Small Business Loans for San Jose Businesses

Flexible Lending Options Supporting San Jose Small Businesses

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Small Business Loans Help Companies in San Jose Prosper

San Jose is an economic engine, a city known for its technological developments, startup-friendly culture and wealth. Much of that activity is driven by small businesses, which make up more than 97 percent of all companies in the San Jose metro area.*  Want to see your small business succeed in the Capital of Silicon Valley?  Want to make your business stand out in this especially competitive city?  Get the money needed for effective business development by partnering with National Funding.

National Funding has partnered with small businesses since 1999. Whether you’re involved in hardware, software, IT or a different field entirely, National Funding is proud to offer San Jose small business loans to nearly every part of the local economy.  National Funding offers flexible, effective loans.

*Source: The Business Journals

Small Business Loans in San Jose, California

“Small businesses make up more than 97% of all companies in the San Jose metro area.”

Flexible Lending Options Mean You Choose What’s Best for Your San Jose Business

A small business loan isn’t tied to a specific project - You can use it for nearly any business expense.


Bring on more staff before the busiest time of the year.


Update your business with improved appearance, technology and more.


Make sure you keep your best-selling products in stock.


Get the word out about your business with advertising and outreach.

National Funding Understands San Jose Small Businesses

Choosing the right partners, suppliers and clients is a vital element of small business success. Working with a lender shouldn’t be any different. National Funding has nearly two decades of small business lending experience, which means we focus on the wants and needs of companies just like yours.

Our application process and lending timelines are fast, easy to follow and streamlined.  We understand the best ways to assist small businesses.  Partner with National Funding and your small business could flourish in the Capital of Silicon Valley and greater San Jose metro region!

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 & Focused Small Business Lending Process

Every small business is different, so lending needs vary greatly from one company to the next. National Funding is here to help your company with an effective loan that takes your unique needs into account.

We know many lending options can involve several hours or days spent completing applications and weeks or even months waiting for a decision. National Funding offers faster processes more focused on the realities of operating a small business.

  • What can you expect when you start the loan application process with National Funding?
  • A quick, targeted application process! You won’t have to deal with pages of questions or extreme documentation.
  • Practical lending standards developed specifically with small businesses in mind.
  • Funds delivered in a matter of days, allowing you to quickly invest the loan into your business and get back to work.

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 Loan in San Jose

National Funding makes it easy for you to start the loan application process and quickly receive a decision. What do we need from you? Just the following:

  1. Minimal paperwork - just a one-page application.
  2. Share three months' of bank statements.

That's it!  Get started today.


Our financing solutions and variable payment options are tailored to your specific needs.

What Can You Do With a Small Business Loan?

Extra cash on hand can help your San Jose business for nearly any business expense from address unexpected financial needs to finance growth and expansion.

You could invest in a new location for your business, upgrade your IT infrastructure - a priority for many businesses in San Jose’s competitive technology sector - or complete a series of smaller projects. National Funding is here to partner with small businesses across San Jose to make business improvement plans a reality.


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

Why Work With National Funding for Your Small Business Loan?

National Funding is a veteran in the world of small business lending. We recognize the differences between small and large organizations, as well as the fact that no two small businesses are completely alike. We’ve worked since 1999 to develop a fast and effective loan process, from the initial application to the delivery of funds.

National Funding is ready to work with your small business. Get started by completing 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.