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Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Lender profile

National Funding

Direct funder San Diego, CA Founded 1999 Checked Sep 10, 2026
National Funding is a San Diego, California direct lender, founded in 1999, that offers working capital loans and equipment financing to small businesses under a California Financing Law license. It lends $6,000 to $500,000 and lists a 6-month minimum time in business for working capital. It says funds can arrive as fast as 24 hours.
Visit nationalfunding.com Compare with similar funders
Heads up. In Alaska, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee and Vermont, it offers only sales-based financing. Its homepage says most customers have a personal FICO score of 600 or higher, while its small business loans page asks for personal credit of 670 and higher.

The open book

What National Funding publishes, and what it doesn't

5 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$6K–$500K
Minimum credit score
Not published
Minimum time in business
6 months
Minimum monthly revenue
Not published
Speed, in its words
As fast as 24 hours

The ledger

  • Funding amounts
  • Minimum time in business
  • Funding speed
  • Fees
  • Term length
  • Minimum credit score Not published
  • Minimum revenue Not published
  • Price (rate or factor) Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

National Funding's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
Up to $150K
Price
Not published
Term
24–60 months
Repayment
Monthly
Minimums
Credit n/p · Time in business 6 months · Revenue n/p
Speed
as little as 24 hours
Fees
"no down payment requirements" is published. No origination, admin or underwriting fee amount is published.
Sources (1)
  • "Get up to $150,000 for equipment that's critical for running your business"; "Equipment Financing: payments are remitted monthly with terms of 2-5 years"
    nationalfunding.com/equipment-leasing · checked 2026-09-10
Price not published
Amounts
$6K–$500K
Price
Not published
Term
4–24 months
Repayment
Variable
Minimums
Credit n/p · Time in business 6 months · Revenue n/p
Speed
Funds in your account as fast as 24 hours
Fees
"$0 upfront costs" and "No-cost, no-obligation application" are published on /small-business-loans/. No origination, admin or underwriting fee amount is published.
Collateral
Not required
Sources (1)

Third-party ratings

Ratings as we found them

A signal, not proof. Ratings change and some platforms let companies invite reviews. Check the current page before you rely on it.
Trustpilot
2184 reviews · retrieved Sep 10, 2026
4.60 / 5
BBB customer reviews
13 reviews · retrieved Sep 10, 2026
1 / 5

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National Business Capital

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ROK Financial

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Head-to-heads

Forward Financing vs National FundingKapitus vs National FundingNational Funding vs OnDeck

Pages we read

  1. https://www.nationalfunding.com
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing National Funding here doesn't mean it works with Openbook.

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