Working Capital Loans for Philadelphia, Pennsylvania Businesses

Meeting Working Capital Needs in the City That Loves You Back

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A Working Capital Loan Gives Philly Businesses Security, Flexibility and the Funding to Grow

More than 700,000 people work in the Philadelphia area, in industries ranging from manufacturing and food service to healthcare and finance.* The diverse nature of businesses throughout the city helps drive economic progress. Plenty of these workers own or are employed by small businesses, which are a vital part of the city’s economic fabric.

Of course, growing as a small business can be difficult in such a diverse and entrenched economic atmosphere.  A working capital loan gives businesses security, flexibility and the funding to grow.  Philadelphia small businesses can fund their plans for improvement, development, and diversification with a working capital loan from National Funding.

National Funding is ready to offer flexible and effective Philadelphia working capital loans that business owners can utilize for nearly any purpose related to operations, growth and many other common needs. With National Funding, you have a partner that understands your position as a small business.

*Source: Philadelphia Works, Inc.

Working Capital Loans in Philadelphia, Pennsylvania

"More than 700,000 people work in the Philadelphia area, in industries ranging from manufacturing and food service to healthcare and finance.”

Getting the Most Out of a Working Capital Loan

Working capital loans give businesses the power to tackle planned projects and unexpected expenses. When your Philadelphia-based small business qualifies for a working capital loan from National Funding, you can put the money to work as you see fit. Consider these common examples:


Get the word out about your business.


Open a new location or investing in top-of-the-line equipment.


Make sure supply and demand meet.


Bring on more staff to grow comfortably.

An Approach Geared Toward Small Businesses

A working capital loan needs to be a quick process, from starting the application to receiving a decision and the funding itself. National Funding recognizes this need for short timelines and offers fast responses and actions that benefit your business. Additionally, we’ve funded more than $1.5 billion in assistance for small businesses since we started in 1999. That means we’re not just fast, we’re experienced and confident in our ability to help your small business.

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 Straightforward Application Process

National Funding offers Philadelphia small businesses an opportunity to grow as they see fit, putting working capital toward a variety of projects and obligations. We make the application process easy as well, with a focus on gathering the information we need without taking you away from your business.

What does our application process look like?

  • A short, targeted application that focuses only on the most relevant information.
  • Practical, direct lending standards developed with small businesses in mind.
  • Quick approval decisions and delivery of funds. If approved7, you could get your money in days1, not weeks or months.

Fast & Easy

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

How Can Your Philadelphia Business Get a Working Capital Loan?

National Funding recognizes the many duties and time constraints that small business owners deal with on a daily basis. Our one-page online application and the speed of our approval process - with decisions rendered in as little as 24 hours1 - address those concerns. What do you need to have on hand to apply?

  1. Minimal paperwork - you only fill out a single page of questions and requests for information.
  2. Three months' of bank statements.

That’s all! Ready to find out more? Get Started


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

More Working Capital Helps Your Business

A working capital loan can mean something different for each Philadelphia small business. Whether you’re targeting tourists near historical sites as part of an enhanced marketing campaign or bringing in more raw material to your South Philadelphia production site to fill an exceptionally large order, working capital helps you reach your goals. When you pair an effective source of working capital with a partner who understands small businesses, you set yourself up for success.


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

National Funding is Ready to Help Small Businesses Throughout Philly

Working with National Funding means you receive the working capital your business needs quickly and efficiently. With nearly two decades of experience working specifically with small businesses, we understand how to build fruitful, beneficial partnerships. Just fill out our streamlined application to kick-off the process.

We’re ready to partner with you. Complete 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.