National Funding
Fast direct funding for higher-revenue businesses, with factor pricing and state-specific rules.
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National Funding is a direct lender built for businesses that already have meaningful revenue and need speed. Working capital can reach $500,000 and equipment financing $150,000. The tradeoffs are factor-rate pricing, short repayment and state-specific product restrictions.
At a Glance
How FundingRank Evaluates National Funding
FundingRank does not assign one lender-wide star score across unlike financing products. We publish product-level requirements and costs, flag conflicting provider disclosures, and keep application privacy separate.
The company underwrites its own financing, but its published terms allow some applications, declines or products to be routed to outside financing providers that may contact you separately.
What we found: National Funding originates its own working capital and equipment financing, but its privacy policy says requests for financial products may be submitted to third-party service providers and that those providers may contact applicants directly. Its terms also authorize sharing with assignees involved in a potential financing transaction.
Why there is no lender-wide star rating
A term loan, line of credit, SBA product and revenue-based financing structure are not interchangeable. A single blended score can reward easier qualification or penalize missing disclosures in ways that look like a judgment about financing quality. FundingRank compares the underlying product facts instead.
Compare Your Business With Published Minimums
This checks published minimum requirements only. It is not prequalification or an approval estimate.
When National Funding May Make Sense
Compare the lender's strengths and tradeoffs with your financing needs.
May Work Well If
May Not Be a Fit If
Financing Products
Working-capital offers use factor-rate pricing rather than a universal public APR. The actual factor, fees and any early-payoff discount are offer-specific.
Before You Apply
Current fast-funding pages publish six months in business, $250,000+ annual sales and a business bank account. There is no single public hard credit minimum across all products.
Typical Requirements
What You May Need
- Business bank information and requested bank statements
- Business and owner identification/information
- Equipment vendor quote for equipment financing
- Additional underwriting documents depending on amount and financing type
How the Application Works
- Complete the short online request with basic business and financing information.
- National Funding performs its initial eligibility review without a hard credit-score impact according to its current site.
- A U.S.-based Funding Specialist contacts you to discuss the business need and financing options.
- Submit the requested financial documentation and, for equipment financing, a vendor quote.
- Review the exact financing structure, factor or total payback, payment frequency, fees and any early-payoff discount before accepting.
Fees, Credit Checks and Early Payoff
The three places a business funding offer usually costs more than the headline number suggests.
Fees
Working-capital offers use factor-rate pricing rather than a universal public APR. The actual factor, fees and any early-payoff discount are offer-specific.
Credit check
National Funding says checking eligibility does not affect your credit score. The exact credit inquiry used later in underwriting can depend on the financing structure, so review any additional authorization before final acceptance.
Paying it off early
National Funding says some customers can receive an early-payoff discount when they remain current and pay the balance in full. The discount amount and eligibility are disclosed before acceptance; do not assume every product receives the same savings.
What Happens After You Apply
Review who receives the application, how follow-up works, and the expected funding timeline.
Where Your Application Goes
National Funding is a direct lender, but its terms allow sharing with third-party financial providers and assignees when financing requires it. Confirm who is actually funding the offer.
Servicing, Availability and What Borrowers Report
What the relationship looks like once the money lands, and where the lender is actually able to operate.
Building business credit
FundingRank has not established a universal current business-credit reporting policy across National Funding's financing structures.
Where it operates
National Funding serves U.S. businesses, but the current site says financing in AK, CO, MA, MN, NV, NJ, NY, ND, OK, OR, PA, RI, SD, TN and VT is limited to sales-based financing. Product availability and legal structure therefore vary by state.
Customer support
National Funding assigns a U.S.-based Funding Specialist to the application process. FundingRank has not independently measured response time or servicing quality.
What borrowers report
Current Bankrate coverage highlights National Funding's speed, dedicated specialists and early-payoff discounts while flagging short repayment and factor-rate cost. FundingRank's primary-source review adds an important state-specific caution: several states are limited to sales-based financing.
National Funding Compared
Side-by-side breakdowns against the lenders business owners weigh against this one.
Alternatives to National Funding
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National Funding FAQs
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