Get QuoteSecure site · Updated July 2026
- Loan amount
- $5K–$500K
- Starting rate
- 1.11 factor rate
- Min. time in business
- 6 months
- Funding speed
- As soon as 24 hours
Why it stands out
National Funding highlights
- Working capital loans up to $500,000
- Equipment financing up to $150,000
- Early-payoff discount cuts total interest
- Decisions weigh cash flow over a perfect credit score
The verdict at a glance
Pros and cons
Pros
- Solid option for financing machinery or vehicles
- Discounts for paying the balance off early
- Works with scores in the low 600s
Cons
- Requires roughly $250K in annual revenue
- Rates are quoted only after you apply
Our full review
Our take on National Funding
National Funding splits its business between short-term working capital and equipment financing that can cover the full cost of a purchase. Early-payoff discounts reward borrowers who repay ahead of schedule, and the underwriting leans on revenue over credit score.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on National Funding’s own site before you apply.
The alternatives
How National Funding compares
Other top-rated lenders in Business Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Loan amount | Best for | |
|---|---|---|---|---|---|
| 1 | OnDeck | $5K–$250K | Established firms needing fast working capital | See Rates | |
| 2 | Bluevine | $6K–$250K | Businesses that want revolving capital | See Rates | |
| 3 | Fundbox | $1K–$150K | Newer businesses with limited history | See Rates | |
| 4 | Lendio | $1K–$5M | Owners who want to weigh many offers | Get Quote |
- OnDeck4.9Best for Established firms needing fast working capital
- Bluevine4.8Best for Businesses that want revolving capital
- Fundbox4.6Best for Newer businesses with limited history
- Lendio4.5Best for Owners who want to weigh many offers