't have to lay out the cash. Finance the equipment, keep your cash flow where it is, and you still get the full depreciation deduction for that year. You get the asset, you protect your liquidity, and you offset a tax bill that was going to hurt anyway.

That's not a loophole. That's just knowing how the rules work.

If you haven't had this conversation with your accountant yet, have it. And if you want to understand how financing plays into it, reach out to my team.