Get the Cash You Need with a Working Capital Loan

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., 9820 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 Working Capital Loans Can Work for You

We understand there are everyday changes in operating your business,
and how having available cash can be an important solution.
We can help by providing access to working capital that you can use however you see fit.

Hire More Staff

• Build the headcount to support business growth
• Ensure payroll is covered

Finance New Equipment

• Support important capital expenditures
• Put necessary equipment in place for the long-term

Add Inventory

• Produce new items to drive revenue
• Support increased demand during key selling seasons

Manage Cash Flow

• Maintain daily operations even through cash flow gaps
• Continue to work seamlessly during seasonal lulls

How to Apply

The process is simple when you want to apply for a working capital loan.
You can get started right away if you have $100,000 in annual sales
and have been in business for at least one year.

How Does a Working Capital Loan Work?

Easy Application Process

With 3 months of bank statements as support, you can get started with our simple online forms.

Helpful Loan Guidance

A Loan Specialist will contact you to help you choose the right working capital loan and payment options.

Quick Decision, Fast Funding

You’ll find out if your application has been approved (and funds will be deposited into your account) in as few as 24 hours1.

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?

Nobody provides a more personalized approach, with experienced Loan Specialists to guide you
every step of the way and an easy process to make obtaining working capital loans simple and stress free.

We Know Your Industry

Experience helping a variety of small business owners secure the right working capital loans

Simple, Fast Application Process

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

A Trusted Lending Partner

Supporting 45,000 businesses nationwide with over $2 billion in funding

Dedicated Loan Specialists

Our Loan Specialists care about your success and guide you to the right working capital loan

High Approval Rates

Even if you’ve been turned down elsewhere, there’s still a great chance we can get you a working capital loan

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments

Small Business Resources

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

What Is a Working Capital Loan?

What Is a Working Capital Loan?

Working capital is the money you have on hand for your business’ daily needs. Sometimes, however, you’re waiting for receivables and suddenly money is tight. A working capital loan may be a good solution. Check out this blog on the ins and outs of small business working capital loans. With a working capital loan, 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

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

When you’re deciding how to use working capital, you should consider both the things you need to keep your business running and ways to promote the growth of your business. By knowing how you wish to use working 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

How to Extend the Life of Your Small Business Marketing Campaign

How to Extend the Life of Your Small Business Marketing Campaign

You’ve come up with the perfect marketing campaign for your business and you’re seeing great results. What happens when your allocated money for the campaign runs out? Unfortunately, the success of the campaign might come to an untimely end if resources dry up. This blog post shows you how a working capital loan can help you extend the life and success of your marketing campaign.

Read More

What Should I do with This Year’s Profit?

What Should I do with This Year’s Profit?

As you look over your yearly, quarterly, or monthly business financials, you notice exciting information: your business has secured great profits! Deciding how to use this money, from purchasing new equipment to saving it for a slow period, is a big decision. You might even look at working capital business loans to take your business to the next level. Check out this post to help you look at different options for when your business is profitable.

Read More

FAQ: Working Capital Loans

Getting cash to put towards business expenses can be confusing. You have to consider
what avenue works best to secure funding for your business. Lots of business owners
just like you have questions about working capital business loans. Below are some
of the most common questions business owners have about getting a working capital loan.

Is it hard to get a working capital loan?

Many business owners assume getting a working capital loan is a long, drawn-out process. Luckily, it doesn’t have to be that way! Alternative lenders like National Funding provide working capital loans for small businesses with easy online applications and quick response times. In fact, you could see your working capital loan approved in as little as 24 hours1.

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

Your business’ working capital can give you a great snapshot of how well you are using business resources. If you have a lot of assets, including cash, inventory and accounts receivable, and only a few liabilities, your business is probably in a good place financially. Of course, working capital doesn’t just include cash. Sometimes 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 a working capital loan can help your business bridge the gap between cash on hand and expected receivables.

You can finance your business’ working capital with a working capital loan. Working capital loans basically give your business the cash it needs now to purchase inventory, pay invoices or continue a marketing campaign. By financing working capital, your business can get what it needs to grow and thrive right now.

Ratings & Reviews

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

Disclosures

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) 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.

 

(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.