First Time Business Loans

Keep your momentum with a first time small business loan.

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How a First Time Business Loan Can Work for You

Starting out, businesses usually run smoothly for some time. Many business owners, however, eventually run into a common problem even early on – a lack of cash flow. Slow periods and the need for capital crop up for most businesses at some point. The idea of applying for business financing can be daunting. You might be feeling overwhelmed at the prospect of filling out a business loan application for the first time. At National Funding, we understand your concerns. We’re ready to help you find the business funding solution your business needs to thrive.

Loans for Every Business icon

Loans for Every Business

  • We have financing solutions for almost any business, from ecommerce services to restaurants
  • We'll help you find the loan that works best for your business model and industry
Fast Decisions icon

Fast Decisions

  • You won’t need to wait for weeks or months to see if your loan is approved
  • We provide a quick decision and fast funding for approved applicants
Pay for Everyday Business Needs icon

Pay for Everyday Business Needs

  • Cover monthly expenses like rent or utilities
  • Pay unexpected vendor invoices or tax bills
Grow Your Business icon

Grow Your Business

  • Get cash to cover your move to a bigger location
  • Invest in marketing and advertising to expand into new markets

How to Apply

Applying for a first time business loan is easy with our simple online application. To apply for a business loan with National Funding, simply fill out our short online application. One of our dedicated Funding Specialists will contact you to learn more about your business. We’ll create a custom financing solution tailored to your business needs.
How to Apply steps

How Does a First Time Small Business Loan 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

Bob's Home Heating and Cooling - John Meier's Story

John Meier, Owner

Bob's Home Heating and Cooling

It was time for "Bob" to retire, which meant an opportunity for John. As he looked to buy the business, he needed to make sure capital was in place to support the extremely seasonal Minnesota-based business. With a hands-on, consultative approach to small business loans, National Funding helped secure the right amount of funding and made the process "painless."

Why National Funding?

No matter your industry or business model, we have the experience to help you find a first time business loan. We started out as a small business ourselves, so we know what it’s like to try to get funding. Let our Funding Specialists help you customize a financing solution that’s ideal for your business.

We Know First Time Business Owners

We Know First Time Business Owners

Experience supporting small and growing business owners.

Simple, Fast Application Process

Simple, Fast Application Process

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

A Trusted Lending Partner

A Trusted Lending Partner

Supporting 50,000 businesses nationwide with over $3 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 payments.

First Time Business Owner Resources

Business finances can be confusing. We’re here to help make them a little easier. Check out our articles and blog posts on business lending, taxes and how you can prepare your business for the future.

How to Plan for the Next Five Years of Business Growth

How to Plan for the Next Five Years of Business Growth

Small business owners across the country are optimistic about business growth. Get ready for the future of your business with a five-year plan. By planning for growth now, you’ll be ready to take advantage of opportunities when they arrive.


Are My First Time Business Loan Payments Tax Deductible?

Your business loan payment probably has a big role in your daily cash flow. Luckily, you may be able to deduct part of your business loan payment at tax time. Read this post to learn more about deducting business loan interest.


Smart Small Business Budgeting Techniques

Smart Small Business Budgeting Techniques

How well do you manage your personal budget? How about your business budget? If you need a little extra help setting up a business budget that works, check out this article.


FAQ: First Time Small Business Loan Options

As a business owner looking for your first loan, you probably have questions. At National Funding, we know navigating your business’ financing needs can be confusing. We’ve put together some of the most common questions related to business loans for first time business owners.

Is it hard to get a first time business loan?
At National Funding, we’re proud to offer business loans for first time business owners. We know you probably have questions about the financing process, and our Funding Specialists are here to help. You’ll need to have been in business for at least a year and have $100,000 or more in annual sales. We’ll work fast to get your financing decision as soon as possible.
Can I get a first time business loan with bad personal credit?
Your business probably doesn’t have a lot of business credit built up if you’re looking for your first business loan. In this case, you usually use your personal credit for loan approval. However, if you have poor credit, you might be wondering if it’s possible to find a loan. Luckily, there are options for bad credit business loans from National Funding.
Where is the best place for a first time loan for small business owners?
Small and growing business owners face a unique challenge: You need funding to grow your business, but it can be difficult to find a loan for a first-time business owner. More often than not, the best place to get a first time small business loan is through an alternative lender who understands the unique position of a growing business.
Do I qualify for a first time business loan?
At National Funding, we offer business funding solutions for businesses of all shapes and sizes. Our simple online application takes minutes to complete and won’t affect your credit score.

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Products offered by National Funding and affiliates are business loans only. The products may be provided by third parties and subject to lender approval. In California, loans made or arranged pursuant to a California Financing Law License.