Small Business Working Capital Loans
Every business owner knows that working capital is the lifeblood of a business. It’s money for inventory, bill consolidation, advertising, expansion, taxes and a host of other reasons. Many of today’s small business owners use their cash on-hand to reinvest in their day-to-day operations. With a working capital loan from National Funding, you can have extra cash to do even more.
Whether it’s expanding or improving your current business, investing in advertising, or tying-up existing “loose ends” like taxes or outstanding debt, the extra cash can be just the solution you need. National Funding can get your business from $5,000 to $500,000 quickly and with a minimum of paperwork.
Cash You Can Count On from $5,000 to $500,000
Working capital loans can help you pay operational costs, such as rent, payroll and debt payments. Learn how a working capital loan might be the solution for your small business.
Find Out How Much Funding You Qualify For
Working Capital Business Loans
When others say no .... National Funding says YES!
National Funding is a direct lender, which means there’s no middleman. We offer the flexibility to create small business loans with terms that meet your specific needs as a borrower. Our high approval rates mean that we can say ‘yes’ when traditional lenders say no. You’ll get a dedicated Loan Specialist who has specific knowledge about your industry and will provide you one-on-one personalized service.
There is no obligation to get started, and no need for collateral or a down payment. Click or call and receive a quick decision and funding in as little as 24 hours.1
Loans from $5,000 to $500,000
No collateral required, bad credit and poor FICO scores
Easy, no cost, no obligation application
Automatic payments & renewable source of capital
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) Huge potential tax savings:
Section 179 tax deduction is a lucrative and important tax break that has been made permanent across the board, under the Protecting America from Tax Hikes Act (PATH Act). In most cases, the IRS allows your equipment lease or loan payments to be 100% tax deductible! You can secure the equipment, tools, and technology that you need, while also taking advantage of significant tax deductions — up to $500,000. 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.
Ratings & Reviews
We are very proud of what our customers are saying on Trustpilot
National Funding Can Help You With A Working Capital Loan Today
We’ve made your business, our business by providing thousands of working capital loans to small and midsize companies in every state in the country. National Funding has eliminated the tedious paperwork that you’ve had to supply in the past. We would rather spend our time customizing a small business loan to your specific requirements.
- We can get you approved fast — in as few as 24 hours1 — and often the same day. And we can get you cash from $5,000 up to $500,000.
- How you use the money is up to you. Getting you the money is what we do. And we do it better – and faster - than anyone else.
- All we need is a 1-page application and 3 months of your bank statements.
- Because we debit the payments from your checking account, there are no invoices and never a check to write.
Whether you have good credit, bad credit, tax liens, or have been rejected by banks, National Funding is here to help you get the working capital your business needs.
Apply Now and see what a working capital loan from National Funding can do for your business.