Working Capital Loans for Raleigh-Durham Businesses

Giving Small Businesses in the Triangle Effective Funding Options

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Working Capital Loans Give Flexible Funds to Raleigh-Durham Businesses

Small businesses frequently want to grow, expand, diversify and improve. In a competitive economic environment like the Triangle, such development can be difficult. Almost 98 percent of all companies in North Carolina are small businesses, meaning there’s plenty of competition.*   National Funding is ready to help Raleigh-Durham small businesses get the money they need.

Working capital loans are especially effective in this kind of economy: They provide a quick infusion of funds that small business owners can put toward nearly any expense. When your enterprise partners with National Funding, you choose a proven provider of small business loans.  Give your business the support it needs with a working capital loan from National Funding.

*Source: NC Commerce Economic Reports

“Almost 98% of all companies in North Carolina are small businesses.”

How Your Working Capital Loan Helps Your Business

Working capital can do everything from address unexpected financial emergencies to support long-term plans. Consider these examples:


Open another storefront or production facility.


Increase merchandise or raw materials on hand.


Reach out to your customers and attract them to your business.


Give your staff the skills they need to be more effective workers.

A Partner Who Understands Your Working Capital Needs

National Funding doesn’t just offer working capital loans to small businesses, we specialize in them. That means we’ve developed processes with smaller organizations in mind, and our staff understands the unique and demanding nature of running such an enterprise. We know how difficult it is to take time out of an already busy day and seek out options for working capital loans. That’s why we’ve developed straightforward, effective processes for applying for a working capital loan and receiving the funds quickly.

When you choose National Funding, you choose a partner that knows small businesses.

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 Fast, Effective Application Process

Long, drawn-out applications take you away from your business and make it harder to manage crucial, day-to-day operations. Our approach means you only provide the business information we absolutely need to make a lending decision. This practical process means you get back to your business quickly and we start our partnership off on the right foot.

What does our application workflow look like?

  • A simple, focused application that doesn’t request extraneous details or hard-to-find information.
  • Practical lending standards that take the realities of operating a small business into account.
  • Quick delivery of funds, which means your business can address any issues or opportunities ASAP.

Fast & Easy

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

How to get a Working Capital Small Business Loan in Raleigh-Durham

Our quick online application process means fast decisions and provision of funds. Here’s what we need from you to get started:

  1. Just a simple, one-page application
  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.

Using a Working Capital Loan to Boost Your Business

To act on opportunities and address financial issues before they cause any additional worry, it’s vital to have a steady flow of working capital. You can address nearly any legitimate business expense with a working capital loan from National Funding, whether it’s paying a bill for unexpected repairs or funding a marketing campaign to attract more customers.

Working capital can help your business get the equipment needed to secure a major contract or to hire more staff before the busiest time of the year for your company. The options are nearly endless, and National Funding makes sure your loan terms and options align with your needs as a business.


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

National Funding Helps Small Businesses Throughout the Triangle

National Funding knows small businesses inside and out. After all, we’ve helped them secure working capital loans for close to 20 years. With that kind of institutional experience, we’re confident in our ability to, and our track record of, helping small organizations prosper. If your small business needs an influx of capital, choose a provider that understands what you need to succeed.

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.