# National Funding Review

> National Funding is a long-running online lender that provides working capital loans and equipment financing to small businesses across the U.S. It's a practical fit for owners who want fast decisions and funding and may not meet a traditional bank's stricter requirements. Terms and pricing vary by business profile and can change over time.

## Key takeaways
- National Funding is a long-running online lender (since 1999) offering working capital loans and equipment financing with fast decisions and funding.
- Its requirements are more accessible than most banks', making it a fit for small businesses with steady cash flow that need capital quickly.
- Short-term costs run higher than banks or SBA loans, working capital loans often use daily or weekly repayments, and a personal guarantee is generally required.

## National Funding at a glance

National Funding has been financing small businesses since 1999 and is one of the
more established names in online lending. Its focus is **speed and accessibility**:
a short online application, decisions that can come in as little as 24 hours, and
funding that can follow quickly. That combination makes it a common choice for
owners who need capital fast and don't want to navigate a lengthy bank process.

### What National Funding offers

- **Working capital / short-term loans** — a lump sum repaid over a fixed term
  with regular (often daily or weekly) payments. Good for inventory, payroll,
  marketing, or other time-sensitive operating costs.
- **Equipment financing and leasing** — funding to purchase or lease new or
  pre-owned equipment, with the equipment itself serving as collateral. National
  Funding advertises no down payment, a lowest payment guarantee, and prepayment
  discounts on leases.

### Who it's best for

National Funding fits **small businesses with steady cash flow** that value fast
funding and may not meet a bank's stricter criteria. Equipment-heavy businesses —
from trucking to medical practices — are a natural fit for its leasing product.
If you have strong credit and time to wait, a bank or SBA loan will almost always
be cheaper; if you're very new or have weaker credit, revenue-based options may be
more accessible.

### How to decide

Speed and flexibility come at a cost, and short-term loan pricing runs higher than
a bank's, so it's worth comparing a couple of offers before committing. Watch the
repayment cadence (daily or weekly on working capital) and confirm that the loan
amount and term fit your need. The simplest way to weigh it is to apply once
through Hoss Capital — we'll match you with National Funding and comparable lenders
so you can compare the real numbers side by side.

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Canonical: https://hoss-capital.pages.dev/lenders/national-funding/

Sources:
- https://www.nationalfunding.com
- https://www.nationalfunding.com/equipment-leasing/