Small Business Loans

Funding a small business is a big deal.

We make getting loans fast,
personalized and easy.

Ready To Move Your Business Forward?

Click your estimated annual gross sales 
Better Business Bureau, A+
By continuing I agree to all 

Why a Small Business Loan Can Be a Smart Option

There’s more to a small business loan than meets the eye. More than a line on your credit report, it’s also a smart investment in your business’ future. The best business loans fuel growth for your business without any hassle, so you have financial flexibility for your daily operations. A loan helps you cover expenses that not only keep your business running but can help you grow and expand. Whether you need to hire more employees or a short-term cash infusion to cover taxes, National Funding can help you determine the right financing solution for your small business.

Cover Capital Expenditures icon

Cover Capital Expenditures

Update equipment, improve facilities and add critical growth elements so that your business can move forward.
Grow Your Business icon

Grow Your Business

Purchase inventory, support marketing efforts, open a new location or bring on new team members
Pay Bills icon

Pay Bills

Make sure bills, taxes, and vendors are paid on time so you’re not facing overdue notices
Keep Cash Available icon

Keep Cash Available

Maintain working capital reserves to cover planned growth or unexpected needs
Protect Personal Finances icon

Protect Personal Finances

Keep complications from personal loans out of your business
Maintain Independence icon

Maintain Independence

Avoid giving up control of your business to equity partners or other funding sources
6 months
in business
FICO score
over 575
Equipment quote
from a vendor

How to Apply

Securing the funds you need to keep your business running smoothly is simple with National Funding. Our application process is quick, easy, and secure. It takes just minutes to apply and National Funding uses highly secure systems in order to protect applicants’ information.

After applying, one of our friendly Funding Specialists will connect with you so we can learn more about you and your business. Your Funding Specialist can help answer any questions you have about the loan process and help you discover which loan is the right fit for your business and financial needs. Our high approval rates and fast decisions make it easy to get back to what you do best – running your business.

How to Apply steps

How Do National Funding's Loans for Small Business Work?

Unlike many traditional lenders, National Funding provides customized financing solutions for your business. We take the time to talk to you and get to know you, instead of only looking at your financial history or credit score. Our process makes it easy to get the funding your business needs to keep moving forward.

Why National Funding?

With National Funding, you’ll enjoy a friendly and customized approach that makes obtaining a small business loan simple and stress-free.

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 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 payments

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments.

Trustpilot logo
BBB logo
Inc 5000 logo
AdobeSign logo
Comodo logo

National Funding Customers: In Their Own Words

Hear from a few of our successful business owners about the ease of getting business loans 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.

COVID-19 Resources for Small Businesses in 2021


SBA Loans During the Coronavirus (COVID-19) Pandemic - What to Consider

SBA Loans During the Coronavirus (COVID-19) Pandemic - What to Consider

SBA loans aren't for everyone. This article looks at the types of SBA funding available compared to working capital loan options so you can figure out the best way to get the capital you need.


What Are Paycheck Protection Program (PPP) Loans and How to Apply?

In January 2021, an additional $284 billion was approved by U.S. Congress for the Paycheck Protection Program (PPP). Learn about how you can apply for a first or second-time Paycheck Protection Program (PPP) loan for your business.


SBA Paycheck Protection Program (PPP) vs. Economic Injury Disaster Loans (EIDL) during Coronavirus Pandemic

SBA Paycheck Protection Program (PPP) vs. Economic Injury Disaster Loans (EIDL) during Coronavirus Pandemic

For small business owners hit hard by the Coronavirus (COVID-19) Pandemic, there are different SBA funding relief options to offset the negative economic impact. Two that have been in the news are: Payment Protection Program (PPP) and Economic Injury Disaster Loans (EIDL). This article compares and contrasts these two options.


