What is National Funding XPRS?
A product of National Funding, XPRS offers business owners streamlined access to up to $50K without the hurdles of traditional lending.
Flexible Terms
Choose a term of 6, 9, or 12 months.
Fully Digital Experience
Apply, get funded, and manage your account online.
Next-Day Funding
See funds deposited in your account in as few as 24 hours.
No Pre-Payment Penalties
Pay in full anytime without any charges or fees.
Fast
The application process is easy and completely digital - receive a decision within minutes.
Flexible
Choose the term, payment frequency, and financing amount that are right for you. Then draw what your business needs, up to your approved Maximum Financing Amount.
Transparent
We make understanding your financing options simple, so you can focus on running your business.
Are we a good fit? Check our requirements
in business
Excellent Credit
from a vendor
How you can use the funding
Grow your business
Ready to take your business to the next level? We can help you buy equipment, hire staff, expand to a new location, and more.
Manage cash flow
When business is anything but predictable, we can help you quickly boost cash flow, cover payroll, buy inventory, and more.
The capital you need and the process you deserve
We value your time. That’s why National Funding XPRS makes it fast, easy, and transparent to obtain the financing you need to help your business succeed.
Fully online experience
With a digital application, approval process, and account management tools, we’ve streamlined the process of obtaining and managing your business financing.
Zero credit risk to apply
We’re committed to offering a lending experience that works for you. That starts with transparency and making sure the credit score you’ve built is protected.
Frequently Asked Questions
National Funding XPRS provides small businesses with fast and easy access to short-term financing. Upon approval for an account, you will be provided with the Maximum Financing Amount5 for which your business is eligible, up to $50,000.2 You will be able to select key terms of your initial financing, including frequency of repayment, duration (up to 12 months), and funding amount. Funds will be deposited into your primary business bank account as soon as the next business day.3
You can request additional funding anytime, so long as the total amount of your financing does not exceed the unused portion of your Maximum Financing Amount. Access your National Funding XPRS account anytime by visiting the customer portal. Once logged in, you can review your account history, manage existing financing, make a payment, or request additional funding.
In most states, National Funding XPRS offers business loans that can help fund day-to-day operations, equipment purchases, or new business opportunities. The loan is repaid through a series of equal installments debited from your bank account. Each installment is applied to the repayment of principal plus a fee. Payment is debited from your primary business bank account each period as selected by you (monthly, biweekly, or weekly).
In some states, National Funding XPRS offers sales-based financing, whereby National Funding XPRS provides capital as an advance on future revenue. Each remittance is debited from your primary business bank account in the same amount each period as selected by you (monthly, biweekly, or weekly).
To be eligible for an account, you need to have:
- Been in business for at least one year
- Minimum annual revenue of $125,000
- A good to excellent credit score
- A business bank account
- At least 18 years of age6
National Funding XPRS financing is available to businesses across most industries. Excluded industries include, but are not limited to, nonprofit organizations, weapons manufacturers and dealers, gambling businesses, smoke shops, cannabis purveyors, and pornography. If you’re not sure if your business is eligible, email us at support-xprs@nationalfunding.com.
National Funding XPRS business loans require a personal guaranty or an unconditional guarantee of payment.
National Funding XPRS sales-based financing requires a Personal Performance Guarantee, which is a personal guarantee that the business will not breach certain performance obligations.
