Business Funding

Secure funding to help take your business to the next level


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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 Funding Loans Can Work for You

Whether you run a large contracting company or a small retail shop, your business will probably need more capital at some point. Slow periods can deplete cash flow while periods of growth may give you access to time-sensitive expansion opportunities. In order to meet these business challenges and opportunities, access to small business funding is crucial.

Get Funds Fast

  • Traditional lenders may take weeks to approve your loan and send your funds
  • National Funding delivers quick funding for approved applications

Any Industry

  • We have business loans and equipment financing for almost any industry
  • Get loan repayment terms that help you manage cash flow through the busy and slow seasons of your industry

Pay for the Unexpected

  • Use loan funds to pay a sudden repair bill for your office equipment
  • Cover the cost of an unusually high tax bill or incoming vendor invoice

Cover Regular Costs

  • Business loans can be used to replenish working capital for everyday expenses
  • Keep your business running smoothly and use your loan to pay rent, utilities and payroll

How to Apply

We make it easy to apply for business funding. Watch this video to learn more!

How Does Small Business Funding Work?

Easy Application Process

Get started applying for a loan with our quick and easy online application and 3 months of bank statements.

Helpful Loan Guidance

A Loan Specialists will contact you to help you choose the right business funding.

Quick Decision, Fast Funding

You could be approved, and funds deposited in your account, in as little as 24 hours 1.

What Customers Are Saying

Craig Hart Electrical Services

Craig Hart, President

Smyth Electrical Services

As the business entered a period of expansion, having the reliability of available cash was critical to alleviating the stresses that growth can cause. Being able to rely on National Funding’s small business loans was the peace of mind that help the head of this small business rest easy.

Why National Funding?

From restaurants to farmers, National Funding has helped business owners like you get the financing they need. We have the experience to help your business succeed with a customized loan program. Don’t let the strict restrictions of traditional lenders keep you from securing funds for your business.

We Know Your Business

With over 20 years of experience, we’ve supported all types of business owners

Simple, Fast Application Process

No-cost, no-obligation application with funding in as little 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 Funding Resources

Many business owners secure business start up funding and think the hardest part is over. However, most businesses find they need less money to start and their real time of need comes a few years into running a business. We put together these top resources to help you learn more about funding your business once the startup phase is over.

Choosing a Business Loan

Choosing a Business Loan

There are a lot of options when it comes to business financing. We break down each type of business loan and weigh the pros and cons. Use this guide to get everything you need to know about picking a business loan.

Read More

The 6-Step Business Contingency Plan to Prep for a Recession

The 6-Step Business Contingency Plan to Prep for a Recession

Unfortunately, economic downturns are a part of life. The best way to keep your business running strong through a recession is to plan ahead when times are good. Find out how you can set your business up for success in the event of a recession with this 6-step plan.

Read More

Small Business Grants vs. Small Business Loans: What to Consider

Small Business Grants vs. Small Business Loans: What to Consider

A business grant gives you money for your business that you never have to pay back. Sound too good to be true? It might be, as grants are difficult to secure. See how a business loan may be a smarter choice than chasing the dream of a grant.

Read More

FAQ: Business Funding

Finding the right business loan or financing solution isn’t always easy. There are so many things to consider, it can be overwhelming. We want to help you make a little more sense of your funding options by answering some of your biggest questions.

How do I get my business funded?

Getting additional small business funding is easy with an alternative lender like National Funding. Simply fill out our short online application and provide 3 months of bank statements to get started. We’ll contact you to learn more about your needs and tailor a financing solution to your business.

Funding comes in many shapes and sizes, but the most common options include:
• Business loans
• Business credit cards or a line of credit
• Business grants
• Loans from personal contacts like friends or family
• Capital investments from outside investors
A business loan usually offers the best combination of borrowing risk to ease of approval.

A: It might seem impossible to get funding for a business if you have bad credit. Luckily, National Funding has small business funding options for all types of borrowers. We’ll work with you to customize a financing solution that’s tailored to your business and financial situation.

Ratings & Reviews

National Funding is proud of the reputation we’ve built helping business owners secure funding.


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.