Alternative Lending

Alternative business lending for every business owner


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Terms & Conditions

General Acceptance

Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.


US Patriot Act:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


For Loan/Merchant Services:

The Merchant and Owner(s)/Officer(s) identified in the application (individually, an “Applicant”) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (“NF”) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, “Assignees”) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, “Recipients”) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.


For Equipment Services:

I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.


Text Messaging:

By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.

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How Alternative Lending Can Work for You

Trouble getting funding? Nearly every up-and-coming business owner faces a similar problem when it comes to finding business loans: it can be hard to get approved by traditional lenders.

Between credit concerns and lack of collateral, most traditional lenders are wary of lending to growing businesses. An alternative lender is one that provides business loans and financing beyond the traditional forms and can look beyond traditional measurements of success. Alternative business lending makes it easier for growing businesses to get access to the capital they need. At National Funding, we understand your business is much more than a credit score or ‘qualifying metric,’ and we want to help you succeed.

Get Working Capital for Everyday Expenses

  • Use loan funds from alternative lenders to pay for vendor invoices and tax bills
  • Cover your monthly utilities and rent to keep your business on track

Hire the Staff You Need

  • Alternative lending can help you bring in new employees for your busiest season
  • Encourage employee growth with training programs and educational resources

Increase Approval Odds

  • Alternative small business lenders have higher approval rates
  • Increase your chance of approval even with less-than-perfect credit

Quick Decisions and Loan Funding

  • No more waiting weeks for a loan approval — alternative lenders provide quick decisions
  • Your loan could be funded in as little as 24 hours1, depending on approval

How to Apply

We make it quick and easy to apply for alternative lending solutions online.

How to Apply

How to Apply

What is Alternative Lending?

Traditional banks and credit unions are highly risk averse. Oftentimes only applicants with high credit scores or loan collateral qualify. Even when they do qualify, the wait time can stretch up to three months simply for approval. Small businesses with little collateral can often find themselves facing loan rejections even when all they need is a quick boost to build or maintain forward momentum in their market.

This is where alternative lending comes in. Alternative lenders, or nontraditional lenders, are private companies that operate like banks by providing loans to businesses. The difference is that where traditional banks bog applicants down with strict requirements and long applications, alternative lenders provide loans quickly and with far greater ease. Alternative lending gives small businesses the chance to get the boost they need without forcing them to meet impossible standards beforehand. We at National Funding know just how crucial cash can be to a growing business so we make it easy for you. Keep reading to see just how simple it is.

How Does an Alternative Loan Work?

Easy Application Process

Our online application takes minutes to complete. You’ll just need 3 months of statements.

Helpful Loan Guidance

Our Loan Specialists will help you understand financing options and which solution is best for your business.

Quick Decision, Fast Funding

If approved, you could have your loan funds in as little as 24 hours 1.

Alternative Loans We Offer

Alternative lending is much more flexible than bank lending. As alternative lending is done by private companies, it’s easier to apply and get approval, and qualifications like minimum credit score are far less strict. There are also more options when alternative lenders are providing the loan. Get to know a little more about some of the alternative loans we offer at National Funding.

Small Business Loans

Term Loans

Term loans are the most popular alternative loan. Similar to a traditional bank loan, they usually involve a large sum paid back with interest over time. We recommend these loans to businesses that need to make major purchases. Sometimes that means equipment for a specific business, sometimes it’s a building renovation. Whatever the major purchase, alternative lending can help.

Business Lines of Credit

Our lines of credit work just as you might expect. With this alternative lending option, businesses receive a set amount of money that is available as often as it is paid back. These types of loans are great for small businesses that want help with cash flow. When it comes to paying vendors or employees, this alternative business funding option can be extremely useful. It also provides small businesses the opportunity to increase their credit score as they receive funding.

Invoice Financing

Invoice financing allows businesses to take out a loan based on invoices that have yet to be paid. This option is unique to alternative business loans and helps growing businesses maintain flexibility by providing them with the money clients simply haven’t sent yet.

Merchant Cash Advances

The merchant cash advance option involves an advance loan paid back with a percentage of daily credit card transactions. As with other types of lending, this option gives growing businesses the cash they need to keep their business growing.

Equipment Financing and Leasing

Equipment leasing

Sometimes business owners are in need of equipment that is constantly becoming outdated or that goes through wear and tear in its use. When this is the case, equipment leasing can be extremely useful. With equipment leasing, alternative lenders buy the equipment and then lease it to business owners for a set amount of time.

