Funds and Flexibility for San Diego Small Business Owners
San Diego’s diverse industrial and commercial sectors offer plenty of challenges and opportunities for business owners. Whether focused on tourism, manufacturing, biotechnology or defense, San Diego’s small businesses are some of the most successful in the country. In fact, San Diego is regularly recognized as the best place in the country to launch a small business or startup.*
National Funding is here to help entrepreneurs, mom and pop shops and all other types of small businesses with financial support tailored to their unique needs. San Diego small business loans don’t have to be hard to find or difficult to secure: That’s where National Funding comes in. Learn how your business can get the financial support it needs to win.
*Source: Voice of San Diego
“San Diego has been called the best place in the country to launch a small business or startup.”
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
Ratings & Reviews
We are very proud of what our customers are saying on Trustpilot
National Funding Has a Reputation You Can Bank On
Finding a great lending partner isn’t always easy for small businesses. National Funding has nearly two decades of service to back up our commitment to helping small businesses throughout the San Diego area flourish.
Based in San Diego ourselves, we understand the intricacies of the local economy. With small business funding solutions from National Funding, your company positions itself for success with a partner that’s ready, willing and able to work with you. Success could be just around the next palm tree!
Our Loan Process is Fast & Easy
National Funding has the experience and expertise to know no two small businesses, nor their financial needs, are alike. That’s why we offer a suite of small business loan products with to give your business exactly what it needs.
We also recognize that the timelines of other lenders often don’t align with small business cash flow and capital needs. That’s why we offer a fast and effective application process.
Our flexible, custom-tailored loans are developed with the needs of small business owners in mind. What does that mean for your business?
- The application process is simple and fast! No long questionnaires or over-the-top documentation requirements.
- Less restrictive and more practical lending standards.
- Funds delivered to you in just days once your loan is approved, meaning you can quickly get to work.
How To Get a Small Business Loan in San Diego
With National Funding, it’s easy for your business to get started on the path toward a loan. All we need is the following and you're on your way:
- There's minimal paperwork - just a one-page application
- Three months' of bank statements
That's it! Ready to find out more? Get Started
What Would You Do With Extra Money For Your Business?
Have you thought about how an infusion of cash could boost your business, help you address unexpected expenses and much more?
San Diego’s competitive marketplace could mean it’s time for your business to expand its marketing efforts, refurbish your existing location or hire more staff to successfully address increasing demand. No matter what the next step is for your business, National Funding is here to help you make it happen.
Choose National Funding For Your San Diego Small Business Loan
National Funding has been a San Diego-based business since 1999 and we’re proud sponsors of the Padres. We’re here to help your company accomplish its goals quickly and easily with a speedy loan process and options that make sense for small businesses throughout the city.
National Funding is excited to partner with your small business. Get started by completing our quick online application and work with a knowledgeable loan specialist today!
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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.