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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.

Currently, National Funding XPRS offers financing ranging from $6,000 – $50,000.² Upon approval for an account, you will be provided with the Maximum Financing Amount for which your business is eligible. In most states, the minimum individual financing transaction is $6,000.

National Funding XPRS is committed to presenting your financing options using clear, straightforward language and tools that are simple and easy to understand. You can choose the duration of financing, frequency of payment, and financing amount that are right for your business.

If approved, your business can receive funds as fast as the next business day.³

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.

National Funding XPRS’s application process is completely digital. Apply online and receive a decision within minutes.¹

National Funding XPRS asks for your personal as well as business information. Personal information includes your name, email, phone number, and Social Security Number. Business information includes your business address, phone number, Tax ID/EIN, and annual revenue. You will also need to provide online access to your primary business bank account so that we can verify your business’s annual revenue.

Yes. Safeguarding your personal and business information is our top priority. We utilize state-of-the-art, advanced encryption technologies and adhere to industry-standard security protocols. We also conduct periodic security assessments to reinforce the safety of our entire system’s infrastructure.

National Funding XPRS uses your SSN to confirm your identity and review your credit history. Applying for financing has no impact on your credit score.⁴

Your credit score helps us determine your eligibility for financing as well as your financing terms. Applying for financing will not impact your credit score.⁴

No.

In most instances, you will receive a decision online within minutes.¹

No.

For a National Funding XPRS business loan:

• The maximum amount of funds you are eligible to borrow is known as the Maximum Financing Amount.
• The amount you choose to borrow at any point is referred to as your loan amount or principal
• National Funding XPRS will deduct an origination fee before depositing funds into your primary business bank account. The amount deposited consists of the principal amount less the origination fee
• National Funding XPRS will debit the same amount (known as an installment payment) from your primary business bank account at the frequency of your choosing (monthly, biweekly or weekly) until the entire principal has been repaid. Each installment payment is applied to the repayment of principal plus a fee.

For National Funding XPRS sales-based financing:

• Sales-based financing entails the purchase by National Funding XPRS of your business’s future receivables.
• In return, you agree to deliver funds derived from future revenue to National Funding XPRS on a periodic basis (monthly, biweekly or weekly) as selected by you.
• The total amount of funds you will need to deliver is determined at the time National Funding XPRS purchases your future receivables.
• National Funding XPRS will deduct an origination fee before depositing funds into your primary business bank account. The amount deposited is equal to the amount of receivables you are financing, minus the origination fee.

National Funding XPRS will debit the same amount from your primary business bank account at the frequency of your choosing (monthly, biweekly or weekly) until you have satisfied the terms of your financing. You can also make a one-time payment or pay off your National Funding XPRS financing by visiting the customer portal.

The date of the first debit is determined based on the date on which funds are disbursed into your primary business bank account:

• Monthly frequency: Your first debit will occur on the same date of the following calendar month and on the same date of each successive month thereafter.
• Biweekly frequency: Your first debit will occur in 14 days following the disbursement of funds, with successive debits occurring every 14 days.
• Weekly frequency: Your first debit will occur in 7 days following the disbursement of funds, with successive debits occurring every 7 days.
• In the event a debit date falls on a holiday, your account will be debited the following business day.

A fee may be charged for late payment, insufficient funds, or loan modification.

Yes. You can satisfy your financial obligation anytime, with no prepayment penalties.

No.

Consult the National Funding XPRS customer portal anytime to check account details including outstanding amount, account status, next debit date, and additional available financing. If you’re already a customer, you can log in here.

National Funding XPRS does not mail paper statements. Consult the National Funding XPRS customer portal anytime to check account details including amount outstanding, account status, next debit date, and additional available financing.

If you would like to discuss a change to your debit schedule, please call us at (888) 633-3062 or email us at support-xprs@nationalfunding.com. Our business hours are Monday through Friday from 9am to 8pm EST.

National Funding XPRS does not report to consumer credit agencies but will report to business credit agencies.

If your business is experiencing financial distress, please call us at (888) 633-3062 or email us at support-xprs@nationalfunding.com. Our business hours are Monday through Friday from 9am to 8pm EST.

You can download a copy of your National Funding XPRS financing agreement anytime by logging into the customer portal.

In the event you suspect fraud, please call us at (888) 633-3062 or email us at support-xprs@nationalfunding.com. Our business hours are Monday through Friday from 9am to 8pm EST. Please contact us as soon as possible.

National Funding XPRS is a product of National Funding, a leading alternative lender that has been empowering small and medium-sized businesses with affordable short-term financing since 1999.

When you work with National Funding XPRS, your business benefits from our commitment to speed, flexibility, fairness, and transparency. Our streamlined, digital application process is designed to help you unlock the financing you need to fuel your business’s growth — fast.

You can email us at support-xprs@nationalfunding.com or call us at (888) 633-3062.