Short-term business loans and equipment financing up to $500K — 6+ months in business, $250K+ annual revenue
Get started at National Funding, Inc. → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Established SMBs (6+ months TIB, $250K+ annual revenue, 670+ personal FICO) needing working capital or equipment financing outside the bank channel.
National Funding Small Business Loan — Short-term business loans and equipment financing up to $500K — 6+ months in business, $250K+ annual revenue Best for: Established SMBs (6+ months TIB, $250K+ annual revenue, 670+ personal FICO) needing working capital or equipment financing outside the bank channel.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
National Funding, Inc. presents itself as a small business loan originator, but its public disclosures state that 'the products may be provided by third parties and subject to lender approval,' indicating that some loans may be funded through partner lenders rather than from National Funding's own balance sheet. This means National Funding may function as a loan facilitator in some cases. National Funding operates in California under CFL License #603A169. When evaluating any offer, review the loan agreement carefully — the entity named as the creditor is the actual funding source. ClearValue Lending is not affiliated with National Funding.
National Funding's published minimums are: at least 6 months in business, $250,000 or more in annual revenue, and an active business bank account. The site also guides that personal credit scores should be in the 'good' range — 670 and higher when a personal guarantee is involved. These are published minimums; actual approval depends on the underwriting of your specific business profile, including revenue consistency, average bank balances, and credit history. Verify current requirements at nationalfunding.com before applying.
National Funding's website states that funding can be available 'in as little as 24 hours' after approval. The actual timeline depends on how quickly documentation is submitted and how cleanly the file underwrites. Same-day to next-business-day funding is achievable for clean, complete applications. This speed claim applies to their short-term working capital products, not to SBA or bank-tier loan programs. Verify current funding timelines at nationalfunding.com.
National Funding does not publish specific APR ranges, factor rates, or fee schedules on its public website. Pricing is determined individually based on your business type, time in business, annual revenue, and credit profile, and is disclosed at the offer stage. Before signing any agreement, use the factor rate to APR calculator at ClearValue Lending to convert the quoted pricing into a standardized APR for comparison against alternative products.
Yes. National Funding, Inc. is a legitimate small business lending company based in San Diego, California. It has been in operation since 1999 and operates under California Financing Law License #603A169. You can verify its California license status at the California Department of Financial Protection and Innovation (dfpi.ca.gov). National Funding also appears in the CFPB's public enforcement and complaint databases (consumerfinance.gov/data-research/consumer-complaints/) — standard research for any financial company. Its BBB profile can be found at bbb.org. ClearValue Lending is not affiliated with National Funding and does not receive compensation from National Funding for this editorial review.
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Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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