Working Capital Loans for Small Business

A simple application process and fast funding mean you’ll have working capital sooner


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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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What is a Working Capital Loan?

A working capital loan is a loan that businesses can take to finance their everyday operations. Instead of buying long term assets or investments, these loans provide working capital to cover businesses’ short term operational needs.

How a Working Capital Loan Can Work for You

A working capital loan is a loan used to finance everyday financial operations for small businesses that are lacking current cash flow. Working capital loans are used for short-term needs rather than long-term needs, assets, or investments for any given business. This loan type is used to sustain business growth on a daily basis to help you visualize long-term success.

Every business should have cash on hand to cover both planned and unexpected expenses. Cash reserves help cover the everyday fluctuations faced by your business. For those who don’t have the cash flow for everyday expenses, or have a predictable revenue stream, we offer working capital loans as a lifeline to give you access to cash when you need it most.

Hire More Staff

• Hire new employees to support your business growth
• Make sure payroll is covered so your workers are paid on time

Finance Equipment

• Replace outdated equipment with newer models for your business
• Cover the cost of equipment maintenance or repairs

Add Inventory

• Introduce new items, product lines, or services to drive revenue for your business
• Stock more best-selling items during your busy selling seasons

Manage Cash Flow

• Maintain daily operations even through gaps in cash flow
• Continue running your business seamlessly during seasonal lulls

How to Get a Working Capital Loan

Applying for a working capital loan is simple with National Funding. We'll connect you with a dedicated Loan Specialist to help you understand your options. Apply online or connect with a specialist over the phone.

How Does a Working Capital Loan Work?

Easy Application Process

Get started applying for a small business working capital 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 financing option for your business.

Quick Decision, Fast Funding

If you qualify, your loan could be approved in as little as 24 hours.1

What are the Benefits of Working Capital Loans?

A working capital loan is the quickest and easiest way for small businesses to receive the lines of funding they need to achieve their full business potential. When businesses don’t have the funding for current expenses, a working capital loan can help make up the financial shortcomings until the business is stable. These funds can go towards whichever expenses need immediate attention to help you grow your business.

Be Better Prepared for the Future with More Capital

While the saying may be ‘business isn’t personal,’ we know small business owners take pride in their companies, and that business truly is personal.

Businesses that are prepared for current financial payments are better prepared for the future growth of their business. For businesses to see long-term success, business owners need to make sure they have the cash flow to keep their business afloat. Without this preparation, businesses will run into late payments, decreased credit scores, and higher interest rates on business loans and future credit lines. By applying for a working capital loan, it will help you with a shortage of short-term financial resources when your business needs it most. Small business capital could make all the difference in the success of your company, and we want to help.

Maintain Ownership of Your Business

Traditional equity investors likely require you to give up a percentage of your business in return for funding, which gives some of the ownership power to the investor. With a working capital loan from a bank or a financial institution like National Funding, you continue to hold ownership over your business and are only required to make the payments that are agreed upon — all with new, working capital.

Working Capital Loans With No Collateral Required

Some small business working capital loans require collateral of some sort, but we provide working capital without collateral. Business owners can maintain ownership of their assets while taking out a working capital loan, even when funding needs are imperative. When applying for a working capital loan, we look at the current status of your business which helps us determine the loan amount that suits your business.

Provides Financial Flexibility

A working capital loan can be used how you personally see fit for your business, no strings attached. Working capital loans can be used for paying employees, purchasing equipment, paying bills, and more. No matter the financial needs, receiving a working capital loans for your company allows financial flexibility to help you with your business needs.

What Customers Are Saying

Cheryl Dailey

Cheryl Dailey, Owner

Master Handyman, LLC

Focusing its business on providing handyman services to commercial enterprises in Cleveland, Master Handyman looked to secure a working capital loan to cover key expenses and allow them to hire new staff to foster growth. They wanted “real employees, not just day laborers”, and working with National Funding gave them the cash resource they needed to make it happen.