Economic Injury Disaster Loans (EIDL) & Loan Advances: How to Apply

In response to the coronavirus pandemic, small business owners are eligible to apply for an Economic Injury Disaster Loan (EIDL) Emergency Advance of up to $10,000. Learn more and how you can apply.


Small Business Loans Designed For You

No matter what your business funding needs are, we have a small business loan for you. Our Funding Specialists are here to help you find the right loan for you and your business, simply apply online to see which funding solutions fit your needs.

Bad Credit Business Loans

Bad Credit Business Loans

We understand how difficult it can be when a bad credit score prevents you from building a good one. That's why we have loan options for business owners with bad credit. Bad credit shouldn't affect your ability to receive financial solutions so our Funding Specialists look at your business potential, rather than your credit score to find alternative lending options for you.

Unsecured Business Loans

Unsecured Business Loans

Traditional lenders sometimes require personal collateral when signing up for business loans. With our unsecured or uncollateralized small business loan, we do not require such collateral. That way you can focus on the more important aspects of your business without having to worry about losing your personal assets. Our unsecured business loans can provide you with peace of mind, flexibility, and financial stability.

Working Capital Loans

Working Capital Loans

In order for businesses to run smoothly, they need on-hand cash to cover expected or unexpected expenses. Working capital loans can give your business access to cash when you need it most to cover these crucial expenses. A working capital loan allows you to have flexibility with your finances, maintain business ownership, and have access to cash for immediate expenses. Our working capital loans can help you have cash-on-hand to help cover everyday business expenses when money is tight or business is slow, and can even work as a business expansion loan.

Business Loans for Women

Business Loans for Women

National Funding is proud to support small business owners from all types of backgrounds, including women-owned businesses. We are here to help women-owned businesses grow by offering loans to help them take their business to the next level. Women-owned businesses in the United States continue to grow in numbers, but women are still less likely to be approved for loans and funding opportunities compared to men. We understand that being a female business owner is not always easy. That's why we're here to help design loans that better help you fulfill your business goals.

FAQ: Small Business Loans

Securing a small business loan can be challenging to navigate if you don’t know the ropes. As a business owner, you’ve got better things to do than spend weeks learning the intricate details of lending. That’s where we can help. At National Funding, we know you’re busy, so we make it easy to understand your financing options. Get the answers you need now by looking through our most frequently asked questions about small business financing.

How do National Funding’s small business loans work?
National Funding is an alternative lender, which means we work with you, the small business owner. Our process reduces the amount of time it takes to review your small business loan application. When you apply for a loan, our team reviews it instead of sending it to a third party. We’ll help you find the right financing for your business. If approved, we’ll get your funds to you fast.
How can I apply for a small business loan with National Funding? How much of a small business loan can I get?
You can apply online with just a few simple steps. We won’t make you fill out books of paperwork or mail in your application. You can even complete our online application right from your mobile phone. Apply for a loan from $5,000 all the way up to $500,000 with no collateral required.
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 another several 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 loan decision fast. We pride ourselves on giving you a quick decision on your application. If approved, you could have your loan funds in as few as 24 hours1.
Can I get a small business loan with bad credit?
Your business is more than your credit score, but sometimes it seems like a lot of traditional lenders don’t see it this way. We at National Funding know your business’ story is bigger than your credit score. We provide bad credit business loans so you can fund your business needs and build your credit to help you get better terms in the future.
Do I need collateral for a small business loan?
Small business loans from National Funding don’t require collateral or a down payment to get the funds your business needs. Apply today and we’ll help you find a customized financing solution that’s tailored to your business with no down payment and no collateral needed.
Comodo Logo
BBB Logo
National Funding Logo

Speak to a Funding Specialist

888.733.2383

Proud Sponsorships

We're in a league of our own.  
Find out more.

© 2021 National Funding

Products offered by National Funding Inc. and affiliates are business products only. The products may be provided by third parties and subject to lender approval. In California, products made or arranged pursuant to a California Financing Law License. License #: 603A169