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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

National Funding


About lender

National Funding is a funding company that offers small businesses and individuals the funding they need to help them reach their goals. The company was established in 1999 in San Diego, California, to fund small businesses and entrepreneurs.

National Funding states it is pioneered in alternative funding, and it is a corporate sponsor of San Diego Padres and USC Trojans.

National Funding Inc. offers various funding options, including business loans, lines of credit, and merchant cash advances. The company also offers personal funding options for individuals who need funding for their personal goals. National Funding is committed to providing its customers with the best possible funding options. It works with a variety of different lenders to provide the most competitive rates and terms.

Pros and cons

Being a business owner, achieving your goals requires access to funding. Equipment financing and small business loans can be difficult to obtain, but National Funding offers a variety of options to help you get the money you need. Here are some of the pros of working with National Funding:

  1. They offer business loans for up to five years, giving you the time you need to repay your loan without putting too much strain on your business.

  2. You can use the money from your business loan for various purposes, including equipment financing, business expansion, and working capital.

  3. National Funding is willing to work with businesses of all sizes, from small to large companies.

  4. They have a quick and easy application process, so you can get the money you need quickly and without hassle.

Here are some cons of using National Funding for your business financing needs:

  1. National Funding offers $5,000 to $50,000 business loans, but the amount you can qualify for may not be enough for your business expenses.

  2. High cost of borrowing due to a large percentage of interest and daily or weekly payments.

  3. National Funding charges an origination fee, a percentage of the loan amount.

Before you decide to use National Funding for your business financing needs, be sure to weigh the pros and cons carefully.

Terms and conditions

National Funding offers several business funding options:

  • Small business loans. If you need money for inventory, taxes, or payrolls, you can borrow from $5,000 to $500,000 in cash. The loan life here is four months to two years.

  • Equipment financing allows you to get up to $150,000 for new or used equipment purchase and lease. The loan term is two to five years.

The company doesn’t disclose its interest rates. However, the cost of borrowing here is 15%-30% of the loan amount. The cost applies to your term. Therefore, the APR with National Fining will likely be higher than 50%.

Funding a loan

The money is transferred to the borrower as soon as the loan is approved. There is no need to wait for the funds to be deposited into a bank account. The borrower can use the money immediately to purchase equipment, inventory, or anything else needed for the business.

It takes about 24 hours to get approved for money.


What is National Funding?

National Funding is a small business lending company that offers loans and lines of credit to business owners across the United States. The company was founded in 1999 and is headquartered in San Diego, California.

Is National Funding legitimate?

National Funding is a legitimate funding company that offers small businesses loans and lines of credit.

How much can I borrow from National Funding?

National Funding offers business loans of up to $500,000.

Company documents

Terms and Conditions
Privacy Policy

Secure working capital for inventory, payroll, marketing, taxes and more.

© National Funding

Calculate loan payments in National Funding

National Funding calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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5000 $
500000 $
Loan term

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What to focus on before applying for a loan with National Funding

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between National Funding and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All National Funding’s reviews by September 2022
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