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Last Updated: 06/21/2025

National Funding Business Loans

in Business Loans from National Funding

Last Updated: 06/21/2025

National Funding Business Loans logo
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Strongly recommended9 total votes
6 users recommend
3 users are unsure
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Highlights

Community Rating

Strongly recommended

Amount Range

Up to $500,000

APR (Variable APR)

5.9% - 36%(Verified 06/21/2024)
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Loan Term (Months)

Up to 60

Number of Reviews

9
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National Funding Business Loans Review

National funding is a business financing offering by National Funding, based in San Diego, CA. Founded in 1999, National Funding offers access to small business loans in 50 states (and Washington, DC).

National funding FAQ

What are National funding rates?

National funding offers a variable APR business financing product that ranges from 5.9% APR up to 36% APR.

Does National funding charge an origination fee?

Yes, National funding charges a loan origination fee of 1% to 2% of the business loan amount . National funding deducts the fee directly from your business loan amount before disbursing loan proceeds, so make sure you take this fee into account when deciding how much you need to borrow.

Does National funding charge a late fee?

Yes, National funding charges borrowers with a late payment fee of up to $10 .

Does National funding charge prepayment fees?

No, National funding does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.

What is the maximum business loan term you can get with National funding?

National funding offers small business loans with a maximum term of 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for National Funding Business Loans?

National Funding Business Loans requires companies to be in business for at least 6 months. Businesses must have a minimum annual revenue of $250,000 to be considered.
Applicants with a credit score of at least 600 and up to 850 may be eligible for National Funding Business Loans.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by National Funding Business Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID

What is the estimated funding time for a business loan via National funding?

National funding can fund small business loans as soon as 1 business day.

Does National Funding perform a hard credit pull?

Yes, National funding performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

National Funding Business Loans logo

Message from National funding

Since 1999, National Funding has supported business owners by lending them over $2 Billion to boost their growth. Over the years we’ve become one of the nation’s most reputable business lenders by catering to the specific needs of each business, providing funds quickly, and offering early payoff discounts. When borrowing from National Funding, businesses are creating a lasting partnership with experts in the industry. National Funding provides the following products:
  • Short Term Business Loans.
  • Unsecured Business Loans
  • Working Capital Loans
  • Business Loans for Women

Contact

Headquarters

9530 Towne Centre Drive
San Diego, CA 92121
(888) 733-2383
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Email Support

Hours of Operation

Sunday
Closed
Monday
7:30AM - 4:30PM
Tuesday
7:30AM - 4:30PM
Wednesday
7:30AM - 4:30PM
Thursday
7:30AM - 4:30PM
Friday
7:30AM - 4:30PM
Saturday
Closed

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