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Business Loans

We make getting loans fast,
personalized and easy.

Ready To Move Your Business Forward?

Click your annual gross sales 
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coffee-shop-business-owner-hero

Business Loans

We make getting loans fast,
personalized and easy.

Ready To Move Your Business Forward?

Click your annual gross sales 
Better Business Bureau, A+
By continuing I agree to all 

Why a Business Loan Can Be a Smart Option

There’s more to a business loan than meets the eye. More than a line on your credit report, it’s also a smart investment in your business’ future. The best business loans fuel growth for your business without any hassle, so you have financial flexibility for your daily operations. A loan helps you cover expenses that not only keep your business running but can help you grow and expand. Whether you need to hire more employees or a short-term cash infusion to cover taxes, National Funding can help you determine the right financing solution for your business.

Cover Capital Expenditures icon

Cover Capital Expenditures

Update equipment, improve facilities and add critical growth elements so that your business can move forward.
Grow Your Business icon

Grow Your Business

Purchase inventory, support marketing efforts, open a new location or bring on new team members
Pay Bills icon

Pay Bills

Make sure bills, taxes, and vendors are paid on time so you’re not facing overdue notices
Keep Cash Available icon

Keep Cash Available

Maintain working capital reserves to cover planned growth or unexpected needs
Protect Personal Finances icon

Protect Personal Finances

Keep complications from personal loans out of your business
Maintain Independence icon

Maintain Independence

Avoid giving up control of your business to equity partners or other funding sources
6 months
in business
Fair to
Excellent Credit
Equipment quote
from a vendor
PreviousNext
6 months
in business
Fair to
Excellent Credit
Equipment quote
from a vendor

How to Apply

Securing the funds you need to keep your business running smoothly is simple with National Funding. Our application process is quick, easy, and secure. It takes just minutes to apply and National Funding uses highly secure systems in order to protect applicants’ information.

After applying, one of our friendly Funding Specialists will connect with you so we can learn more about you and your business. Your Funding Specialist can help answer any questions you have about the loan process and help you discover which loan is the right fit for your business and financial needs. Our high approval rates and fast decisions make it easy to get back to what you do best – running your business.

How to Apply steps
or call

888.733.2383

How Do National Funding's Business Loans Work?

Unlike many traditional lenders, National Funding provides customized financing solutions for your business. We take the time to talk to you and get to know you, instead of only looking at your financial history or credit score. Our process makes it easy to get the funding your business needs to keep moving forward.

Why National Funding?

With National Funding, you’ll enjoy a friendly and customized approach that makes obtaining a business loan simple and stress-free.

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Fast & Easy Application Process

Fast & Easy Application Process

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

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments3

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Fast & Easy Application Process

Fast & Easy Application Process

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

Personalized Experience

Personalized Experience

Lending solutions and payment options tailored to your specific needs

Funding Specialists Who Care

Funding Specialists Who Care

Experienced Funding Specialists help you make the right decision

Worry-Free Lending

Worry-Free Lending

No collateral requirements, plus simple, automatic payments3

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments3

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National Funding Customers: In Their Own Words

Hear from a few of our successful business owners about the ease of getting business loans and how they put the money to work for their business.

JoChas Moving & Delivery - Joann Johnson's Story

Joann Johnson, Owner

JoChas Moving & Delivery

When a family of former NFL players wanted to move its business to the big leagues, they wanted a funding partner that provided a caring, personalized approach to small business financing. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

FAQ: Business Loans

Securing a business loan can be challenging to navigate if you don’t know the ropes. As a business owner, you’ve got better things to do than spend weeks learning the intricate details of lending. That’s where we can help. At National Funding, we know you’re busy, so we make it easy to understand your financing options. Get the answers you need now by looking through our most frequently asked questions about business financing.

How do National Funding’s business loans work?
National Funding is an alternative lender, which means we work with you, the business owner. Our process reduces the amount of time it takes to review your business loan application. When you apply for a loan, our team reviews it instead of sending it to a third party. We’ll help you find the right financing for your business. If approved, we’ll get your funds to you fast.
How can I apply for a business loan with National Funding? How much of a business loan can I get?
You can apply online with just a few simple steps. We won’t make you fill out books of paperwork or mail in your application. You can even complete our online application right from your mobile phone. Apply for a loan from $5,000 all the way up to $500,000 with no collateral required.
How quickly can I receive funds after applying for a business loan?
With a traditional lender, the application process can take weeks. Then, if you are approved, you’ll probably wait another several weeks for your loan funds to come through. On the other hand, alternative lenders like National Funding make it easy to apply and get your loan decision fast. We pride ourselves on giving you a quick decision on your application. If approved, you could have your loan funds in as few as 24 hours1.
Do I need collateral for a business loan?
Business loans from National Funding don’t require collateral or a down payment to get the funds your business needs. Apply today and we’ll help you find a customized financing solution that’s tailored to your business with no down payment and no collateral needed.

Ratings & Reviews

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

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855.888.4425

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© 2024 National Funding
Terms & ConditionsPrivacy PolicyDisclosures

Products offered by National Funding Inc. and affiliates are business products only. The products may be provided by third parties and subject to lender approval. In California, products made or arranged pursuant to a California Financing Law License. License #: 603A169

  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. Early payment discount amounts and details will be provided prior to acceptance of terms and funding. 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: Business product payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
  4. Wide variety of payment options:
  5. Equipment Financing: payments are remitted monthly with terms of 2-5 years
  6. Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
  7. 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 $1,080,000. Consult your tax professional for more details.
  8. 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 $1,000 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 $1,000 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.
  9. No impact on credit score: Your credit score helps us determine your eligibility for funding as well as your financing terms. Exploring your financing options with us does not impact your credit score. If you apply with us and we are unable to offer financing to you, we may try to match you with one of our partners to obtain financing. They may perform a hard credit pull to determine your eligibility for financing.
  10. Terms and Conditions apply: This is not a guaranteed offer of credit. Rates and terms for business credit products are subject to underwriting guidelines, may be provided by third parties, and are subject to lender approval. Approved funding amount is based on eligibility. 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 business bank account balances, personal credit and other variables deemed relevant by the lender