Financing to
fast-track your business’s success
Take your operations to the next level with a small business loan of up to $50K.
How It Works
XPRS offers a fast lane to the funds you need — with a fully digital experience, you can get approved and funded as soon as the next business day.
Apply for financing
It only takes a few minutes to apply and you’ll get a decision online quickly.
Choose your terms
If approved, you’ll be able to choose the term, payment frequency, and amount up to your Maximum Financing Amount.
Receive funding
Your funds will be deposited as soon as the next business day.
Draw additional funds
If you drew less than your Maximum Financing Amount, you can withdraw additional capital as needed.
How do I apply for National Funding XPRS financing?
Our application process is completely digital. All you need to apply is your Tax ID/EIN and online access to your business bank account, and you’ll receive a decision within minutes.
Are we a good fit? Check our requirements
in business
Excellent Credit
from a vendor
Easy-to-understand terms
We’re committed to simplicity and transparency. National Funding XPRS makes it easy to understand the cost, disbursement amount, and payments associated with your financing.
On-the-go account management
Your business is dynamic and your time, precious. With National Funding XPRS, you can view your balance, check payment schedules, or draw additional funds online — anytime, anywhere, on any connected device.
Payment Calculator
See how affordable your payment could be
Choose an amount
We make understanding your financing as simple as possible
Get to know what your terms could be, upfront.
Speed
We’re committed to getting you an answer as quickly as possible, within minutes.
Flexibility
We give you options, so you can choose what works best for your business.
Transparency
We make it easy to understand the terms of your financing upfront.
Fairness
We reduced the barriers many businesses face in receiving capital, so you can access funding easily.
Support
We aim to be your trusted business partner. That starts with answering your questions and serving your needs, promptly.
Growth
We believe business owners should have access to capital to grow their businesses on their terms.
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). At this time, National Funding XPRS is not available in New York State.
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.
