Small Business Loans & Financing in San Jose

Effective Small Business Funding for San Jose

Grow Your Small Business with Business Loans in San Jose

San Jose is the economic, cultural and political leader of Silicon Valley – a result of not only the local tech giants but the successful small businesses that contribute to a powerful local economy. While the economic conditions in San Jose are favorable, fierce competition means many businesses need support to flourish. Small business loans in San Jose were developed with companies just like yours in mind. Alternative lenders like National Funding give you the financial solutions you need to help your business grow. You may also want to view our business loans in California page for statewide information.

View of the freeway system in downtown San Jose
“San Jose was named the best city for small businesses in the entire country.”

Equipment Leasing and Small Business Funding in San Jose

Purchase or lease new business equipment, pay off outstanding invoices or expand to a second location with the help of financing solutions that are tailored to your business needs.

Small Business Funding

Need cash for inventory, payroll, or taxes?
Get from $5,000 to $500,000 in business cash.

  • Use the cash for any business purpose
  • Flexible terms with no early repayment penalty
  • Funds sent to your account within hours

Equipment Financing

Looking to purchase or lease equipment?
Finance new or used equipment up to $150,000.

  • Financing up to 100% of business equipment cost
  • No upfront fees or down payment required
  • Ability to use Section 179 Tax Deduction*
*Consult your tax advisor

Wide Variety of Financing Support & Solutions

As a business owner, it's smart to consider a variety of financing options before choosing the one that works best for your business. The National Funding team is here every step of the way to help guide you through our many financing options. Get the funds you need at competitive business loan rates in San Jose.

Working Capital Loans Fuel Your San Jose Business

Working capital is flexible funding that helps your small business grow. Learn about our solution to have cash on hand when you need it most.

We’ve Got a Financing Solution That’s Right for Your Business

No two businesses are the same, and no two business owners have the same resources. Regardless of your business goals or needs, National Funding can help you find financing for your business.

Step 1

Get Approved

Get Approved

No waiting, no delays.
Get approved within 24 hours.

Step 1

Do You Qualify

6 Months in Business
$250,000 in Annual Gross Sales
3 Months' Bank Statements

Step 2

Get a Solution

Get a Solution

Review financing options with your dedicated National Funding Specialist.

Step 2

Personalized Solutions

Learn how easy it is to work with us, and how hard we work for you.

Step 3

Get Cash

Get Cash

The money you need is deposited in your checking account — quickly and easily.

Step 3

Contact Us

What can we do for your business?

Apply online or give us a call at 888-733-2383.

Simple as that! Ready to find out more?  

Ratings & Reviews

Over the past two decades, National Funding has been providing business owners like you with small business loans in San Jose and throughout California.


Trustpilot rates 4.5 out of 5

Based on 1,730 Reviews

Trustpilot rates 5 out of 5Jul 19

As far as bridge financing goes...

As far as bridge financing goes these guys are about as good as it's going to get we paid it off early and got a 10% discount on the balance

Randy Shoemaker

Trustpilot rates 5 out of 5May 28

Eric Fong did an amazing job

I will definitely recommend any small business needing one form of funding or the other to check National Funding out.

Sam A.

Trustpilot rates 5 out of 5Jun 06

Hats off to the team that helped me…

Hats off to the team that helped me with some business lending. They made the process super easy for both working capital and equipment loans.

Hallie Beilig

Trustpilot rates 5 out of 5Jun 15

Great experience

Great experience, easy funding, paid next day! Smooth & straightforward process! Still lowest offered than any other lenders.


How We Compare to Other Financing Solutions

National Funding is dedicated to helping businesses succeed. We strive to help business owners reach their business goals, no matter their background. Even if you have less than ideal credit, we can help you find the right financing solution for your San Jose business.

  • High Approval Rate
  • Perfect Credit Not Required
  • Fast Funding Time
  • Early Payoff Discounts Available
  • Minimal Paperwork
  • Renewable Sources of Capital

National Funding

  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes

Most Banks

  • No
  • No
  • No
  • No
  • No
  • No

Traditional Credit Lines

  • Yes
  • No
  • Yes
  • No
  • No
  • Yes

* For illustrative purposes only.