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In-depth review of National Funding business loans. Discover whether or not you qualify for a National Funding loan and if it's the right choice for your business.



If you are a small business looking for funding options, National Funding provides solutions, even for those with a low credit scores. As one of the country’s largest private lenders, Nation Funding offers short-term business loans which grant companies fast-track access to capital.  

Since 1999, the firm has provided over $2 billion in capital to over 40,000 businesses nationwide. Their personalized approach creates the most efficient repayment terms for each customer. By making daily agreed payments, businesses can clear their loans in a short period of time. National Funding provides small businesses with the instant capital they need while supporting their repayment process.  



Quick and Easy Application 
National Funding offers a simple online application, which can also be completed over the phone, with no obligation and free of charge. 

Rapid Response 
Once customers provide all of their information, they can expect a response on the same day. This ensures a speedy process when receiving your business funding. 

Automated Payments 
Together with a loan specialist, you will both agree on an amount which will be deducted from your bank account daily. Payments are set up automatically so you just need to have the funds in your account. Then leave the rest to National Funding. 

Early Payoff Incentive 
As a reward for borrowers who clear their loan before their agreed time-frame, you will receive a generous 7% discount off your last balance amount.   

Loan Extensions 
National Funding offers a loan extension option to first time customers who pay off 50% of their loans and remain active on their accounts.  



Application Process

If your business has been open for more than 1 year, you have a credit score of at least 500, your revenue is over $100,000 per year with an average bank balance of $1,500 then you can qualify for the National Funding short-term business loan.

Save yourself time when applying for a business loan through National Funding’s online application. This quick and easy service will take you just a few minutes to complete. By providing some basic personal and financial information you can submit your free application online. You must provide evidential documents including 3 months of business bank statements, your most recent business tax return, a voided business check, and a copy of your driver’s license.

Once the company receives your application, one of their professional consultants will be in touch to discuss your loan options. For those less tech-savvy, you may also complete an application by telephone. You will agree on an effective repayment plan and could receive funding in as little as 24 hours. National Funding provides a quick response to applications and a rapid release of funding. 



Repayment Terms

Repayment terms vary depending on each applicant. The total amount borrowed and agreed repayment time-frame will affect APR. Flat fees apply with a rate of 1.17 multiplied by the total amount borrowed. National Funding does not provide a set APR. Payback costs are evaluated by multiplying the total amount borrowed, by 1.36. 

Short-term business loans start from $5,000 and range to $500,000. National Funding specifically provides short-term business loans, therefore, repayment terms range from 6 to 15 months. All loans entail a daily repayment condition, meaning that borrowers will instantly begin to pay back an agreed amount each day until their loan is cleared. For those who pay off their entire loan early, they will receive a 7% discount.  


Customer Support

National Funding business loans has an excellent rating on Trustpilot and an A+ on BBB with the majority of reviews praising the level of customer support received. You can reach their loan specialists by phone Monday - Friday 7:30 am to 4:30 pm PT. Additionally, you can email their team of representatives with any questions, advice, or complaints you may have and expect a rapid response.  

National Funding professionals are informative and friendly when dealing with their customers, ensuring a smooth and clear process through their entire application. Customers can also connect with the company through social media including Facebook and Twitter. 

  • Fast & easy process
  • Lenient credit score requirements
  • Incentives for early payoffs
  • Terms & conditions lack transparency
  • Not available for startups
National Funding offers a short-term solution for small businesses searching for quick access to capital.


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Joe Schwartz

Business Loans Editor

Joe is the chief content editor of TheTop10Sites and manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.