Short Term Business Loans

Handle immediate business needs without long-term obligations.


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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 Short Term Business Loans Can Work for You

When it comes to business loans, the length of your personal business loan term is almost as important as securing funds. Almost all businesses require additional capital at some point, but there’s a big difference between long-term loans and temporary financing solutions, otherwise known as short term loans. Most short term small business loans are repaid within a year or less, but some long-term loans can last over a decade.


What are the Benefits of Short Term Business Loans?

Speed! Short term business loans offer quick financing to support immediate business expenses. Unlike long term loans, short term loans don’t come with the risk of accumulating large debts or interest and don’t have the long-term commitment to loan payments. A short term loan can provide the right amount of money for your business while allowing you to pay off the loan quickly

When would a business need a short term loan? Short term loans can benefit you when cash flow is slow during a short time period of time or when funding is needed to help your business grow. A short term loan can help your business now to set you up for long term success. Apply online to see what short-term financial solutions can help your business thrive.

Fast Funding

  • Most short term loan programs are funded quickly, some within 24 hours1
  • Not waiting for loan funds to hit your account means you can utilize the money when and where you need it most

Increased Approval Rates

  • Short term business loan lenders often don’t require collateral or lengthy paperwork for approval, saving you time and headache
  • Compared to traditional lenders, short term loans from an alternative lender (like National Funding) have much higher approval rates

Flexible Repayment Options

  • Customized, short term loans can offer a variety of payment options
  • Flexibility lets you set up a loan program that works best for your unique business needs

Take Care of Immediate Needs

  • Cover costs such as an unexpected equipment repair or a higher than expected tax bills, short term loans allow you to take on unforeseen circumstances
  • Use short term loans to set your business up now for long-term success in the future with upgrades to your business

How to Apply

Short term business loans from National Funding make the online application and approval process easier than ever.

Applying for short term business lending is simple. After you fill out a simple online application, we’ll reach out to you to learn more about your business, your resources, and your needs. Together, we can create a loan program and business loan terms designed to fit your company needs in terms of coverage and payment timelines. Apply today to get your process started.

How Do Short Term Business Loans Work?

Easy Application Process

Get started applying for a 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 business capital financing.

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

Ron Beatty

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 when it comes to short term loans. Experienced Loan Specialists will guide you every step of the way and answer your funding questions. And, our process makes getting the money you need to cover business expenses easy and simple.

We Know Your Industry

We have experience helping a wide variety of business owners secure the right financing solution through a variety of short term loans. Our business loans aren’t designed as one size fits all. We understand that different stages of business and industries have different needs. Even within an industry, no two businesses are the same. That’s why we provide a short term business loan that is customized for you.

Simple, Fast Application Process

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

A Trusted Lending Partner

Supporting 50,000 businesses nationwide with over $3 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

Short Term Business Loans Resources

Financing the immediate needs of your business might seem complicated. We want to make sure you’re comfortable applying for a small business short term loan. Below, we’ve compiled some of the most important things you need to know when considering a short term loan.

How Do Daily Loan Repayments Work?

How Do Daily Loan Repayments Work?

While most long-term business financing is set up for monthly payments, some short term loans require a daily loan payment. Learn more about how a short term loan with daily repayments works.

Read More

4 Myths About Short-Term Loans for Small Business Owners

4 Myths About Short-Term Loans for Small Business Owners

You may have heard some things about short-term loans for businesses. This post will help dispel some common myths that surround short-term financing. Take a look to learn more about how short-term loans can actually help your business.

Read More

5 Internal Business Metrics Every Owner Should Measure Weekly

5 Internal Business Metrics Every Owner Should Measure Weekly

When considering a short term loan, it’s important to know where your business stands financially. You can monitor the health of your business by frequently checking on these 5 key metrics. Read this post to learn more about checking your business health weekly.

Read More

FAQ: Short Term Business Loans

Wondering how short term loans work or how they can help your business? Most business owners are a little unsure about receiving a short term loan. To help you better understand how the money from short term loans can help your business, we’ve put together some common questions people often ask.

How do I get short term business loans?

Applying for a short term loan is almost always easier than getting a long-term business loan. At National Funding, we’ll help you find the right short term loans for your business with a customized loan solution. Simply fill out our easy online application to get started.

Contrary to what many business owners believe, there are short term loans available for businesses with poor credit. In fact, a short term loan could actually help you raise your credit score while avoiding excess interest payments.

Yes! In a good way. A short term loan can help improve your credit score over time. As long as you make your payments on time and pay off your loan according to schedule, you’ll likely see your credit score rise.

Short term loans typically range from 6 to 18 months. This short term and fast financing solution is a great fit for those who don’t want a long-term commitment to loan payments. This is also great for those who need financial assistance for a short period of time due to unexpected expenses or a slow season. Whatever your financial needs are, we are here to help you find the right loan for your business. Simply apply online to start the loan approval process and we’ll contact you shortly to discuss your business needs, whether that be short term, or longer.

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.


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.