How Business Financing Loans Can Work for You
Restaurants, design firms and construction companies all need business financing. No matter what type of business you run, you’ll probably need financing at some point. Small business financing helps owners take their business to the next level. Whether you need to cover immediate costs or need cash to expand opportunities, business loans can help you get your business where you want it.
High Approval Rates
- Financing through an alternative lender makes it easier to get the capital you need
- Get the money you need for your business fast with quick decisions and loan funding
Flexible Repayment Terms
- A customized loan can offer a variety of payment options
- We help you set up a loan program that works best for your business and situation
Pay for the Unexpected
- Use funds to repair broken office or business equipment
- Pay for unusually high tax bills using small business financing
Take Advantage of Opportunities
- Acquire funding for an expansion opportunity to a new location
- Invest in marketing and advertising to reach new customers
How to Apply
It’s easy to apply for small business financing options through National Funding. With $150,000 in annual sales and a year in business, the process is easy:
How Does a Business Financing Loan Work?
Easy Application Process
All you’ll need is 3 months of bank statements to complete our simple online application.
Helpful Loan Guidance
A dedicated Loan Specialist will reach out to you to help you choose the loan solution that’s best for your business.
Quick Decision, Fast Funding
Your loan application could be approved and the funds deposited into your account in as little as 24 hours. 1.
What Customers Are Saying
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.
How Small Business Financing Supports Your Industry
Almost every business needs business financing at some point. See how financing solutions from National Funding can help businesses just like yours.
How Small Business Financing Supports Your Industry
Almost every business needs business financing at some point. See how financing solutions from National Funding can help businesses just like yours.
Why National Funding?
Whether you’re a general contractor or run an office, we understand your business challenges. With a friendly, customized approach to the challenges of your unique business, we’ll help you find the financing solutions to solve them.
We Know Your Business
Experience supporting all types of businesses
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
Hassle-Free Payments
We provide fixed terms and set up simple, automatic payments
Small Business Financing Resources
Applying for business financing can be confusing. At National Funding, we want to give you the tools you need to make smart financing decisions. Check out our list of helpful resources to learn more about your financing options.

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FAQ: Small Business Financing
Searching for a loan for your business can leave you with a lot of questions. We want you to be prepared to find the best financing solution for your business, so we rounded up some of the most common questions about business financing.
One of the best parts of business financing through National Funding is no down payment requirement. You can get the business loan you need without depleting cash reserves for a down payment.
Whether or not you need a business plan to get a loan usually depends on your lender. Alternative lenders like National Funding don’t usually require more than a few months of bank statements.
Collateral is an asset or assets used to guarantee a loan. For example, when you take out a home loan, your house is the collateral. Business financing options from National Funding don’t require collateral.
Ratings & Reviews
We’ve helped business owners across the country get the best small business financing options to meet their needs.
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.