We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure
National Funding

National Funding Reviews


bestfor-icon Fast and efficient loan application process

Written by Andrew Omalley

About National Funding | Read More


LS Score







Visit Site
Opening Hours Opening Hours drop-down-btn
Mon-Fri 7:30am to 4:30pm PT
Sat-Sun Closed
Contact Information Contact Information drop-down-btn
  • apply@nationalfunding.com
  • (800)-294-1702
  • Headquarters: 9530 Towne Centre Drive San Diego, California 92121
Social Media Social Media drop-down-btn

National Funding Business Loans Review

The main types of business loans you can get through National Funding are equipment financing, working capital, short-term small business loans. You can get quick approval for applications through this lender, as well as fast funding times. It has a stellar reputation in the lending space for being a very reputable party to deal with.

National Funding Business Loans Highlight


Min Credit Score

Min 4.99%

APR. Fixed Rate


Loan Amount

4-60 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

24 Hours

Funding Time


Annual Revenue

12+ Months

Time in Business

Pros & Cons

  • con-icon Quick approval time
  • con-icon Fast time to funding
  • con-icon Good track record
  • con-icon Flexible repayment options
  • con-icon No transparency on rates
  • con-icon Additional fees sometimes necessary

Business Loan Types

  • SBA Loans
  • Business Term Loan
  • Equipment Financing
  • Term loans
  • Short-Term Business Loan

National Funding Business Loans Terms & Requirements

National Funding offers business loans for: equipment financing, working capital, and short-term small business loans. First and foremost qualifying event is businesses need $250K in Annual Gross Revenue. You will usually need to be in business for at least 6 months and have a credit score of at least 650 in order to proceed. There are also certain revenue requirements you need to meet. 

National Funding has very flexible repayment terms, with discounts usually available if you repay your loan early. No collateral is going to be necessary in most cases. National Funding is not overly transparent with its fee structure and its rates. National Funding has no additional fees sometimes necessary, and borrowers know all costs before signing anything. 

Qualification Requirements

  • Need $250K in Annual Gross Revenue
  • Monthly Revenue: $25,000
  • No collateral necessary
  • Minimum 650 credit score required
  • Minimum time in business: 1 year 

Required Information

  • Three months bank statements
  • Copy of government issued ID
  • Voided business check

Application Steps & Time Frames

There is a very simple process in place when you are looking to apply for a business loan through National Funding. It can all be done online or over the phone if you prefer. There is a short online form you need to initially complete. It will ask for soe basic info, such as your annual revenue and total years in business.

You will then be able to get a quote of what sort of loan you can expect with the corresponding rates. If you wish to proceed, you are able to submit a full application. A loan specialist will usually contact you at this point to help walk you through the application process.

Certain documents will need or be provided, such as bank statements. You will often get a call from someone at National Funding to verify certain aspects of your application. Then it will often take a few hours to approve your application. Time to funding can then occur within a single business day.

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



Does National Funding have a good track record of providing business loans in the US?

Yes, National Funding has been providing loans since 1999. It has funded more than $4.5 billion worth of loans, dealing with more than 75,000 businesses.

What is the most you can borrow through National Funding?

The typical max loan amount available with National Funding is $500,000.

How quick can you get access to borrowed funds from National Funding?

You can often get your hands on borrowed funds in as little as 24 hours through National Funding.

Customer Support

There is a help center in place at National Funding that can answer many burning questions you might have. If you cannot find a solution there, you can contact the support team. The lines will be open five days a week for telephone calls.

Privacy & Security

With an A+ rating at the Better Business Bureau (BBB), National Funding has a positive reputation in the lending business and has helped originate over $2.5 billion in loans to over 40,000 business owners.

With National Funding, your information is not for sale. According to their privacy policy, they don’t sell, share, or trade borrowers’ information with third parties without their consent.

In Conclusion

National Funding is one of the very best providers of business loans in the US today. It has a stellar reputation for treating borrowers the right way. While it can be a bit guarded with certain information, like loan terms, it generally offers fair loan products with quick application times.

Brand Disclaimer

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.

 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.