Helping Businesses Grow with Business Loans in San Diego
San Diego isn’t just a city of beaches and beautiful weather. The city has a powerful economy that’s fueled by businesses working in fields as diverse as biotechnology, tourism, manufacturing and defense. More than two-thirds of businesses in the city have 10 or fewer employees, meaning the city’s economic foundation is built on small businesses. With such economic diversity, it’s no surprise that some businesses need a little assistance to truly prosper. Small business loans for San Diego business owners can help you meet your goals and take the next step in growing your business.
“More than two-thirds of businesses in the city have 10 or fewer employees.”
Equipment Financing and Small Business Funding in San Diego
Whether you need new equipment for your construction company or a business loan to cover inventory purchases, financing with small business loans in San Diego can help you reach your goals.
Financing and Support Solutions for Every Business
As a business owner, you may not have time to learn everything about small business financing. After all, you've got a business to run. National Funding provides the support and assistance you need to understand your financing options, the types of loans available to you and the business loan rates in San Diego.
Working Capital Loans Fuel Your San Diego Business
We've Got a Financing Solution That's Right for Your Business
Fill out our quick online application today to get connected with a dedicated Loan Specialist who can help you find the perfect financing solution. Our team is ready to help you, even if you need a specialized solution like bad credit business loans in San Diego.
No waiting, no delays.
Get approved within 24 hours.1
Do You Qualify 1
1 Year in Business
$150,000 in Annual Gross Sales
3 Months' Bank Statements
Get a Solution
Review financing options with your dedicated National Funding loan specialist.
Learn how easy it is to work with us, and how hard we work for you.
The money you need is deposited in your checking account — quickly and easily.
What can we do for your business?
Apply online or give us a call at 888-733-2383.
Ratings & Reviews
As a local San Diego company, National Funding has been helping other California businesses get the financing they need to succeed and grow.
How We Compare to Other Financing Solutions
Over the past 20 years, we've worked hard to provide the financing solutions and business loans San Diego business owners need to reach their goals. We understand that your business is about more than the numbers in a credit score or on a balance sheet. Our goal is to help you and your business grow.
Traditional Credit Lines
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.