Small Business Loans

Funding a small business is a big deal.

We make getting loans fast,
personalized and easy.


Ready To Move Your Business Forward?

Fields marked with an * are required

The estimated sales your business generated in the last 12 months.

What's This?

Click your estimated annual gross sales

By continuing I agree to all terms and conditions

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.

Why a Small Business Loan is Perfect for You

The best small business loans fuel growth for your business without any hassle, so you have financial flexibility for your daily operations.
Getting a small business loan helps you cover expenses that not only keep your business running but can help you grow and expand.

Cover Capital Expenditures

Update equipment, improve facilities
and add critical growth elements

Pay Bills

Make sure bills, taxes, and vendors are
paid on time

Protect Personal Finances

Keep complications of personal loans
out of your business

Grow Your Business

Purchase inventory, support marketing
expenses, cover overhead, and more

Keep Cash Available

Maintain working capital reserves to cover
planned growth or unexpected needs

Maintain Independence

Avoid sharing control with equity partners
or other funding sources

  • Helped 40,000+

  • $2+ billion
    Funded to Businesses

  • 9.4 / 10 Customer Rating
    on Trustpilot

How to Apply

Securing funding with small business loans from National Funding is easy. To apply for small business loan funds,
simply fill out our quick and easy online application. One of our friendly loan specialists will contact you to learn more about your business.
Your loan specialist can help you decide which small business loans are a good fit for your business and circumstances. Once you apply for small business loan financing, you'll receive an answer in as little as 24 hours.

How to Apply

How to Apply

How Do Small Business Loans Work

We provide custom solutions based on your needs. 
So you can focus on what you do best. Running your business.

We Support Growing Businesses, Just Like Yours

  • Commercial Truck Loans

    Commercial Truck Loans

    Commercial Truck Loans

    Lease or purchase the vehicles you need to keep your business on the road.

  • Farm Equipment Loans

    Farm Equipment Loans

    Farm Equipment Loans

    Keep your business rolling with the funds to acquire necessary equipment for your farm

  • Retail Business Loans

    Retail Business Loans

    Retail Business Loans

    Purchase inventory, support marketing expenses, cover flexible staffing needs, and more.

  • Construction Business Loans

    Construction Business Loans

    Construction Business Loans

    Make sure your building materials, equipment and people are always available.

  • Bakery Equipment Loans

    Bakery Equipment Loans

    Bakery Equipment Loans

    Purchase or lease the ovens and other equipment that keep your business cooking.

  • Agriculture Loans

    Agriculture Loans

    Agriculture Loans

    Help your business grow with funds for equipment, transportation and overhead.

Why National Funding?

You’ll enjoy a friendly, customized approach that makes obtaining small business loans simple and stress-free.
We've created a streamlined process for you to apply for small business loan funds.

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $2 billion in funding to more than
40,000 businesses nationwide

Personalized Experience

Personalized Experience

Lending solutions and payment options
tailored to your specific needs

The Right Loan for You

The Right Loan for You

A range from $5,000 to $500,000
for properly scaled funding

Wherever You Are

Small business loans provided to companies
in every corner of the country

Fast and Easy Application Process

Fast and Easy Application Process

No-cost, no-obligation application with
funding in as few as 24 hours

Loan Specialists Who Care

Loan Specialists Who Care

Experienced Loan Specialists help you
make the right decision

We Know Your Industry

We Know Your Industry

Experience supporting small business
owners in virtually every category

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple,
automatic payments

National Funding Customers:
In Their Own Words

Hear from a few of our successful business owners about how easy it is
to get small business loans and how the funds went to work for them.

Joann Johnson

Joann Johnson, Owner/COO

JoChas Moving & Delivery

When a family of former NFL players wanted to move its business to the big leagues, they wanted a funding partner that provided a caring, personalized approach to small business loans. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

Ron Beatty

Ron Beatty, Owner

Beatty Lawn & Tree Service

Knowing how hard it had been trying to secure small business loans in the past, this family-owned business sought out National Funding thanks to its reputation for accessible, hassle-free loans. Being able to purchase new, reliable equipment was a critical component for this growth business, and National Funding helped them make it happen.

John Meier, Owner

Bob’s Home Heating & Cooling

It was time for "Bob" to retire, which meant opportunity for John. As he looked to buy the business, he needed to make sure capital was in place to support the extremely seasonal Minnesota-based business. With a hands-on, consultative approach to small business loans, National Funding helped secure the right amount of funding and made the process "painless."

Craig Hart

Craig Hart, President

Smyth Electrical Services

As the business entered a period of expansion, having the reliability of available cash was critical to alleviating the stresses that growth can cause. Being able to rely on National Funding's small business loans was the peace of mind that helped the head of this small business rest easy.

Jon Tanner

Jon Tanner, Executive VP

SWZ Insurance

This Texas-based company launched a unique strategy to add legal services to its existing insurance business for large commercial clients. And that meant a whole new set of marketing requirements to foster growth. With a non-traditional business model, they needed a lending partner that could really understand their business and provide the needed flexibility.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot