Small Business Loans

Small Business Loans

We make getting loans fast,
personalized and easy.

Ready To Move Your Business Forward?

  
-- select --
Better Business Bureau, A+
Small Business Loans

Small Business Loans

We make getting loans fast,
personalized and easy.

Ready To Move Your Business Forward?

  
-- select --
Better Business Bureau, A+
Trustpilot logo
Inc 5000 logo
BBB logo

Getting a Business Loan is Simple

National Funding provides small business financing solutions online. You can be approved and funded in as little as 24 hours. Receive up to $500,000 in funding to grow your business or cover expenses. Here’s how:

Step 1:

Minimum Requirements

6 Months in Business $250,000+ in Annual Sales Business Bank Account

Step 2:

Apply Online

Save time by avoiding extensive paperwork. Apply with our simple online form. You can be approved in as little as 24hrs.

Step 3:

Get a Solution

A Funding Specialist will contact you to discuss options. Secure funding up to $500,000 for your small business.

PreviousNext

Step 1:

Minimum Requirements

6 Months in Business $250,000+ in Annual Sales Business Bank Account

Step 2:

Apply Online

Save time by avoiding extensive paperwork. Apply with our simple online form. You can be approved in as little as 24hrs.

Step 3:

Get a Solution

A Funding Specialist will contact you to discuss options. Secure funding up to $500,000 for your small business.

Apply Now
6 months
in business
Fair to
Excellent Credit
Equipment quote
from a vendor
PreviousNext
6 months
in business
Fair to
Excellent Credit
Equipment quote
from a vendor
Bob's Home Heating and Cooling
Meet John Meier
Owner of Bob's Home Heating and Cooling
"With a hands-on, consultative approach to small business loans, National Funding helped secure the right amount of funding and made the process painless."

What Our Customers are Saying

2,047 Reviews on Trustpilot 4.7 / 5

Trustpilot logo
BBB logo
Inc 5000 logo

A Trusted Lender for Business Owners - the National Funding Difference

National Funding takes every opportunity to help strengthen small business owners. Since 1999, we’ve helped business owners nationwide with business funding solutions. Whatever your needs, whatever your budget, we’re here to help your business succeed.
National Funding team

Why a Small Business Loan Can Be a Smart Option

There’s more to a small business loan than meets the eye. More than a line on your credit report, it’s also a smart investment in your business’ future. The best business loans fuel growth for your business without any hassle, so you have financial flexibility for your daily operations. A loan helps you cover expenses that not only keep your business running but can help you grow and expand. Whether you need to hire more employees or a short-term cash infusion to cover taxes, National Funding can help you determine the right financing solution for your small business.

Cover Capital Expenditures icon

Cover Capital Expenditures

Update equipment, improve facilities and add critical growth elements so that your business can move forward.
Grow Your Business icon

Grow Your Business

Purchase inventory, support marketing efforts, open a new location or bring on new team members
Pay Bills icon

Pay Bills

Make sure bills, taxes, and vendors are paid on time so you’re not facing overdue notices
Keep Cash Available icon

Keep Cash Available

Maintain working capital reserves to cover planned growth or unexpected needs
Protect Personal Finances icon

Protect Personal Finances

Keep complications from personal loans out of your business
Maintain Independence icon

Maintain Independence

Avoid giving up control of your business to equity partners or other funding sources

FAQ: Small Business Loans

Securing a small business loan can be challenging to navigate if you don’t know the ropes. As a business owner, you’ve got better things to do than spend weeks learning the intricate details of lending. That’s where we can help. At National Funding, we know you’re busy, so we make it easy to understand your financing options. Get the answers you need now by looking through our most frequently asked questions about small business financing.

National Funding is an alternative lender, which means we work with you, the small business owner. Our process reduces the amount of time it takes to review your small business loan application. When you apply for a loan, our team reviews it instead of sending it to a third party. We’ll help you find the right financing for your business. If approved, we’ll get your funds to you fast.
You can apply online with just a few simple steps. We won’t make you fill out books of paperwork or mail in your application. You can even complete our online application right from your mobile phone. Apply for a loan from $5,000 all the way up to $500,000 with no collateral required.
With a traditional lender, the application process can take weeks. Then, if you are approved, you’ll probably wait another several weeks for your loan funds to come through. On the other hand, alternative lenders like National Funding make it easy to apply and get your loan decision fast. We pride ourselves on giving you a quick decision on your application. If approved, you could have your loan funds in as few as 24 hours1.
Small business loans from National Funding don’t require collateral or a down payment to get the funds your business needs. Apply today and we’ll help you find a customized financing solution that’s tailored to your business with no down payment and no collateral needed.
BBB Logo
National Funding Logo

Speak to a Funding Specialist

855.888.4425

© 2025 National Funding
Terms & ConditionsPrivacy PolicyDisclosures

Products offered by National Funding Inc. and affiliates are business products only. The products may be provided by third parties and subject to lender approval. In California, products made or arranged pursuant to a California Financing Law License. License #: 603A169

  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. Early payment discount amounts and details will be provided prior to acceptance of terms and funding. 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: Business product payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
  4. Wide variety of payment options:
  5. Equipment Financing: payments are remitted monthly with terms of 2-5 years
  6. Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
  7. 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 $1,080,000. Consult your tax professional for more details.
  8. 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 $1,000 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 $1,000 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.
  9. No impact on credit score: Your credit score helps us determine your eligibility for funding as well as your financing terms. Exploring your financing options with us does not impact your credit score. If you apply with us and we are unable to offer financing to you, we may try to match you with one of our partners to obtain financing. They may perform a hard credit pull to determine your eligibility for financing.
  10. Terms and Conditions apply: This is not a guaranteed offer of credit. Rates and terms for business credit products are subject to underwriting guidelines, may be provided by third parties, and are subject to lender approval. Approved funding amount is based on eligibility. 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 business bank account balances, personal credit and other variables deemed relevant by the lender