Small Business Loans

We make getting loans fast, personalized and easy.

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Whether you’re planning a business expansion or you need help with managing payroll, small business loans provide entrepreneurs with the funding necessary to operate their businesses hassle-free. National Funding offers a wide range of small business financing options to cater to the unique needs of your business.

Choose Your Type of Small Business Loan

Working Capital Loans

Is your business struggling to maintain cash flow? National Funding offers working capital loans to help you manage day-to-day business expenses and operating costs with ease.

Short Term Business Loans

Need fast access to business loans that can be repaid in months not years? Choose short term business loans to provide your business with a temporary capital influx, and close out the loan in 12 to 18 months.

Equipment Financing Loans

Apply for equipment loans to secure capital for buying or leasing business-critical equipment. Ensure the smooth operation of your business with National Funding’s Equipment Financing Loans.

6 months
in business
Fair to
Excellent Credit
Equipment quote
from a vendor

How Can You Use A Small Business Loan

As a small business owner, there are many benefits to choosing business loans. Some of them are included below:

Build Your Cash Flow icon

Build Your Cash Flow

Have sufficient working capital to take care of the daily expenses of your business.
Expand Your Business icon

Expand Your Business

Open a new branch for your store or expand your warehouse facility.
Pay Bills & Consolidate Debt icon

Pay Bills & Consolidate Debt

Clear any outstanding payments to vendors and consolidate any existing debts.
Give A Short Term Boost To Your Business Finances icon

Give A Short Term Boost To Your Business Finances

Resolve any short term monetary problems encountered by your business.
Buy or Lease Equipment icon

Buy or Lease Equipment

Purchase or rent tools, machines, or appliances that are essential for your business.
Market Your Business to Target Audience icon

Market Your Business to Target Audience

Reach out to your ideal customers through brand awareness and sales funnel strategies.

Where Can You Get Small Business Loans

As a business owner, you have a lot of lending options to choose from. Three major lenders that provide small business financing include:

Small Business Administration (SBA)

This government agency offers SBA loans, also known as 7(A) loans, to small businesses in the United States.

Commercial Banks

Big banking corporations like Bank of America and the U.S. Bank also provide loans to small businesses. Banks and SBA are considered to be traditional lenders.

Alternative Lending Platforms

Online lenders like National Funding guarantee fast and easy access to small business loans once approved. In general, alternative lenders have quicker loan approval processes and have less-stringent loan qualification criteria compared to traditional lenders.


U.S. Small Business Financing Nationwide

National Funding is truly nationwide, offering effective small business funding across the country. Some of our top cities and states are below. Don’t worry if your region isn’t listed. We’re ready to serve your U.S. business.

By State:
By City:

How Do National Funding's Small Business Loans Work?

Whether you need a small business loan to expand your business or cover expenses during an unexpected lull, National Funding offers quick funding solutions for your business.

How to Apply

National Funding values your time and understands you have a business to run. That’s why our application process is fast and simple. Let us summarize it for you in three easy steps:

Step 1: Fill out the business loan application form.

Step 2: Discuss your business needs with our Funding Specialist to determine the right financing options for you.

Step 3: If your loan application is approved, you will receive the funds within 24 hours.

How to Apply steps

Why National Funding?

National Funding strives to provide you with the best small business loan experience. Our friendly and customized approach makes obtaining a small business loan simple and stress-free.

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments3

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National Funding Customers: In Their Own Words

Hear from a few of our successful small business owners about the ease of getting financing and how they put the money to work for their business.

JoChas Moving & Delivery - Joann Johnson's Story

Joann Johnson, Owner

JoChas Moving & Delivery

When a family of former NFL players wanted to move its business to the big leagues, they wanted a funding partner that provided a caring, personalized approach to small business financing. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

How To Get A Small Business Loan

Finding the best loan for your small business can feel overwhelming. With these six easy steps, you’ll receive financing solutions for your business in no time.

Choose the type of business loan that fits your business needs.

From working capital loans to inventory financing, explore the various types of funding solutions available. National Funding offers a wide variety of small business loans to suit your needs.

Determine the loan amount you need and the repayment terms that you can afford.

Calculate the loan amount you need to turn your business into a successful venture. At National Funding, our friendly Funding Specialists can help you determine the terms that work best for you.

Learn what lenders look for in a loan application.

Credit score, age of business, nature of business, profit statement – there are a lot of parameters that lenders scrutinize during the approval process. National Funding requires a business to be in operation for at least six months and at least $250,000 in annual sales to qualify for a loan.

Talk to the lender to understand the application process.

Contact the lender you’re researching to get your questions answered. At National Funding, our expert Funding Specialists are available to help you every step of the way.

Apply for the loan.

Once you’re clear about the lender’s loan application process, fill out the application form online. The National Funding application process takes only a few minutes online.

Choose the loan that works best for your business.

Opt for the loan that provides you with the most beneficial terms. National Funding strives to provide you with the best loan for your business needs.

FAQ: Small Business Loans

What is the minimum credit score for a business loan?
Many traditional lenders require businesses’ credit scores to be 750 and above to qualify for a business loan. However, alternative lenders do offer business loans to borrowers with fair to excellent credit.
How much money can I borrow for a small business?
With National Funding, small businesses can borrow anywhere between $5,000 to $500,000 depending on their unique business needs.
Is a small business loan installment or revolving?
It depends on the type of loan and the lender you choose to work with. If you choose a business term loan, you would receive a fixed amount from the lender that you need to repay in installments with interest. However, if you take out a line of credit, then you are assigned funds up to a certain limit that you can tap into when you need. Once you repay the entire amount or a portion of the funds accessed, you can again utilize the line of credit in the future.
Can you get a business loan online?
In this increasingly internet-savvy world, you can apply for business financing online. While some traditional lenders might still rely on old-school methods of processing your business loan, alternative lenders like National Funding make it easy for you to apply for a business loan from your laptops, smartphones, and tablets.
How quickly can I receive funds after applying for a small business loan?
With a traditional lender, the application process can take weeks. Then, if you are approved, you’ll probably wait a few more weeks for your loan funds to come through. On the other hand, alternative lenders like National Funding make it easy to apply and get your loans fast. If approved, you could have your loan funds in as few as 24 hours.1.
How do I use my National Funding Ignite card?
Enter your card number on the National Funding Ignite page and complete the simple online application.