In The News


10 29 2014

10 29 2014

Unique Marketing Attracts Loans for National Funding

David Gilbert, CEO and founder of San Diego-based National Funding, is not your typical commercial finance company owner and so it stands to reason that his company does not search for clients in a typical manner. His pitch is almost a collaborative appeal to business owners: “head’s up, it’s the end of year – you’re going to need some capital.”

Gilbert started National Funding after a short stint at Balboa Capital. He soon hung out his own shingle, and until the financial crisis, did well arranging equipment leases. But as the economy tightened, National Funding expanded by offering working capital financing, taking advantage of the commercial bank retreat just when business owners were in dire need of funding.

This year, National Funding started counting down the days to ‘Small Business Saturday,’ a national promotion by American Express® to encourage consumer support of neighborhood small businesses. Riding on that coattail, Gilbert reminds business owners what the busiest season of the year means to their operations: additional hiring, equipment needs, more inventory and lots of holiday advertising.

Of course, all the of these activities require working capital and National Funding is positioned to provide it.

This marketing campaign seems more impactful than another deal tombstone or off-the-shelf pitch about ‘neighbor banking.’ It cuts to the needs of the business owner, who’s still sorting out how many people to recruit, what sales volume to prepare for, and choosing the right inventory mix.

What kind of season does Gilbert expect? “The consumer sales cycle seems to move up annually and starts earlier each year. Demand for goods actually started picking up in mid-October, and as a result, we were fairly busy in September,” said Gilbert.

Small companies have to go to market early for discounts and to ensure they get the merchandise they want. “The capital food chain is much tighter than it used to be–manufacturers seem to base production on hard orders, rather than trusting that whatever they produce will sell–their credit lines are smaller now. At the same time, retailers are fighting for profits against online resellers,” he continued.

Another clever marketing pitch employed by National Funding uses their own clients. In a lending sector not exactly known to be admired by their customers, National Funding touts more than a dozen positive reviews from actual borrowing clients.

Who would know better?

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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.