Minority-Owned Business Loans

Find success with minority business loans

National Funding Card National Funding Card

Have Your National Funding Card? Get Started.

Ready To Move Your Business Forward?

Fields marked with an * are required

The estimated sales your business generated in the last 12 months.

What's This?

Click your estimated annual gross sales

By clicking this box, I agree to National Funding’s Privacy Policy.
By continuing I agree to all terms and conditions

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.

What qualifies as a Minority Business?

Many minority business loans and grants are dependent upon specific qualifications or thorough business plans. With National funding, this isn’t an issue. As an alternative lender, we’re happy to look out for underserved small businesses and support them as they grow. From racial minorities to small business loans for women, when it comes to special qualifications or applications, you are already set. 

How Small Business Loans for Minorities Work for You

Like all entrepreneurs, minority business owners must contend with a constantly fluctuating market and day-to-day financial obligations. Between purchasing new inventory, expanding staff and moving into different premises – running a business takes money, and oftentimes, that means it requires borrowing. Fortunately, owners seeking a path to business development through minority business loans can turn to National Funding. We want every business owner to have the chance to flourish.

Access to Working Capital

  • Cover unexpected expenses like tax bills or repair costs
  • Pay recurring costs like rent, payroll and utilities

Grow Your Business

  • Use funds for new marketing campaigns to accomplish your goals
  • Reach out to the community through advertising efforts

Easy Application and Approval

  • Quick online loan application with minimal documentation required
  • Higher rate of approval than traditional lenders

Take Advantage of Opportunities

  • Put money down on a new location without digging into cash reserves
  • Hire additional employees for the support you need during busy periods

Small Business Loans for Minorities

Minority Business Loans

Small Business Loans

Secure working capital
for inventory, payroll, marketing,
taxes and more.

$5,000 to $500,000

Learn More

Equipment Financing and Leasing

Equipment Financing
and Leasing

Purchase or lease new
or used equipment.

Up to $150,000

Learn More

How to Apply

Applying for a minority business loan has never been easier. If you have $100,000 in annual sales and just one year in business under your belt, the process is simple.

How to Apply

How to Apply

What Customers Are Saying

Joann Johnson

Joann Johnson, Owner/COO

JoChas Moving & Delivery

I went to our bank for a loan, but they wouldn’t give us a chance. National Funding was willing to take a risk. Our first financing was very easy. They needed 3 months of bank statements and our income tax return, and the next thing I knew, they said ‘Joann, what account do you want your funds to go into?’ It was even easier the second time.

Why National Funding?

From working capital loans to equipment financing options, minority business owners are sure to find a funding solution that is suited to their needs. Minority businesses loans at National Funding are easier to qualify for since we focus far less on credit scores and business plans than other lenders. We look at you as the business owner, and your potential, more than we look at old number figures. We also know that business owners are pressed for time, which is why we make those applications short and straightforward. Our easy, one-page application features no obligations on the part of the borrower. Plus, you can count on quick approvals for qualified borrowers.

We Know Minority-Owned Businesses

Experience supporting minority business owners and other small businesses

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 businesses nationwide

Personalized Experience

Lending solutions and payment options tailored to your specific business development needs

Fast & Easy Application Process

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

Loan Specialists Who Care

Experienced Loan Specialists help you make the right financial decision

Worry-Free Lending

No collateral requirements, plus simple, automatic payments

What Are the Options for Minority Business Owners?

There are a variety of options when it comes to minority business loans, each with advantages and disadvantages. Certain SBA loans are built for minority businesses and aim to help underserved communities. The main difference between those and loans from National Funding is qualification requirements. The government often tries to avoid risk and prefers to lend to those with high credit scores. At National Funding, we help minority business owners who may have trouble gaining the funding they need elsewhere. We don’t mind a little risk and are happy to help businesses, even those with lower credit scores. Our small business loans for minorities are here to serve you!

Resources for Minority-Owned Businesses

Get the information you need to run your small business more efficiently. Check out these articles for helpful tips and resources on minority business loans, equipment leasing, and more.

Latino Small Business Owners Have Difficulty Securing Funding

Latino Small Business Owners Have Difficulty Securing Funding

Even with Latino-owned businesses on the rise, many owners are finding it difficult to get a business loan. In order to meet this crucial need, see what some business owners are doing instead.

Read More

6 Best Resources for Minority-Owned Businesses

6 Best Resources for Minority-Owned Businesses

No one should have to operate with an unfair disadvantage. Learn how you can use the resources available to you to successfully run your business. This post covers getting funding through grants and loans, as well as networking and connecting with media contacts. Use these tips to help you take advantage of useful resources and manage your business more efficiently.

Read More

FAQ: Minority-Owned Business Loans

Do you have questions about business finances or business loans for minorities? You’re not alone. We’ve collected common questions from minority business owners like you.

You can use business loan funds for almost anything your business needs. This includes everyday expenses like payroll or office supplies. It also includes larger purchases like a lease on a new storefront. The possibilities are endless.

No, with National Funding you don’t need to show us your business plan to get approved for a loan. We look at how your business is doing and where you’re headed to determine if you qualify. Just fill out our easy one-page application and you could receive funding in as few as 24 hours.1

Can I get a loan with bad credit?

Business owners with less than perfect credit are often worried about finding financing for their business. Traditional lenders often require a high credit score to even be considered for a loan. Luckily, with alternative lenders there are plenty of options for minority business loans with bad credit.

Ratings & Reviews

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


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.