Receivables Financing

Get funding to maintain your business cash flow

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How Receivables Financing Can Work for You

As a small business owner, you understand the value of your best customers. However, at some time or another, you’ll likely encounter a customer who pays their invoice late. Or, you may have a valuable, established customer who doesn’t agree to your payment terms, leaving you stretched and struggling to maintain your cash flow.

If this sounds familiar, receivables financing provides another way to obtain funding and help you get through those timing gaps so you can keep your business running smoothly. To learn about receivables financing and other small business financing options for you, apply now and speak to one of our Funding Specialists.

High Approval Rates icon

High Approval Rates

  • Financing through an alternative lender makes it easier to get the capital you need
  • Get the money you need for your business fast with quick decisions and funding
Stock up on Inventory icon

Stock up on Inventory

  • Take advantage of bulk discounts to keep your inventory stocked for busy season
  • Get ahead of price increases for your most in-demand items and products
Pay for the Unexpected icon

Pay for the Unexpected

  • Use funds to repair broken office or business equipment
  • Pay for unusually high tax bills using small business financing
Take Advantage of Opportunities icon

Take Advantage of Opportunities

  • Acquire funding for an expansion opportunity to a new location
  • Invest in marketing and advertising to reach new customers

How to Apply

It’s easy to apply for receivables financing through National Funding. With quick approvals and funding, find out if this option is available in your state. The process to get started is easy:
How to Apply steps

How Does Receivables Financing 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’re a general contractor or run an office, we understand your business challenges. With a friendly, customized approach to the challenges of your unique business, we’ll help you find the financing solutions to solve them.

Simple, Fast Application Process

Simple, Fast Application Process

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

A Trusted Lending Partner

A Trusted Lending Partner

Supporting 75,000+ businesses nationwide with over $4.5 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.

Positive Customer Reviews

Positive Customer Reviews

Consistently rated excellent with 4 & 5-star reviews on Trustpilot

We Know Your Business

We Know Your Business

Experience supporting all types of businesses

Small Business Financing Resources

Applying for business financing can be confusing. At National Funding, we want to give you the tools you need to make smart financing decisions. Check out our list of helpful resources to learn more about your financing options.

Unsecured vs Secured Business Loans: What's the Difference?

Unsecured vs Secured Business Loans: What's the Difference?

The difference between secured and unsecured business loans can be summed up in a single word: collateral. Lenders obviously want to be sure to get their money back, so they will try to minimize their risks. For a secured business loan, a borrower pledges a valuable business or personal asset — such as real estate, business equipment, a vehicle, inventory or accounts receivable — as collateral. The collateral lowers the lender’s risk of losing money because it can sell the asset for cash if a borrower defaults on a loan.

How to Do a Cash Flow Analysis

Cash flow is a crucial measurement of your company’s financial health. Without a healthy cash flow, you may struggle to pay your vendors and staff. Knowing how to do a cash flow analysis can help you avoid these financial pitfalls. This guide can walk you through the steps and the benefits of this calculation.

How to Do a Cash Flow Analysis

A Guide to Loan Financing Options When Your Cash Flow Dries Up

A Guide to Loan Financing Options When Your Cash Flow Dries Up

Most businesses face a shortage of cash flow at some point. The slow season, a major investment or emergency repairs can quickly deplete cash reserves. This article looks at the reasons you might need extra cash and your business financing options.

4 Myths About Short-Term Business Financing for Small Business Owners

As a business owner, you’ve probably heard many stories about the difficulties of getting a business loan. This post looks through the common myths about short-term business financing. Learn more about short-term business loans and how they can help your business.

4 Myths About Short-Term Business Financing for Small Business Owners

FAQ: Receivables Financing

How quickly can I receive funding?
Applying for receivables financing is fast and easy. You can get your funding in a matter of days – often in as few as 24 hours1.
How do I qualify?
To qualify, you will need to have been in business for at least one year with estimated annual gross sales of over $150k. Receivables financing is available in a limited number of states. You can Apply Now or call 888-733-2383 and speak to one of our Funding Specialists to find out if it’s available in your state.
Is this business or personal financing?
This is business financing and will not impact your personal credit score or affect your personal assets. The requirements are minimal, and no collateral is needed to qualify.
What are the advantages of receivables financing?
Improved cash flow – you can have peace-of-mind while waiting for invoices to be paid. It’s also easy to qualify – there’s no collateral needed, and no lengthy paperwork required to apply.
Is receivables financing right for my business?
If you’re waiting for your invoices to be paid or don’t have cash reserves on hand, this financing option can help to eliminate short-term challenges with cash flow for your business. These funds can be available quickly, freeing you up to take advantage of a new business opportunity or cover an unexpected expense.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 4.5 out of 5

Based on 1,730 Reviews

Trustpilot rates 5 out of 5Jul 19

As far as bridge financing goes...

As far as bridge financing goes these guys are about as good as it's going to get we paid it off early and got a 10% discount on the balance

Randy Shoemaker

Trustpilot rates 5 out of 5May 28

Eric Fong did an amazing job

I will definitely recommend any small business needing one form of funding or the other to check National Funding out.

Sam A.

Trustpilot rates 5 out of 5Jun 06

Hats off to the team that helped me…

Hats off to the team that helped me with some business lending. They made the process super easy for both working capital and equipment loans.

Hallie Beilig

Trustpilot rates 5 out of 5Jun 15

Great experience

Great experience, easy funding, paid next day! Smooth & straightforward process! Still lowest offered than any other lenders.