National Funding Small Business Loans Review

Rating: 9.2 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Founded in 1999, National Funding is a veteran lender that offers small businesses several loan options. Among them are short-term business loans for general business-related expenses, or financing for purchasing or leasing business equipment.

How is National Funding rated?


Loan Options
Application Process
Rates & Fees

Overall Rating: 9.2 / 10 (Excellent)

National Funding offers consumers business loans for generous loan amounts. The application and approval process is extremely simple and quick, which aids applicants in deciding whether the loan is right for them. Finally, the large number of positive customer reviews should make this one of the first companies consumers turn to when needing small business loans.

Loan Options

Available Loan Types

SBA Loans
Term Loans
Lines of Credit
Invoice Financing
Merchant Cash Advances
Equipment Loans

Term Loans

Min Loan Amount
Max Loan Amount

Equipment Loans

Max Loan Amount

Loan Options - 7.5 / 10

National Funding has several lending products available for small business owners. Among them are short-term loans and equipment loans. Loan term lengths or repayment details are variable. Maximum loan amounts appear to be very generous when compared to other companies.

National Funding Rates & Fees

Rates & Fees - 9.5 / 10

National Funding's website does not provide any information about its loan interest rates, APRs, and fees.

Application & Qualifications

Online Application
Approval Time
Decision in as little as 24 hours
Funding Time
As little as 24 hours
Min. Years In Business
1 year(s)
Min. Annual Revenue

Application Process - 9.5 / 10

Consumers can apply for National Funding loans through a short, one-page online application. Depending on the type of loan requested, additional requirements may be needed. For example, business loans require a minimum of 1 year in business and $8,500 monthly revenue, and applications must be accompanied with at least 3 months in recent bank statements. On the other hand, equipment financing loans require the applicant to have been in business for 6 months and a FICO score of 620. The company’s ability to approve funding in as short as 24 hours is dependent on the applicant submitting all required documentation in a timely manner.

National Funding Reputation

Customer Feedback

TrustPilot Score
9.3 out of 10
BBB Rating
BBB Positive Reviews
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 10 / 10

National Funding has an even number of positive and negative reviews on the BBB page. Most complaints are from non-customers upset over receiving a marketing mail piece from the company that they feel is deceptive. Positive reviews focus on helpful customer service representatives who walk applicants through the lending process, as well as customers being approved by the company after being repeatedly turned down elsewhere. These positive reviews are echoed in Trustpilot, pointing towards most customers being satisfied with the overall service.

Contact & Additional Information

Homepage URL
Company Phone
(888) 733-2383
Headquarters Address
9820 Towne Centre Drive, San Diego, CA, 92121
Year Founded

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Our Partner
9.2 / 10
  • A+ BBB Rating & 9.4 out of 10 TrustPilot score
  • Loan specialists with industry specific expertise
  • Loans up to $500K
  • $0 upfront cost, no obligation 
  • Cash in as little as 24 hours
  • Early payoff discount