National Funding Review

ByBestmoney StaffJan. 07, 2021
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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 types Multi-purpose small business, equipment financing
Loan amount $5K-$500K
Repayment Terms 6- 60 months
Minimum credit score 500
Minimum monthly revenue $8.5K+
Time until funding As little as 24 hours

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  12+ months  old, with monthly gross revenue of at least $8.5K+.

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: $5K-$500K
Loan Term: 3 months - 5 years
Time to Funding 1-7 days
Loan Types Short 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 in business and  $8.5K+ 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

National Funding customer testimonials

ExcellentReviews 1,336
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Jan 06, 2021
    We had a great experience

    We had a great experience. The steps were very simple. Our loan specialist Ashly White were so polite and assisting. We highly recommend National Funding for your business loan needs.


  • author
    Jason R
    Jan 04, 2021
    Easy to work with

    Easy to work with, did as they said they would do.


  • author
    Crystal Coutee
    Dec 28, 2020
    Our Specialist

    Our Specialist, Bryan, was simply AMAZING!!!!! He was very helpful and speedy with responses via email as well as via phone calls. He brought on a sense of comfort and excitement to help my husband and I get the working capital we needed to help keep our business moving forward!! The most important part was getting everything accomplished in 2 days. I believe it only took 2 days because of my work schedule and not having at full access addtional docs he needed but he was extremely patient and "Got her done" very quick. I highly recommend this company and we look forward to continuing our business relationship with National Funding and my guy, Bryan!!


  • author
    Donna Salvador
    Dec 28, 2020
    If there was a negative star I would…

    If there was a negative star I would give them that. I was told I didn’t qualify for National funding but they were able to get me funding from Everest funding. National funding employee Josette S. Said that once I paid 50% of this ridiculous loan back at the ridiculous amount of 150 a day I can refinance for a lower payment and more receive more financing. I called and spoke to her twice before signing the speed. I called once about her stating that this would help my business credit and when I spoke to the loan officer at Everest he said in no way it would help my credit. She reassured after I paid 50% of the loan it would show I can pay and the bet loan will help my business credit. Then I called her back to discuss the 150.00 a day and when I can refinance. We discussed the date of 11/10/2020 to refinance. I specifically asked “ Can they deny me for any reason and I get stuck paying the 150 a day? I told her I CANNOT AFFORD THIS LOAN PAST NOVEMBER 11. She reassured that the only time she seen anyone get denied is when they missed a payment. I was out of town on business from the 11 to the 16th on the 22nd, 11 days after the time she said I could refinance. In the meantime Barbara from Everest left a phone message saying I can refinance. I said great I called her back sent all the info she needed and I stressed I can only carry this loan a few more days. I was told to retry in two weeks. I said no I was told that I could refinance now and I need too. My business was already suffering from lost of business from Covid. She said my boss said it would best to do it in to two weeks and make sure you have at least three payments in your account. I called back Josette and she basically denied everything she told me. After emails back and forth she stated they would no longer do business with me. I didn’t want to do business with National funding anyway. I waited two weeks and called Everest for the refinance. They wouldn’t return calls or emails for a week. Needless to say my account went into the negative. This loan hurt my business at a time we needed help. Do not trust them. They tried to get me to do a review right away. I might have done it not knowing what this company was like. But I would not recommend them or Everest to anyone!


  • author
    Dec 19, 2020
    Eric was very attentive and answered…

    Eric was very attentive and answered all my questions and very patient


National Funding