Small Business Loans for Raleigh-Durham, NC Businesses

Loans to Help Small Businesses in the Triangle

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Loans Developed With Small Business Owners in Mind

Raleigh-Durham has an economy that’s both powerful and diverse. From cosmetics and pharmaceuticals to finance, technology and healthcare, a wide range of business types are represented.

There are plenty of smaller businesses of all types, too. In fact, Raleigh-Durham residents are 81 percent more likely than the average American to own a small business.* With such an entrepreneurial spirit in the area, there are plenty of opportunities to grow and diversify - businesses just need some extra capital.

Moreover, the Research Triangle is one of the most vibrant economies in the region, meaning small businesses must effectively manage opportunities, competition, and challenges to succeed.

That’s where National Funding comes in.  Learn how to access the power of a small business loan from National Funding.

*Sources: Nielsen Local

"Raleigh-Durham residents are 81 percent more likely than the average American to own a small business.”

A Small Business Loan Means More Options for Your North Carolina Business

You have plenty of options when it comes to using your small business loans - you can put the money toward nearly any business expense! Consider just a few of the many options:


Bring on more employees to better manage the busiest times of the year.


Give your business the digital infrastructure it needs to work quickly and efficiently.


Stock up on your most popular items to boost sales.


Raise awareness of your business through the most effective medium.

National Funding is Dedicated to Working With Small Businesses in Raleigh-Durham

Choosing an effective lender can be especially difficult for small business owners. Finding the right partner could mean hours or days spent away from managing your business and striving for success. National Funding is here to work with your company throughout the Raleigh-Durham region.

With close to two decades of experience funding small businesses, we know how to craft loans that meet the needs of all kinds of small organizations. When you work with National Funding, you pick a partner that offers support and experience to help your business strive for success.

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 Tailored for the Small Business Owner

National Funding recognizes that no two small businesses, nor their lending needs, are the same. Whether your company wants to stabilize, grow or diversify operations, your approach will be different than another business owner’s.

We’ve developed flexible small business lending options to help you choose the loan that’s the best fit for your needs. We also offer short timelines that keep your focus on running your business instead of a detailed loan application.

What does this approach to small business lending, bolstered by plenty of experience, mean for you?

  • The application process is quick and easy!  No demanding documentation requirements or invasive questionnaires.
  • Receive your money just three to five days after approval, meaning it quickly goes to work for your business.
  • Practical lending standards that take the needs of small businesses into account.

Fast & Easy

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

How Do You Get a Small Business Loan in Raleigh-Durham?

Completing a loan application is a simple process when you work with National Funding. Here’s everything you need to get started:

  1. Minimal paperwork - just a one-page application.
  2. Three months' of bank statements.

That's it! Ready to get started?


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

How Can Your Raleigh-Durham Small Business Benefit From a Loan?

A small business loan means flexible funding to use as you see fit for your business. There are nearly endless options, from opening a second storefront to widening your line of products.

Whether you want to make sure staff can quickly participate in cutting-edge industry training, purchase new equipment for the production floor or increase your orders of raw materials, National Funding is here to help. Make your business goals a reality with the extra inflow of cash a small business loan provides.


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

Why Should You Choose National Funding?

National Funding has focused exclusively on helping small businesses grow since 1999. That means our operations, staff and offerings are all in tune with the needs of small businesses. Our fast loan processes and variable terms mean your business gets the loan it needs.

We’re excited to help small businesses throughout the Raleigh-Durham area with effective lending options. Get started by completing our quick online application to 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.