Direct Business Lending

Direct lenders work directly with you to take the hassle out of small business loans

Ready To Move Your Business Forward?

Click your annual gross sales 
Better Business Bureau, A+
By continuing I agree to all 

How Direct Lender Loans Can Work for You

A direct lender works with you specifically to help you get the business loan you need. Direct lenders cut out the middleman or lending broker to get you the best small business financing options for your business’ financial situation. With a direct business lender, you’ll have the power to find a financing solution that works for your business needs and get your questions answered promptly – no need for any back and forth or confusion. Even better, you can consult direct lenders online and complete a simple, quick application from the comfort of your home or office.

Direct lenders offer several types of business loans to suit every kind of business need. Whether you’re looking to expand your business or bridge gaps in cash flow, direct lenders can help you quickly get the funding you need.

Higher Approval Odds icon

Higher Approval Odds

  • Direct business lending allows your lender to hear your full story, not just what shows on a financial report
  • Direct loans tend to have higher approval odds than other business loans
Faster Decisions icon

Faster Decisions

  • A direct lender doesn’t have to go back and forth with a broker
  • You’ll get a quick decision on your loan application so you can focus on running your business
Easier Applications icon

Easier Applications

  • Direct lenders streamline the loan application process
  • No more filling out applications by hand for a traditional lender – complete your application online
Quick Funding icon

Quick Funding

  • If approved, you can access loan funds in as little as 24 hours
  • Without a third-party involved, a direct lender can approve loans and quickly transfer funds more easily

How to Apply

Applying for a direct loan from National Funding is fast and easy. Simply fill out our quick online application. One of our friendly Funding Specialists will reach out. We’ll listen to your business situation and help you find a financing solution that meets your specific needs.
How to Apply steps

How Do Direct Lender Loans Work?

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Helpful Loan Guidance

Helpful Loan Guidance

A Funding Specialist will contact you to help you choose the right business financing option.

Quick Decision, Fast Funding

Quick Decision, Fast Funding

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

What Customers Are Saying

Master Handyman, LLC - Cheryl Dailey's Story

Cheryl Dailey, Owner

Master Handyman, LLC

Focusing its business on providing handyman services to commercial enterprises in Cleveland, Master Handyman looked to secure a working capital loan to cover key expenses and allow them to hire new staff to foster growth. They wanted “real employees, not just day laborers”, and working with National Funding gave them the cash resource they needed to make it happen.

Why National Funding?

At National Funding, we’ve been providing business owners just like you with quality direct funding loans for 20 years. We understand the unique challenges of a growing business and we’re here to help. We offer business lending with a customized approach.

We Know Growing Businesses

We Know Growing Businesses

Experience supporting businesses with a variety of unique needs

Simple, Fast Application Process

Simple, Fast Application Process

No-cost, no-obligation application and funding with a quick turn-around.1

A Trusted Lending Partner

A Trusted Lending Partner

Supporting 75,000+ businesses nationwide with over $4.5 billion in funding.

Dedicated Funding Specialists

Dedicated Funding Specialists

Our Funding Specialists care about your success and guide you to the right loan to get the funds you need.

High Approval Rates

High Approval Rates

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

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments3

Direct Lender Loans Resources

Wondering how direct lenders work? We’ve put together our favorite resources for business lending to help you get a better understanding.

What Are Direct Lender Loans?

What Are Direct Lender Loans?

Find out more about direct lending and how it can work for your business. This post breaks down how a direct lender works and why it could be the best choice for your business. Learn about the benefits of working with a direct lender.

How Do I Get a Business Loan with Bad Credit?

Without the restrictions of a loan broker, small business direct lenders can help you get a business loan, even if you have less than ideal credit. Learn more about the process of finding an alternative, direct lender and how they can help you get a loan.

How Do I Get a Business Loan with Bad Credit?

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

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

Unfortunately, most business owners will experience a slow period at some point. Learn what you can do to combat a lack of cash flow through business financing. Working with a direct lender gives you the best chance of approval and fast loan funding.

FAQ: Direct Lender Loans

Shopping for a loan can be confusing and exhausting. We’ve put together some of the most popular questions business owners have about direct lending. Get the answers you need to help you find financing for your business quickly and easily.

What’s the benefit of a direct lender?
Direct lenders cut out the middleman of business lending. That means you get increased approval odds and faster approval times. It often also means you’ll have a shorter application and less hassle on your journey to getting the financing you need.
Can a direct lender help me get approved for a business loan with bad credit?
Yes! As a direct lender, National Funding has the ability to approve more applications than other lenders. We offer loan solutions for business owners with less than perfect credit.
Can I work with direct lenders online?
Yes. National Funding, for example, is one of the leaders in online lending solutions for business owners. Our online application is quick and easy so you aren’t losing time filling out pages of loan applications.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 4.5 out of 5

Based on 1,752 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.