Craig Hart

Craig Hart, President

Smyth Electrical Services

As the business entered a period of expansion, having the reliability of available cash was critical to alleviating the stresses that growth can cause. Being able to rely on National Funding's small business loans was the peace of mind that helped the head of this small business rest easy.

Why National Funding?

We have experience helping a wide variety of business owners secure the right financing solution — funding for any company

We Know Your Industry

We have experience helping a wide variety of business owners secure the right financing solution — funding for any company

Simple, Fast Application Process

No-cost, no-obligation application with funding as fast as 24 hours1 — the way it should be for working capital loans for small businesses

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, guiding you to a personalized 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

For any business capital, we provide fixed terms and set up simple, automatic payments

Working Capital Loans Resources

A personal loan can help your business reach new milestones. You know you can use loan funds for inventory purchases or to pay an unexpected tax bill. Working capital loans can also allow you to explore new marketing avenues or upgrade outdated sales software. Explore the resources below to learn more about how business funding can help you succeed.

What Is a Working Capital Loan?

What Is a Working Capital Loan?

A working capital loan adds to the money you have on hand for your business’ daily needs. Funds from a working capital loan can go toward things like payroll, rent, inventory, etc. Sometimes, you’re waiting for receivables and suddenly money is tight, and a personal business loan may be a good solution.

Check out this blog on the ins and outs of loans for cash reserves. With business financing, you can make your money work for you, and not the other way around.

Read More

Small Business Working Capital: How It Can Fuel Operations and Growth

Business Cash Reserves: How It Can Fuel Operations and Growth

There's a lot to consider when deciding how to use business funds for your company. You need cash to keep your business running and pay vendors. However, it's also important to look at the future of your business and think about investing in potential growth opportunities. By knowing how you wish to use business capital, you can begin to calculate how much you might need to reach your business goals. This article can help you learn how to determine your working capital needs.

Read More

FAQ: Working Capital Loans

Finding the cash your business needs to pay bills or take on the competition isn't always straightforward. Like most business owners, you probably have questions about loans and financing options. We put together some of the most common questions about working capital loans to help you get the answers you need.

Is it hard to get a working capital loan?

Many small business owners assume getting capital loans is a long, drawn-out process. Luckily, it doesn’t have to be that way! Alternative lenders like National Funding provide loans for businesses with easy online applications and quick response times. In fact, you could see your loan application approved in as little as 24 hours.1.

Most definitions of working capital include cash. This is because business capital is your current assets minus your current liabilities. Cash, like the money you get from a loan, plays an important role in running the current operations of your business.

Your business’ cash reserves and assets can give you a great snapshot of how well you are using business resources. If your business has a lot of assets, including cash, inventory, and accounts receivable, with only a few liabilities, your business is probably in a good place financially. Sometimes, however, you have to wait for a customer to pay an invoice or you need to purchase new inventory and don’t have the cash. That’s where financing solutions can help your business bridge the gap between cash on hand and expected receivables.

It might sound counterintuitive, but securing a business loan while sales are up could be a smart move financially. Your working capital loan can be used for more than just overdue bills. For example, your restaurant is packed every night, and you have to turn customers away because you're too busy. You decide to move to a new location but to afford the new spot, you'll need extra cash. You could use a loan to help cover the costs of the move, including hiring more servers and installing kitchen equipment. At any point, allow our trustworthy lenders to help you obtain a working capital loan — even if your business is doing well.

A term loan is a long-term loan for funding large capital assets. Working capital is meant to provide you with funding to cover everyday business expenses and operations during a slow season or tight time, while a term loan is used for a longer amount of time and may be planned further in advance. This contrasts with working capital loans which are borrowed for a shorter term and are for operational costs rather than investing in capital assets.

You can apply for a working capital loan by filling out an application form with basic financial information about your business. Apply for a personal, working capital loan from National Funding here.

Ratings & Reviews

With over 20 years of experience help business owners, National Funding can find the right financing solution for you.


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.