How Fast Business Loans Can Work for You
Running a business isn’t always easy. As a business owner, you’re often pulled in many directions at once. When your business needs cash, you probably don’t have the time to spend hours on a loan application from a traditional lender. Alternative lenders like National Funding provide the easy business loans you need to get cash fast.

Pay Unexpected Bills
- Fast funding gives you cash to cover sudden repairs for broken equipment
- Pay an unexpected vendor invoice to maintain a good relationship
Take Advantage of Opportunities
- Use cash to sponsor an upcoming event and promote your business
- Purchase equipment or supplies with limited-time offers
Cover Regular Expenses
- Pay rent and utilities so you’re in good standing with your property management company
- Keep payroll up to date and retain loyal employees

Meet Needs During the Slow Season
- Loans can be funded fast to cover expenses during a sudden slow period
- Pay for the things your business needs, even if sales are slow
How to Apply
It’s simple to apply for fast business loans from National Funding. We offer customized business financing solutions that are funded fast. Fill out our short online application and one of our Loan Specialists will reach out to you to discuss your immediate needs.
How Do Easy Small Business Loans Work?
Easy Application Process
Get started applying for a fast and easy business loan with our short online application and 3 months of bank statements.
Helpful Loan Guidance
A Loan Specialist will contact you to help you choose the right loan for your business.
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
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.
How Fast Business Loans Support Your Industry
Why National Funding?
Nobody provides a more personalized approach, with experienced Loan Specialists to guide you every step of the way and answer your funding questions. Our process makes getting the money you need to cover business expenses easy.
We Know Your Industry
We have experience helping a wide variety of business owners secure the right financing solution
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
Easy Business Loans Resources
Understanding your options when you need cash fast can be difficult. Use these resources to learn more about getting fast financing for your business needs.

How Much Inventory Should I Carry?
One of the hardest things to determine for a business that sells products is knowing how much inventory to stock. This post can help you learn how to read your industry, seasonal shifts and customer preferences to decide on the right amount of inventory.

What a Federal Minimum Wage Increase Would Mean for Small Businesses
A mandatory minimum wage increase could have huge effects on a small business. Use the tips in this post to prepare your business for any required wage increases. Having financing lined up in case you need it fast is a great way to be ready for wage increases.

Loan Financing Options When Your Business Cash Flow Dries Up
Having cash reserves for your business is important. However, if your sales suddenly decrease, customers don’t make payments on time or you’re suffering from seasonal lulls, it’s hard to maintain working capital. Learn how you can keep cash flowing even if your income slows down.
FAQ: Fast Business Loans
Most business owners have questions about getting financing for their business. If you’re looking for funding fast, you might have even more questions than usual. Take a look at these commonly asked questions about easy and quick business loans.
You’re unlikely to get a business loan fast from a traditional lender. Usually these lenders require lots of paperwork and financial documents just to apply for a loan. After applying, you might have to wait months before learning if you’ve been approved or not. National Funding makes getting a business loan fast and easy. Our online application takes minutes to complete and you’ll get a financing decision fast.
National Funding is committed to helping business owners get the financing they need quickly and easily. Even if you have less than perfect credit, we’ll work with you and try to find a tailored financing solution to meet your needs.
Ratings & Reviews
We work hard to provide a personalized experience for every business owner. Read our reviews to see how we’ve helped business owners like you.
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.