National Funding Review
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National Funding Reviews

Andrew Omalley


Andrew Omalley

Fast and efficient loan application process
Fast and efficient loan application process
About National Funding

National Funding has a very good track record in the business loans space, having catered to owners since 1999. The California-based business has constantly grown for strength to strength.

It is now one of the largest providers of business loans in the US. National Funding is somewhat stricter with its loan requirements than many other lenders in the space today. However, it does have a lot of great perks, including a fast application process and quick time to funding.









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 Highlights


$5,000 - $500,000


2-24 months


24 hours


6 months















Pros & Cons

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

Business Loans Type

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

National Funding Business Loans Terms & Requirements

The main types of business loans that National Funding offers are equipment financing, working capital, and short-term small business loans. You will usually need to be in business for at least 6 months and have a credit score of at least 600 in order to proceed. There are also certain revenue requirements you need to meet.

National Funding has some very flexible repayment terms, with discounts usually being 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.

How to Apply

National Funding Business Loans Review Simplified
Step 1

Online contact form

Qualification Requirements

  • No collateral necessary
  • Minimum 600 credit score required
  • 6+ months in business

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

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.

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.

Phone Support
7:30am to 4:30pm PT

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.


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.

National Funding 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.


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Andrew Omalley

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.