Loans, Financing and Leasing from National Funding Give Your Small Business the Funding It Needs to Grow
San Jose is the economic, cultural and political leader of Silicon Valley. While that often evokes images of tech giants, small businesses play a vitally important role in the city’s success as well. San Jose was named the best city for small businesses in the entire country in 2016* - an impressive honor!
While the economic conditions are favorable, that doesn’t mean every small business will automatically succeed. Fierce competition means many businesses need support to flourish. National Funding offers San Jose small business loans, leasing and financing options developed with companies just like yours in mind, backed by nearly two decades of organizational knowledge and experience. No matter the industry or market your business focuses on, National Funding is here to help.
“San Jose was named the best city for small businesses in the entire country.”
Loans & Equipment Leasing for San Jose Small Businesses
National Funding offers loans or financing to meet your specific needs and nearly any business expense.
Wide Variety of Financing Support & Solutions
National Funding provides business with a wide array of financing support and assistance, empowering your company to choose the option that best suits your needs.
Working Capital Loans Fuel Your San Jose Business
We’ve got a financing solution that’s right for your business.
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
With nearly 20 years behind us, we have helped thousands of small businesses win.
How We Compare to Other Financing Solutions
National Funding is an ally to small business owners, a trusted resource that works hard and moves quickly to provide financing solutions. We’re a passionate team of individuals, driven by hard work, ethics, mutual respect, and transparency. We listen to our customers, understand their needs and nurture their passion into thriving small businesses.
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) Huge potential tax savings:
Section 179 tax deduction is a lucrative and important tax break that has been made permanent across the board, under the Protecting America from Tax Hikes Act (PATH Act). In most cases, the IRS allows your equipment lease or loan payments to be 100% tax deductible! You can secure the equipment, tools, and technology that you need, while also taking advantage of significant tax deductions — up to $500,000. 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.