How to Apply
Our online application makes it easy to get cash when you need it. This video showcases how to apply for a business loan online. After filling out our short application, one of our dedicated Loan Specialists will reach out to connect with you. We’ll learn more about your business and create a tailored loan program to meet your business needs.
What Customers Are Saying
Ron Beatty, Owner
Beatty Lawn & Tree Service
Knowing how hard it had been trying to secure small business loans in the past, this family-owned business sought out National Funding thanks to its reputation for accessible, hassle-free loans. Being able to purchase new, reliable equipment was a critical component for this growth business, and National Funding helped them make it happen.
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.
Online Business Loan Resources
You might be wary of applying for a business loan online. However, getting financing from an online lender may help you save time and money. Check out these resources to learn more about online lenders.
If you’ve ever tried to get a business loan, you know how hard the process can be when going through traditional lenders. This post will help you better understand some of the issues that can arise when looking for business financing.
Small Business Administration loans seem like a good fit for many business owners. Under the surface, however, many businesses find it hard to get approved for an SBA loan. Learn about SBA lending and other options that may be a better fit for your business.
If you have less than perfect credit, you might think it’s impossible to get approved for a business loan. Luckily, online loans make it easier than ever to get approved for financing, even with bad credit.
FAQ: Online Business Loans
Wondering if online business loans are right for you? Many business owners are unsure of online lenders. Read through the commonly asked questions about online lending for businesses.
Getting a business loan from an online lender is usually easier than applying for a loan in person. Simply fill out our easy online application to get started building your customized financing solution today.
No matter what you need financing for, it’s important to verify your lender. National Funding has been helping businesses get the financing they need for more than 20 years. We’re proud to be a leader in online business loans to help businesses across the country.
Ratings & Reviews
With 20 years of experience helping business owners get the cash they need. We can help you find the right financing solutions to get capital for small business needs as they come up.
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.