- 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.
- Fast online application with quick decisions and funding
- Two core products — working capital loans and equipment financing — in one place
- Dedicated funding specialists guide you through options
- More accessible requirements than most banks
- Lowest payment guarantee and prepayment discounts on equipment leases
- – Short-term costs are higher than banks or SBA loans
- – Working capital loans typically use daily or weekly repayments
- – Loan amounts are capped ($500K working capital, $150K equipment)
- – A personal guarantee is generally required
National Funding FAQs
What are National Funding's requirements? +
National Funding generally looks for at least six months in business for working capital loans (about two years for equipment financing), roughly $250K or more in annual sales, and fair-or-better personal credit. Exact thresholds vary by product and can change, and a personal guarantee is typically required. The simplest way to confirm what you'd qualify for is to apply and review an offer.
Is National Funding a direct lender? +
National Funding originates working capital and equipment financing for small businesses. Hoss Capital is a matching service — we can connect you with National Funding and comparable lenders so you can compare offers side by side.
What's a good alternative to National Funding? +
If you want to compare options, other working-capital lenders and equipment financers may offer better terms for your profile, and a bank or SBA loan will usually be cheaper if you qualify and can wait. The fastest way to compare is to apply once and get matched.
Last updated: June 2026