Working Capital Loans for San Diego, California Businesses

Set your San Diego business on the path to success with a working capital loan from National Funding.

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An Effective Solution to Working Capital Needs for Small Businesses Across San Diego

Throughout San Diego, businesses like yours require cash on hand to finance improvements and expansions. More than 138,000 people work in the San Diego Innovation Economy*, in industries like cleantech, life sciences, technology, and manufacturing. We recognized that San Diego businesses need the financial latitude to create opportunities and revolutionize the city itself - and maybe even the world.

If your San Diego based business needs rapid access to working capital, National Funding is here for you.  National Funding offers flexible options and tailored terms that give small businesses the working capital support they need when they need it. Acquiring working capital loans shouldn’t be a long or exhausting process. With National Funding, small business owners in San Diego have a reliable partner.

*Source: San Diego Regional EDC

Working Capital Loans in San Diego, California

"More than 138,000 people work in the San Diego Innovation Economy."

Using Your Working Capital For Your Business

Flexibility is one of the greatest advantages of a working capital loan - the funds can be used for nearly any business expense.  Here are common reasons San Diego companies need working capital:


Increase total staff ahead of an especially busy period.


Enhance and broaden employee skill sets.


Improve your stocks of raw material or ready-to-sell items.


Get the word out about your business.

Choosing a Proven Lending Partner

National Funding is dedicated to helping small businesses throughout San Diego. Our dedication spans close to two decades, with our first loan provided in 1999. Since then, we’ve distributed more than $1.5 billion to small businesses across the country to help them develop, diversify, fine-tune and expand their operations. When you choose National Funding to provide your working capital loan, you work with a knowledgeable and experienced veteran in the industry.

Small Business Funding in San Diego, CA

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

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A Simple, Speedy Loan Application

National Funding’s many years of working closely with small businesses like yours means we understand how burdensome and time-consuming the application for working capital can be. We’ve developed a more practical approach that benefits the companies we work with.

We offer an application process and approval standards that take the needs of small businesses into account.

What does that process look like?

  • A straightforward application that doesn’t ask for tons of detailed data, just the pertinent information about your company.
  • Practical lending standards that focus on just a few key simply demonstrated business metrics.
  • Funds delivered in a matter of days, meaning you can easily address short- and long-term concerns alike.

Fast & Easy

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

How to Get a Small Business Working Capital Loan in San Diego

You can see if you qualify for a small business working capital loan through our quick online application process, with approval available in as little as 24 hours.1

Here’s all we need from you:

  1. Barely any paperwork - you only fill out a 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.

How Would More Working Capital Help Your Business?

San Diego offers up so many business opportunities that it can be hard to keep track. And there are always unexpected and unpredictable business expenses that can strike at the least opportune time.
Working capital can be put to use for almost any business purpose, from upgrading your company’s IT infrastructure to paying off high-interest credit card bills and funding employee training. That kind of flexibility is one of the reasons so many small businesses can benefit from a working capital loan from National Funding, no matter their industry or market. Just reach out - National Funding is ready to work with you.


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

National Funding is Ready to Assist San Diego Small Businesses

As a San Diego-based business, National Funding has a deep understanding of the local economic climate. When it comes time to find a partner to provide your business with a working capital loan, turn to a provider that can work with you to create an effective loan that takes your unique operational needs into account.

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.