Is National Funding Business Loans the right fit for you?

Last Updated: 06/21/2025

National Funding Business Loans

from National Funding

Last Updated: 06/21/2025

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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

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

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

Other Services by National Funding

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.

+67

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

National Funding Business Loans Community Reviews

Would you recommend National Funding Business Loans to your friends?

Anonymous

Dec 16, 2022

May or may not recommend

great service and great experience, got us the funding we needed quickly.

Angela H.

Jul 23, 2022

May or may not recommend

Excellent service very recommendable. Thank you very much. Will use again

Joyce C.

Jun 27, 2021

May or may not recommend

There super nice and fast I love that they go out of there way to help me f ok and spacific loan For me

Samuel A.

May 21, 2021

May or may not recommend

Unlike other business loan companies who demand personal information, National spending requires only proof of income and driver's license on application, they take into consideration a wide number of applications that benefit a large number of people.

Agnes S.

Apr 19, 2021

May or may not recommend

Arrived at NFBL through a friend... not a bad experience so far... sad that companies put so much importance on a Credit score number because of credit usage... was trying to get enough to pay off credit cards which would have soared the FICO score... payment history perfect but just have high usage because it was the only way I had to keep my business afloat all through the pandemic ...Show More

Ronke O.

Dec 10, 2020

May or may not recommend

National Funding is a good lender to work with. You do not have to pay any prepayment fee and the APR is also variable. I personally enjoying getting loans from them as the platform saves me from several hassles. Highly recommended.

Matt P.

Dec 5, 2020

May or may not recommend

National Funding Business Loans does loans for a large range of pricing needs, all the way from $5,000 to $500,000. This company was large option when looking at loans for my families small business. Now we sided with another Business Loan company but National Funding was easily in our top 3 option for the loan. National Funding Business Loans primary loan focus is on the individual along with business ...Show More

Oluwatosin O.

Nov 26, 2020

May or may not recommend

National Funding's interest rates are superb! I needed a loan for my small business in order to expand with more employees, I’m more than excited for its approval with very low interest! I don’t have to pay back through my nose. This is absolutely a great choice I have made in the past few years.

Oyalola L.

Oct 29, 2020

May or may not recommend

I was skeptical at first about applying for a loan. However, the application process was easy. Then, there was the little matter of making sure my loan didn’t go over $500k - which was also easy. Although late payment attracts fee, they’ve got good services, good rate and a super-fast response system, and these just make everything worth it!

Showing 9 of 9 reviews