Funding For Your Business When You Need It Most

National Funding Card National Funding Card

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National Funding Card National Funding Card

Have Your National Funding Card? Get Started.


The National Funding Advantage

No-Risk Application

There’s no risk to apply
and no impact to
your credit score.

Fast, Easy Process

Simple application process
allows for a loan decision
and funding in as little
as 24 hours1.

Personalized Service

Your loan specialist will help
you secure a small business
lending solution that is
customized for you and
your business.

Small Business Lending Solutions Tailored to Your Specific Needs

At National Funding, you’ll receive personal service and customized options to help you
reach your business goals. Learn more about our small business lending solutions,
including small business loans and equipment financing.

Small Business Loans

Small Business Loans

$5,000 to $500,000

Secure working capital
for inventory, payroll, marketing,
taxes and more.

Learn More

Equipment Financing and Leasing

Equipment Financing
and Leasing

Up to $150,000

Business lending options to purchase
or lease new or used equipment.

Learn More

Finance new or used equipment before December 31st to use Section 179 for a 100% tax deduction. Learn More.

A Personalized Approach to the Funding You Need

With National Funding, you get a dedicated loan specialist who knows the ins and outs of small businesses. More importantly, your loan specialist will take care in getting to know more about you and your business in order to guide you to the best small business lending options available to you.

Allan Laguatan
National Funding Loan Specialist

Loan Specialist

“Small business owners should surround themselves with people who are interested in their success. Our Loan Specialist took the time to find out what we were looking for instead of pushing what he had to offer. It felt like a partnership instead of a sales pitch.”

Cheryl Dailey
Master Handyman, LLC

Handywoman Cheryl

Disclosures

Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.

 

(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.

 

(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.

 

(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.

 

(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months

 

(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.

 

(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.

 

(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.

 

We Make it Easy to Apply for Small Business Lending

Don’t let the daunting task of going to a lender and filling out a pile of forms keep you from getting the financing you need. Our online small business lending application is fast and simple. Once you hit “submit,” one of our loan specialists will contact you to help tailor your business lending solution. You’ll get a decision in as little as 24 hours1, so you can get back to running your business. Apply now to get started.

Laptop and smart phone showing the simple application process for National Funding Business Loans

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Ratings & Reviews

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