National Funding is a veteran in small business lending, operating since 1999 with $4.5B+ deployed to 85,000+ businesses — a track record few alternative lenders can match. Its sweet spot is the fair-credit borrower (600+ FICO) with $250K+ in annual revenue who needs working capital or equipment financing fast — with 24-hour funding, a dedicated loan specialist, and a 7% early payoff discount that rewards early repayment rather than penalizing it. Two clean products (short-term working capital and equipment financing) make the menu simple. The tradeoff: factor rates instead of APR make true cost comparison harder, and revenue requirements of $250K+ are above many comparable lenders. Best for established businesses with strong revenue and fair credit seeking fast, relationship-driven capital with an honest early repayment incentive.
National Funding is a veteran in small business lending, operating since 1999 with $4.5B+ deployed to 85,000+ businesses — a track record few alternative lenders can match. Its sweet spot is the fair-credit borrower (600+ FICO) with $250K+ in annual revenue who needs working capital or equipment financing fast — with 24-hour funding, a dedicated loan specialist, and a 7% early payoff discount that rewards early repayment rather than penalizing it. Two clean products (short-term working capital and equipment financing) make the menu simple. The tradeoff: factor rates instead of APR make true cost comparison harder, and revenue requirements of $250K+ are above many comparable lenders. Best for established businesses with strong revenue and fair credit seeking fast, relationship-driven capital with an honest early repayment incentive.
25+ years of lending history, a genuine early payoff reward, and dedicated industry specialists set National Funding apart in 2026.
National Funding is best suited to established businesses with strong revenue that need fast working capital or equipment financing.
Cover daily operational costs including payroll, inventory, marketing, and utilities during slow periods or growth phases.
Finance or lease new and used equipment with terms up to 5 years and monthly payments that preserve operating cash.
Stock seasonal inventory or take advantage of supplier discounts without depleting working capital reserves.
Ensure your team gets paid on time during revenue gaps, slow seasons, or while waiting on receivables.
Fund renovations, new locations, or growth initiatives with a lump-sum working capital loan and clear repayment terms.
Bridge the timing gap between expenses due and revenue arriving, particularly for businesses with irregular payment cycles.
National Funding keeps it straightforward: working capital and equipment financing, both delivered through one application and a dedicated specialist.
Short-term lump-sum financing with terms from 4 to 24 months. Daily or weekly ACH repayments. Factor rate pricing. 7% early payoff discount if repaid within 100 days. Requires 6+ months in business, $250K+ annual revenue.
Finance or lease new or used business equipment. Terms from 2 to 5 years with monthly payments. Section 179 tax deduction eligibility on qualifying purchases. Requires 2+ years in business.
Complete the one-page online application with basic business info. Upload 6 months of bank statements. Soft credit pull — no score impact.
A dedicated loan specialist reviews your application and contacts you. They discuss your needs, match you to the right product, and explain total repayment clearly.
Review the full offer: factor rate, total repayment, term, origination fee, and repayment schedule. Ask about the early payoff discount — it can save you significantly.
Accept your offer electronically and funds are deposited within 24 hours of approval. No collateral required for working capital loans.
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| Eligibility | ||||||
| Loan Amount | $5K – $500K | $10K – $5M | $5K – $1.5M | $5K – $400K | $5K – $600K | $10K – $5M |
| Time in Business | 6+ Months | 9+ Months | 6+ Months | 12+ Months | 6+ Months | 12+ Months |
| Monthly Revenue | $10K+ | $30K+ | $12K+ | $8,333+ | $15K+ | $21K+ |
| Min. Credit Score | 500+ | None | 500 | 625+ | 500+ | 600+ |
| Loan Details | ||||||
| Funding Speed | 24 Hours | Same Day | 72 Hours | Same Day | 24 Hours | 24–48 Hours |
| Approval | — | Within 3 Hours | — | — | 4 Hours | — |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | A+ | A- | A+ | A+ | A+ | N/A |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Yes. National Funding is a direct alternative lender that originates and funds its own working capital loans and equipment financing. Founded in 1999 and headquartered in San Diego, California. Part of the FairSquare group.
National Funding typically requires a minimum personal credit score of 600–670 for working capital loans. Some sources cite 660 as the working threshold for competitive rates. Equipment financing may have slightly different requirements.
If you repay your National Funding working capital loan in full within the first 100 days, you receive a 7% discount on the remaining balance. This meaningfully reduces your total borrowing cost and is a genuine differentiator from competitors who penalize or provide no benefit for early repayment.
Approved applicants typically receive funds within 24 hours of completing the application and receiving approval. The application itself involves a one-page form, 6 months of bank statements, and a specialist review — often completed the same day.
National Funding uses factor rates rather than APR on its working capital loans, which makes direct cost comparison with APR-based lenders harder. Factor rates are not published publicly — you must speak with a specialist to receive your specific rate. An origination fee of 1–3% applies. Ask your specialist for the full total repayment amount before signing.
Yes. National Funding has operated since 1999, has funded $4.5B+ to 85,000+ businesses, holds an A+ BBB rating, and has a 4.6/5 Trustpilot rating across 2,100+ reviews. Consistent positive feedback highlights specialist quality and speed of funding. BLIQ has independently verified National Funding as an active, operating direct lender.
National Funding is a battle-tested lender with 25+ years of operation and $4.5B+ deployed. For established businesses with $250K+ in annual revenue and 600+ credit who want fast working capital or equipment financing without collateral, National Funding delivers consistently: 24-hour funding, a dedicated specialist, and a genuine early payoff discount that competitors do not offer.
The tradeoffs are clear: factor rate pricing requires you to ask for the total repayment figure upfront, revenue requirements are higher than many online lenders, and the product menu is narrow (two core products). But for borrowers who qualify and value a 25-year track record, honest early repayment incentives, and an experienced industry-specific specialist, National Funding earns its place as a dependable option.
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