Working Capital Loans for San Jose Businesses

Helping San Jose Small Businesses Meet Their Working Capital Needs

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Working Capital Loans With Small Businesses in Mind

San Jose is a center of industry. Technology businesses - along with others in industries from food service to manufacturing - have established themselves in the area. There are more than 45,000 companies in San Jose, and nearly all of them are small businesses.

Whether you focus on technology, construction or fine dining, the city presents plenty of opportunities. To take full advantage, as well as address the many challenges that can arise, many companies seek out working capital loans. National Funding is proud to offer small businesses throughout San Jose working capital loan options that meet their needs.

Give your San Jose small business the support it needs with a working capital loan from National Funding.

*Source: The Business Journals

Working Capital Loans in San Jose, California

“There are more than 45,000 companies in San Jose, and nearly all of them are small businesses.”

A Working Capital Loan That Makes Sense for Your San Jose Business

Working capital loans are a flexible resource, applicable for nearly any business expense:


Get the word out about your business.


Secure the resources you need to deal with a spike in sales or production.


Keep staffing consistent heading into the busiest times of the year.


Give you and your staff the knowledge you need to succeed.

Finding a Great Lending Partner in San Jose

National Funding’s mission is to provide effective, useful loans to small businesses in San Jose and across the country. Our focus on the needs of smaller enterprises means we’re more than just another lender; we’re an organization that understands how businesses like yours operate and what they need to succeed.

Working with National Funding means choosing a lender that’s focused on your needs and has nearly two decades of experience financing more than 25,000 small businesses across the country.

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 Loan That Makes Sense for Small Business Owners

National Funding’s long history of working with small businesses means we’ve crafted a lending process that takes the needs of owners into account from start to finish. Our loan application is simple, focused and only asks for the information we need to make a lending decision - no requests for pages of documentation or answers for dozens upon dozens of questions.

What’s involved in the application process?

  • A simple, one-page application that doesn’t take you away from your business for hours at a time.
  • Lending standards focused on a few easily demonstrated business metrics, instead of an intensive review of every past decision.
  • Once approved, funds arrive within days. That means you can quickly make the purchases or investments needed for your business without delay.

Fast & Easy

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

How to get a Working Capital Loan in San Jose

With National Funding’s quick online application process, you can receive a lending decision in days, not weeks or months. What do you need to do to apply?

  1. Minimal 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 Working Capital Helps San Jose Businesses Like Yours

A working capital loan can be put to use for nearly any business purpose. Whether you want to freshen up your storefront or invest in technological improvements, a working capital loan can help your company take its next step forward. Working capital is also an important resource when it comes to unexpected financial burdens - a large repair bill can’t always be anticipated, and you need your business operational to pay it back.


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

National Funding is Proud to Partner with San Jose Small Businesses

National Funding has helped small businesses stabilize, grow and prosper since 1999. With nearly two decades of experience, we’ve learned how to best partner with small businesses and provide lending options that make sense for their needs. Work with a provider that understands the ins and outs of small businesses - work with National Funding.

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.