Small Business Financing

Small business financing options to meet the needs of a growing business


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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., 9530 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 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 to Apply

How to Apply

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

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.

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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Business grants allow you to receive funds for your business that don’t have to be repaid. Sound too good to be true? Most business grants don’t give you quick access to funds you need. Learn more about business grants and how other business financing options may be a better solution.

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4 Myths About Short-Term Business Financing for Small Business Owners

As a business owner, you’ve probably heard many stories about the difficulties of getting a business loan. This post looks through the common myths about short-term business financing. Learn more about short-term business loans and how they can help your business.

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A Guide to Loan Financing Options When Your Cash Flow Dries Up

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Most businesses face a shortage of cash flow at some point. The slow season, a major investment or emergency repairs can quickly deplete cash reserves. This article looks at the reasons you might need extra cash and your business 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.

How much money do you need to put down for a business loan?

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.


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.