Micro Business Loans

Learn how micro business loans work and how they can help your business

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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.

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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
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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 hours
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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
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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 steps

How Does a Micro 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

JoChas Moving & Delivery - Joann Johnson's Story

Joann Johnson, Owner

JoChas Moving & Delivery

When a family of former NFL players wanted to move its business to the big leagues, they wanted a funding partner that provided a caring, personalized approach to small business financing. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

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.

Fast & Easy Application Process

Fast & Easy Application Process

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

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Preserve Cash

Preserve Cash

Hold on to more of your hard-earned cash for use in other parts of the business

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

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.


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.


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.


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.
How can I get a small loan fast for my business?
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.
Is an SBA micro loan right for my business?
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.

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Products offered by National Funding Inc. and affiliates are business products only. The products may be provided by third parties and subject to lender approval. In California, products made or arranged pursuant to a California Financing Law License. License #: 603A169