National Funding serves the small business community. Since 1999, over 35,000 customers have partnered with National Funding for their working capital and equipment financing needs. National Funding has provided over $2 billion in working capital loans and equipment leasing with loan amounts ranging from $5,000 to $500,000. National funding has a 60% approval rating and typical APR ranges from 5.99% to 29.99% with early payoff discounts. National Funding is fast and easy to deal with and you can receive funding in as few as 24 hours if all documentation is received. There is no obligation when you apply for funding and you will not require collateral or a down payment. National Funding believes in small businesses.

National Funding Loans

  • Bridge loans up to $500,000
  • Short term loans up to $500,000
  • Working capital loan up to $500,000
  • Commercial business loans up to $500,000
  • Corporate loans up to $500,000
  • Bad credit loans up to $500,000

Small business Loan or Bridge Loan Requirements

Apply for the Business Loan or Bridge Loan

  • A minimum of one year in business
  • Gross revenues of $100,000 
  • Loans from $5,000 to $500,000
  • No collateral required
  • Easy, no-obligation application
  • Any credit score can request funding

Equipment Financing and Leasing

Apply for equipment financing or leasing

  • Up to $150,000 in equipment leasing
  • New or pre-owned equipment
  • Variety of payment options
  • *Exclusive Guaranteed Lowest Payment
  • FICO score of 620 required
  • In business for 6 months

*National Funding guarantees to provide the lowest payment on equipment leased through for lease terms from 24 to 60 months or to pay $1000 towards qualifying executed leases.

Terms and Conditions

Loan Amounts up to $500000
Required Credit Score Credit Score: 500 - 850 Offers loans to businesses with a poor credit rating

Equipment Leasing: minimum of 620

Minimum Annual Income $100000
Types of Income Annual Gross Sales of $150,000 or $12,500 per month
Variable Rate Option Not Available
APR Range Interest rates are higher due to simplicity of application process (poor credit score, 3 bank statements, proof of gross revenues)

Rates start as low as 15% and up to 30%

Loan Term

Business Loan - 2 - 5 years

Repayment Schedule Depends on Loan
Credit Inquiry Soft
Fees and Closing Costs Origination Fees: 1% - 5%
Secured Loans Unsecured - requires a personal guarantee
Co-Signer Not available
Direct Deposit Yes
Loan Purpose Small Business Loans & Equipment Leasing
Qualifications US Citizen, Business 1 yr or older, Gross Revenues of $100,000+
Allows Military Not Available
Insurance Not Available
Legal Documents Required US Citizen, Business Owner
Number of Offers Not Applicable
Customer Service Phone, email


Better Business Bureau A+ rating 

Trustpilot  based on 702 reviews 9.3/10

Contact information

(888) 733-2383

National Funding Inc

9820 Towne Centre Dr #200
San Diego, CA 92121

Terms & Conditions General Acceptance Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete. US Patriot Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. For Loan/Merchant Services: The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes. For Equipment Services: I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes. Text Messaging: By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.