Micro Business Loans

Learn how micro business loans work and how they can help your 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 a Micro Business Loan Can Work for You

Does your business need a little bit of cash to cover immediate expenses or needs? Are your cash flow needs small enough that you can’t justify taking out a large, long-term business loan? A micro loan could be right for you. Micro business loans give you the influx of cash your business needs in smaller amounts than most long-term business loans. You’ll repay the micro loan over a year or less, getting your business out of debt quickly.

High Approval Rates

  • Micro loans often receive higher approval rates than other types of loans
  • With a micro loan from an alternative lender, you increase your chance of approval

Fast Funding

  • Get the cash you need now with quick loan approval decisions
  • National Funding funds your approved micro loan fast, with funding in as little as 24 hours1.

Cover Seasonal Costs

  • Pay for daily expenses during slow seasons as your cash flow slows down
  • You can then pay off your micro loan quickly when you reach your busy season

Pay for Sudden Expenses

  • Cover your monthly utilities and rent when cash reserves are low
  • Keep up with payroll throughout a dry spell

How to Apply

Apply for a micro business loan in minutes with our online application. The loan process from National Funding makes finding and securing a micro loan easier than ever. We’ve completely streamlined the loan application and funding process to fit the needs of business owners like yourself.

How to Apply

How to Apply

How Does a Micro Business Loan Work?

Easy Application Process

Get started applying for a micro 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 micro 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

Joann Johnson

Joann Johnson, Owner/COO

JoChas Moving & Delivery

I went to our bank for a loan, but they wouldn’t give us a chance. National Funding was willing to take a risk. Our first financing was very easy. They needed 3 months of bank statements and our income tax return, and the next thing I knew, they said ‘Joann, what account do you want your funds to go into?’ It was even easier the second time.

Why National Funding?

Whether you need to cover an unexpected repair bill or this month’s rent, micro business loans can give you the cash you need. As a leader in short-term business financing, National Funding is here to help make the process fast and simple.

We Know Your Business

We have experience supporting all types of business owners.

Simple, Fast Application Process

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

A Trusted Lending Partner

Supporting 45,000 businesses nationwide with over $2.5 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

Micro Business Loan Resources

Get the latest information on business funding. We’ve created this list of important resources for business owners to learn more about short-term micro loans.

Short-Term vs. Long-Term Business Loans

Short-Term vs. Long-Term Business Loans

See the differences between short-term and long-term business loan options. This post can help you consider the advantages and disadvantages of each. You’ll be better prepared to choose between a micro loan or a larger, long-term business loan.

Read More

A Guide to Microloans for Small Business

A Guide to Microloans for Small Business

When you’re running a small business and funds are tight, borrowing even a few hundred dollars can make the difference between paying your bills or not. But many traditional lenders won’t even consider loans for less than five figures. Fortunately, there are other lenders out there willing to make microloans for small businesses.

Read More

The Difference Between a Loan and a Cash Advance

The Difference Between a Loan and a Cash Advance

Trying to decide how to fund your business needs? You may be considering a merchant cash advance, which takes a percentage of your credit card sales. However, a micro loan may be the better choice for many businesses.

Read More

FAQ: Micro Business Loans

Feeling confused as to whether a micro loan is a good fit for you? We’re here to help! We’ve put together some of the common questions business owners like you ask about micro loans, and provide straightforward answers.

What are micro loans for small businesses?

Micro loans are small cash loans that are generally repaid in a short period of time. For example, say your business cash reserves are low and you need to cover rent and utilities for a couple of months. A micro loan gives you just enough money to cover your expenses without putting you into deep debt with a long repayment period.

National Funding makes it easy to apply for micro business loans. Simply fill out our online application and we’ll help you find the right micro financing your business needs. In some cases, we can fund your loan in as few as 24 hours1.

The SBA, or Small Business Administration, loan program works by partnering with various lenders. Since the SBA itself doesn’t provide loans, but rather goes through traditional lenders like banks, it can be difficult to get approved for a loan. You’ll probably need a good credit score and to meet certain strict financial requirements, even for a micro business loan.

Alternative lenders like National Funding can help you get the micro loan you need quickly and with fewer requirements than more traditional lenders. Apply for a loan today to get started.

Ratings & Reviews

See what our satisfied customers have to say about the loan experience with National 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.