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National Funding Review

Reviews 1,826
National Funding
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National Funding
National Funding
Reviews 1,826
Bestmoney Staff
Apr. 19, 2023
4 min read
BestMoney Staff
National Funding Summary
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.² 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
  • Only need 6 months in business to qualify


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

National Funding at a glance

Editorial score

Online experience

Has learning resources, access to rates, mobile app

Customer services and support

Award winning

Variety of loan types

Offers all loan types*

Loan amount range

Loan amount up to $500K


Doesn't cover bad credit, low revenue, new businesses

National Funding National Funding View Rates

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   Time In Business: 1+ years old, with monthly gross revenue of at least Monthly Revenue: $25K+.

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:

  • Quick Turnaround
  • Funding in as little as 24 hours¹
  • Early payoff discount²
  • Personalized experience with dedicated Funding Specialists
  • Little paperwork needed (application, three months of bank statements)
  • No collateral needed
  • Renewal opportunities
  • 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.¹ 

Apart from your business being at least six months 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. Repayment periods can be daily or weekly depending on the loan.³ 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:Loan Amount: $10K-$500K
Loan Term:Up to 24 months, Equipment Finanacing: 2-5 years³
Time to Funding1-4 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 for most loans are up to 24 months, and equipment finanacing is typically from 2-5 years.³ There is an origination fee of 1-3%. There are no details surrounding flat fees or interest rates, 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.²

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. Hours are Monday-Friday 6:30am-4:30pm (PT).

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.²
  • 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.¹ National Funding customers also value the savings they gain from receiving a discount when they pay their loan off early.² Since businesses do need to be established with a minimum of in business and   Monthly Revenue: $25K+ 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 National Funding View Rates


¹ Fast approvals and 24-hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.

² Borrowers with a working capital loan receive a 7% discount on the remaining balance if the loan is paid in full within the first 100 days. National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Early payment discount amounts and details will be provided prior to acceptance of terms and funding. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.

³ Equipment Financing: payments are remitted monthly with terms of 2-5 years. 

Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months.

⁴ This is not a guaranteed offer of credit. Rates and terms for business credit products are subject to underwriting guidelines, may be provided by third parties, and are subject to lender approval. Approved funding amount is based on eligibility. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average business bank account balances, personal credit and other variables deemed relevant by the lender. Products offered by National Funding, LLC and affiliates are business products only. In California, products are made or arranged pursuant to a California Financing Law License. License number: 603A169. 

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
See what some customers are saying about National Funding
Excellent • Reviews 1,826
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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1 hour ago
Ashley did a fantastic job transaction…
Ashley did a fantastic job transaction waz quick and seamless
Daniel samuel
1 day ago
Darren was great
Darren was great. Process was smooth from start to delivery of funds.
Big Skye Enterprises, Inc.
1 day ago
Very helpful and professional.
Quick response, detailed expense outlined.
2 days ago
Astrid is incredible!
Astrid is incredible! She patiently, clearly, and efficiently held my hand through every part of the process. She is a definite bonus in doing business with National Funding. I felt valued throughout the process. I highly recommend this FORBES referred company. Mahalo piha!
4 days ago
Steven Han is very pleasurable to work with…
My experience with Steven Han was absolutely outstanding. We needed a bit of capital to catch up with some debt and needed a little help getting through a slow period and Steven went above and beyond to make sure our loan process was timely and efficient. I feel that National Funding's interest rates are very a bit high, but unfortunately, that is the case with most loans anywhere these days. We chose to move forward and even with the obstacles in our way, Steven was able to get us funded. We will definitely call on him again if needed.