Small Business Loans for Philadelphia, Pennsylvania

Loans for Small Businesses Throughout the City of Brotherly Love

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The Loan Your Philadelphia Small Business Deserves

Philadelphia is packed full of small businesses just like yours, meaning a dynamic and vibrant economy that can also create challenging barriers for entry and growth. Moreover, for the first time in 25 years Philadelphia has a faster annual rate of job growth than New York City.* That kind of development means plenty of opportunities and obstacles when small businesses vie for business success.

National Funding is ready to help your business secure the funding it needs, no matter if it’s an investment in technology or securing additional space to expand operations. We’re focused on the success of small companies, which means we know how to craft effective and useful Philadelphia small business loans.

*Source: The Inquirer | Daily News

Small Business Loans in Philadelphia, Pennsylvania

“Philadelphia has a faster annual rate of job growth than New York City five boroughs.”

Using a Loan to Boost Your Small Business' Potential

A small business loan can address nearly any business expense that arises, including but not limited to:


Boost your employee base to deal with the busiest times of the year.


Replace outmoded equipment with state-of-the-art technology.


Open a second location, whether a storefront or production line.


Invest in a targeted marketing campaign to attract more business.

National Funding Knows Philadelphia Small Businesses

Finding the right lending partner is often a difficult and time-consuming task for small businesses. The last thing you want to do as a small business owner is take time away from managing operations and making critical decisions. National Funding is here to offer clear timelines, requirements, and processes for loans, as well as a proven track record for effectively assisting small businesses.

Our experience funding loans across Philadelphia for a wide variety of small businesses means we understand the local economy. Let our focus on small businesses and close to two decades of proven history funding them work for you with a small business loan.

Small Business Funding in Philadelphia, PA

Small Business Loans

When others say no .... National Funding says Yes!

National Funding is a top nationwide lender and convenient resource for business loans. We offer the flexibility to create small business loans with terms that meet your specific needs as a borrower. Our high approval rates mean that we can say ‘yes’ when other lenders say no. You’ll get a dedicated Loan Specialist who has specific knowledge about your industry and will provide you one-on-one personalized service.

There is no obligation to get started, and no need for collateral or a down payment. Receive a quick decision and get funding in as little as 24 hours.1

  • Loans from $5,000 to $500,000

  • No collateral required

  • Easy, no cost, no obligation application

  • Automatic payments

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Ratings & Reviews

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

A Loan Process Developed for Small Business Owners

While many small businesses are new, growing or looking to expand, they aren’t all cut from the same cloth. National Funding knows the right loan for one small organization may not work well for another. That’s why we develop loans on an individual basis, making sure the terms suit your needs.

Our fast and effective application and lending processes help small businesses, too. With National Funding, you don’t wait many weeks or months to receive a decision or your funding - both can arrive in just a matter of days.1

What makes our process so simple?

  • Applying is a breeze! You fill out a one-page application that doesn’t call for hours of work or digging for years-old information.
  • We developed our lending standards with small businesses in mind.
  • Once approved, your money is on its way in as short as the following day.1

Fast & Easy

Click or call and receive a quick decision and funding in as few as 24 hours.1

How To Get a Small Business Loan in Philadelphia

What information do you have to share to complete National Funding’s small business loan application? We ask for only the most relevant information which limits the work on your end - and that’s a relief for many busy small business owners. What do you need to do to apply? It’s simple:

  1. Fill out the one-page application.
  2. Share three months' of bank statements.


Our financing solutions and variable payment options are tailored to your specific needs.

What a Small Business Loan Can Do for You

Philadelphia is full of small businesses of all types. No matter what industry your business operates in or the type of work it does on a daily basis, you can put your loan toward nearly any business need or expense.

Want to invest in IT infrastructure, install new equipment, market your business or pay off an unexpectedly large tax bill or other expense? National Funding is here to give your business the money it needs. And our loans are tailored to individual businesses, meaning you get funding in line with your business needs.


Since 1999, we've funded over $2 billion in capital for over 35,000 businesses nationwide.

National Funding Makes Your Small Business Our Business

National Funding has focused on assisting small businesses since 1999. Our speedy application process, quick delivery of funds, customized loan options and unparalleled level of support are all designed with businesses just like yours in mind.

National Funding is ready to help you succeed. Get started by completing our quick online application and work with a knowledgeable loan specialist today!


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.