Equipment financing

Equipment leasing can allow for greater flexibility, but when business equipment has a long lifespan and could be useful as a long-term asset, it makes sense to invest and purchase that equipment. Equipment financing helps business owners do just that.

If you still aren’t sure what type of alternative lending option will be best for you, don’t worry. Our loan specialists can help you pinpoint the perfect solution for you and your business. As long as you need the flexibility and freedom that an alternative loan can provide, you know enough to apply.

Apply Now

What Customers Are Saying

Craig Hart

Craig Hart, President

Smyth Electrical Services

As Criag’s business entered a period of expansion, having the reliability of available cash alleviated the stresses that growth can cause. National Funding's small alternative business loans provided peace of mind and helped the head of this small business rest easy.

What are the Benefits of Working with an Alternative Lender?

There are many benefits that come from working with an alternative lender to finance your business. Alternative business loans provide an easier, faster, more convenient experience for small business owners so they can get back to the things that matter most; making their business thrive.

At National Funding we make the application process quick and simple by offering it online and only require financial statements from the last three months. Our alternative lending application process takes as little as three minutes and doesn’t require extensive paperwork. When you apply, National Funding will contact you as soon as possible to connect you with one of our Lending Specialists to get the process moving quickly. We pride ourselves on having high approval rates. Your chances of being approved for an alternative business loan with us is higher than you might think with your current credit. Once you are approved, we provide you with funding quickly so you can immediately get to work on pursuing your business goals.

We don’t just make it easy for you to apply but also provide easy ways to make payments by providing online payment options. Automatic payments means less worry about missing or late payments. We offer flexible loan terms, amounts, and options. Working with National Funding means you can choose from a range of alternative lending options. Plus, our wide variety of additional business loans allows you to select an alternative loan that best fits your business needs. Alternative small business loans give you flexibility with your finances while helping you maintain confidence in your business.

Why National Funding?

Whether you’re running a retail shop or moving goods across the country, National Funding has the experience to help you get the financing you need. We’ve provided business owners from almost every industry with the perfect loans and equipment financing to help grow their businesses.

We Know Your Business

Trust our years of experience supporting business owners

Simple, Fast Application Process

No-cost, no-obligation application with funding as fast as 24 hours 1

A Trusted Lending Partner

Supporting 50,000 businesses nationwide with over $3 billion in funding

Dedicated Loan Specialists

Our Loan Specialists care about your success and guide you to the right loan to get the cash you need

High Approval Rates

Even if you’ve been turned down elsewhere, there’s still a great chance we can get you the business capital you need with alternative lending

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments

Alternative Lending Resources

At National Funding, we understand the struggles of being rejected by a traditional lender. After all, we started out as a small business over 20 years ago. We’ve put together the important resources you need to learn more about alternative small business lenders and financing options.

The Potential Obstacles to Getting a Business Loan

The Potential Obstacles to Getting a Business Loan


Learn what obstacles might stand in your way when you try to apply for business financing. Find out what you need to know about business loans and what lending options are available in this article.

Read More

How Do I Get a Business Loan with Bad Credit?

How Do I Get a Business Loan with Bad Credit?

Unfortunately, having bad credit can make it more difficult to get a business loan. There are options for getting business loans with bad credit, however. An alternative business loan might be just the solution you need. Learn more about the possibilities in this post.

Read More

A Guide to Loan Financing Options When Cash Flow Dries Up

A Guide to Loan Financing Options When Cash Flow Dries Up

Being a business owner can feel like it’s sink or swim at times. Even when cash is tight, you have options to help provide your business with the influx of working capital it needs. Read this post to learn more about financing options to help you when you need it most.

Read More

FAQ: Alternative Lending

If you need business financing, you probably have questions. We’ve put together our most-asked questions about alternative financing options.

What is alternative lending?

Alternative lending is the process of providing business loans outside of traditional routes. Alternative lenders can provide more flexible loan options, giving more people the chance to qualify for a business loan.

One of the best parts of working with an alternative lender is the amenable lending requirements. Many alternative loan options are available for business owners with poor credit.

We’ve made the application process easier than ever. Our online application takes just minutes to complete. You won’t need to gather years of financial documents or physically write your information on a paper form. Fill out our application, and we’ll contact you to learn more about your business. Together, we can find a financing solution to fit your needs.

Ratings & Reviews

We’ve helped business owners just like you get the financing they need for more than 20 years.


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.