Lender review
National Funding Business Loans, Reviewed
A San Diego based direct lender since 1999, offering working capital and equipment financing with funding in as little as 24 hours.
Lender review
A San Diego based direct lender since 1999, offering working capital and equipment financing with funding in as little as 24 hours.
National Funding has funded more than 75,000 businesses since 1999 and carries an A+ rating with the Better Business Bureau. It keeps its lineup focused on working capital, equipment financing, and a line of credit, all reachable without collateral on the working capital product, though a $250,000 annual revenue floor and a credit score generally in the 600s put it a step above the most accessible lenders on this network.
National Funding directly funds working capital loans, equipment financing, and a business line of credit, all reachable through one online application.
National Funding has been in business since 1999, which shows up in how it underwrites: rather than a single hard cutoff, it weighs revenue, time in business, and cash flow alongside your credit score, and a dedicated funding specialist walks you through which product fits before you commit.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
One application is evaluated against National Funding’s three core products, with a funding specialist helping you choose the right fit.
| Working capital / short term business loan | Funding up to $500,000 with no collateral required, repaid on a fixed schedule. Requires at least 6 months in business and $250,000 in annual revenue. |
| Equipment financing | Funding to purchase equipment, secured by the equipment itself. Requires at least 2 years in business and a minimum credit score around 600. |
| Business line of credit | Revolving access to funds you can draw against as needed, sized to your revenue and credit profile. |
Rate, term, and amount figures are set per applicant during underwriting.
National Funding does not publish a single hard credit cutoff, but its published criteria and third party reviews point to a consistent bar.
National Funding states that credit is one factor among several rather than a strict minimum, but most third party reviews report a practical floor around 600 to 660 for approval.
Working capital loans require at least 6 months of operating history. Equipment financing requires at least 2 years.
National Funding looks for at least $250,000 in annual revenue for its working capital loans, verified through a business bank account.
Expect to provide business bank statements as part of the application. National Funding may run a soft credit inquiry during initial review, which does not affect your credit score.
The application runs online, and National Funding pairs you with a dedicated funding specialist who evaluates your financials against its products.
Submit National Funding’s application with your basic business and financial information.
A dedicated specialist reviews your file against National Funding’s products and recommends a fit.
Once approved and documentation is complete, funds can arrive within 24 hours.
You do not need to pledge a specific business asset to qualify for National Funding’s core product.
Approved businesses can see funds within 24 hours of accepting an offer.
An early payment discount replaces the prepayment penalty many lenders charge.
You work with one person who evaluates your needs rather than a purely automated decision.
Founded in 1999, National Funding has funded more than 75,000 businesses and holds an A+ BBB rating.
You will need to apply to see actual pricing, which makes it harder to comparison shop before committing.
2 years in business is a meaningfully higher bar than the 6 months required for working capital loans.
The $250,000 annual revenue minimum rules out many smaller or newer businesses.
Yes. National Funding directly funds its working capital loans, equipment financing, and business line of credit.
National Funding does not publish a strict minimum, weighing revenue and cash flow alongside credit score, but a practical floor around 600 to 660 is typical based on third party reviews.
Approved businesses can see funds within 24 hours of accepting an offer.
National Funding offers working capital loans, equipment financing, and a business line of credit.
National Funding looks for at least 6 months in business and at least $250,000 in annual revenue for its working capital loans, with equipment financing requiring 2 years in business.
National Funding may run a soft credit inquiry during initial review, which does not affect your credit score.
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