Ready To Move Your Business Forward?
Why a Small Business Loan Can Be a Smart Option
A small business loan is more than a line on your credit report: it’s a smart investment in your business’ future. There are many benefits to getting a small business loan for your business today. 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 business.
Cover Capital Expenditures
Update equipment, improve facilities and add critical growth elements
Pay Bills
Make sure bills, taxes, and vendors are paid on time so you’re not facing overdue notices
Protect Personal Finances
Loans for small business allow you to keep complications from personal loans out of your business
Grow Your Business
Purchase inventory, support marketing efforts, open a new location or bring on new team members
Keep Cash Available
Maintain working capital reserves to cover planned growth or unexpected needs
Maintain Independence
Loan for small businesses help you avoid giving up control of your business to equity partners or other funding sources
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Helped 50,000+
Businesses -
$3+ billion
Funded to Businesses -
4.7 / 5 Customer Rating
on Trustpilot
How to Apply
Securing the funds you need to keep your business running smoothly is simple with financing options from National Funding. Our application process is quick, easy, and secure. It takes just minutes to apply for customized loans for your small business. National Funding uses highly secure systems in order to protect applicants’ information.
After applying, one of our friendly loan specialists will connect with you so we can learn more about you and your business. Your loan 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 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.
We Support Growing Businesses, Just Like Yours
Our business loans aren’t designed as one size fits all. We understand that different stages of business and industries have different needs. Even within an industry, no two businesses are the same.
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Commercial Truck Loans
Commercial Truck Loans
Lease or purchase the vehicles you need to keep your business on the road.
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Medical Practice Loans
Medical Practice Loans
Keep your practice running at full speed with the funds you need to offer your patients great care.
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Dental Practice Loans
Dental Practice Loans
While you’re waiting for invoices to clear, consider dental practice loans to cover your everyday expenses.
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Construction Business Loans
Construction Business Loans
Make sure your building materials, equipment and people are always available.
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Medical Equipment Financing
Medical Equipment Financing
A medical equipment loan or lease helps you get the equipment you need to keep your staff and your patients healthy.
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Agriculture Loans
Agriculture Loans
Help your business grow with funds for equipment, transportation and overhead.
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Commercial Truck Loans
Commercial Truck Loans
Lease or purchase the vehicles you need to keep your business on the road.
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Farm Equipment Loans
Farm Equipment Loans
Keep your business rolling with the funds to acquire necessary equipment for your farm
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Retail Business Loans
Retail Business Loans
Purchase inventory, support marketing expenses, cover flexible staffing needs, and more.
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Construction Business Loans
Construction Business Loans
Make sure your building materials, equipment and people are always available.
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Restaurant Equipment Loans
Restaurant Equipment Loans
Purchase or lease the ovens and other restaurant equipment that keep your business cooking.
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Agriculture Loans
Agriculture Loans
Help your business grow with funds for equipment, transportation and overhead.
Why National Funding?
You’ll enjoy a friendly, customized approach that makes obtaining a small business loan simple and stress-free. We’ve created a streamlined process for loan applications and approvals.
Trusted by Businesses Like Yours
Over $3 billion in funding to more than
50,000 businesses nationwide
Personalized Experience
Lending solutions and payment options
tailored to your specific needs
The Right Loan for You
A range from $5,000 to $500,000
for properly scaled funding
Wherever You Are
Small business loans provided to companies
in every corner of the country
Fast and Easy Application Process
No-cost, no-obligation application with
funding in as few as 24 hours1
Loan Specialists Who Care
Experienced Loan Specialists help you
make the right decision
We Know Your Industry
Experience supporting small business
owners in virtually every category
Worry-Free Lending
No collateral requirements, plus simple,
automatic payments










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.
Joann Johnson, Owner/COO
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 loans. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

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
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.
Types of Small Business Loans Available
No matter what your business needs are, we have a small business loan for you. Our Loan 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.

Business Loans for Bad Credit
We have loan options for business owners with bad credit because we understand you need funds to help improve your credit score and your business. We are here to help you receive the financing you need to get there. Since our Loan Specialists look at your business potential and alternative lending options, we believe bad credit shouldn’t affect your ability to receive financial solutions. With our easy online application, quick response, and automatic payments, National Funding makes lending options easy and worry-free.

Unsecured Business Loans
Personal collateral is sometimes required when signing up for traditional business loans. With our unsecured or uncollateralized small business loan, we do not require such collateral. That way you focus on the more important aspects of your business to see better success without having to worry about losing your personal assets. We believe in keeping personal and business assets separate so your personal assets are safe from business shortcomings or success. Our unsecured business loans can provide you with peace of mind, flexibility, and financial stability.

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. Working capital loans can help you have cash-on-hand to help cover everyday business expenses when money is tight, business is slow, or even for business expansion.

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. Even though women-owned businesses in the United States continue to grow in numbers, women are less likely to be approved for loans and funding opportunities compared to men. We understand being a female business owner is not always easy, that is why we are here to help design loans that better help you fulfill your business goals. At National Funding we are happy supporters of female-owned businesses by offering lending solutions for women.
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.
National Funding is an alternative lender, which means we work with you, the small business owner. Our process works to help reduce 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.
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.
With a traditional lender, you usually have to wait weeks for your application to process. 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.
Your business is more than your credit score, but sometimes it seems like a lot of traditional lenders don’t see it this way. National Funding, on the other hand, knows your business’ story is bigger than your credit score. We have business loans for bad credit so you can fund the things your business needs and build your credit to help you get better terms in the future.
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 needed.
Disclosures
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.