National Funding Review

ByTop10 StaffNov. 16, 2020

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In a Nutshell

Since 1999, National Funding has supported business owners by lending them over $2 Billion to boost their growth. Over the years, National Funding has become one of the nation’s most reputable business lenders by catering to the specific needs of each business, providing funds quickly, and offering early payoff discounts. When borrowing from National Funding, businesses are creating a lasting partnership with professionals in the industry.


  • Reputation: BBB gives National Funding an A+ rating
  • Quick and easy: The application process can be under 24 hours


  • Must speak with a Loan Specialist in order to understand terms
  • Not available for start-ups

National Funding at a Glance

Loan typesMulti-purpose small business, equipment financing
Loan amount$10K-$1M
Repayment Terms6- 60 months
Minimum credit score500
Minimum monthly revenue$15K
Time until fundingAs little as 24 hours

Suitable for?

National Funding has been serving small businesses nationwide since 1999 and has extensive experience in a wide range of industries. Understanding the different lending requirements across all 50 states so no matter where you are, National Funding can help your small business with the financing you need to grow.

To qualify for a National Funding loan, your small business must be at least 12+ months old, with monthly gross revenue of at least $15K.

Loan Features  

National Funding is a top nationwide lender and convenient resource for business owners. It offers the flexibility to create small business loans with terms that meet the specific needs of each borrower. National Funding has high approval rates when compared to other lenders. You’ll get a dedicated Loan Specialist who has specific knowledge about your industry and will provide you one-on-one personalized service.

National Funding Loan Differentiators:

  • Been in business longer than most non-traditional lenders
  • Early payoff discount
  • Loan Specialists
  • Cash in as little as 24 hours
  • No collateral needed
  • Automatic payments

The Application Process

National Funding has been in the lending industry for many years and has become known for their quick and easy application process. The process only requires completing a one-page online application and uploading 6 months of bank statements. From there, National Funding processes the application and, upon approval, gets the financing you need in as little as 24 hours. 

Apart from your business being at least one year in operation with annual gross sales of at least $180,000, you will also need to provide proof of your business’s income for six months. Bank statements are a requirement before National Funding can process your application.

Loan Terms – the Bare Basics

National Funding’s loans are customized to meet your business’s specific needs. Given the variability in terms, like most lenders, details around repayment periods and fees are not readily available on the National Funding website. However, borrowing details are outlined clearly after contacting National Funding and speaking with a Loan Specialists.

 Loan amount:$10K-$1M
Loan Term:3 months - 5 years
Time to Funding1-7 days
Loan TypesShort term, working capital, equipment financing

Repayment Terms

While interest rates are only one factor to consider when it comes to repaying a loan, you want to make sure the cost of borrowing is manageable. National Funding offers a variety of options for payback.

The payment schedules can vary anywhere from 3 months – 5 years for a loan. There are no details surrounding flat fees, interest rates or origination fees, but the APR rate they offer is similar to that of a traditional loan from the big banks. They also offer early pay-off discounts as an incentive for borrowers to quickly repay their loan.

How Safe is It? 

National Funding considers customer privacy of the utmost importance. They use the same security standards as large banks so you can rest easy knowing that your personal and non-personal data is secure.

  • National Funding does not sell, trade or rent or otherwise share the borrower’s personal information with third parties without consent.
  • National Funding implements security measures designed to protect the borrower’s information from unauthorized access and from potential security breaches by implementing certain technology security measures such as encryption.

Help & Support

National Funding has exceptional customer service. It is commonly given high marks by customers for its attentive, professional Loan Specialists who are accessible to the customer throughout the life of the loan. It provides quick service, an easy process for the customer, and they are helpful to work with.

Deep Dive into Pros and Cons

National Funding is not new to the lending game and has been around long enough to have plenty of legitimate customer reviews. While the company has a few negative reviews, we believe the positive outweigh the negative.
Here’s an example of what some of their customers say:


  • Reputation: BBB gives National Funding an A+ rating.
  • High approval rates
  • Customer Service: National Funding Loan Specialists take their time to work with each customer.
  • Early payoff discount: A unique discount for any loans paid off early.
  • Quick and easy: The application process can be under 24 hours.


  • Must speak with a Loan Specialist in order to understand terms.
  • Not available to start-ups


National Funding is a veteran in the business lending space, known for superior customer service, high approval rates, and speed. Compared to more traditional lenders, this lender approves loans at a high rate, offers the convenience of an online application, and provides funds in as little as 24 hours. National Funding customers also value the savings they gain from receiving a discount when they pay their loan off early. Since businesses do need to be established with a minimum of 12+ months in business and $15K monthly gross revenue, they don’t offer a solution for start-ups.  

Physical Address

9820 Towne Centre Dr #200

San Diego, CA, 92121


National Funding customer testimonials

ExcellentReviews 1,327
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Mbizi Cleaning Services LLC
    Nov 21, 2020
    Jake Paterson made this process so…

    Jake Paterson made this process so easy. We got a business loan that helped during this period of this deadly pandemic. I would recommend his services to any business owner. Thank you NF


  • author
    Bryian Davis
    Nov 13, 2020
    National funding was it fast and easy…

    National funding was it fast and easy to work with very clear on everything would recommend.


  • author
    Andrew Ronquillo
    Nov 04, 2020
    Eric Fong new client!!!!

    Eric Fong got my business right the first time. From start to finish, the funding was hassle free. Very satisfied customer here. Thank you.


  • author
    Austin Newton
    Oct 25, 2020
    Great people, great service

    Fast, easy, courteous, and professional. We'll be back. Thank you!


  • author
    Gregory S.
    Oct 21, 2020
    Great service...great rate

    Great service...great rate. Talked with me about my long term needs and how they can be a long term partner rather than just selling me on the need today. highly recommend and I talked to a dozen working capital companies and they were the best.


National Funding