National Funding, Inc.

National Funding Review 2026

Name: National Funding
Brand: National Funding, Inc.
Rating: 3.8 (1 reviews)

Broadest product menu from one direct lender — working capital, term loan, equipment, and receivables financing.

Quick answer

National Funding is a direct lender covering working capital ($5K–$500K), term loans, and equipment financing ($5K–$150K) with factor rates starting at 1.1 for strong-credit borrowers, per NerdWallet's independent review (National Funding's own site publishes no rate figures). Funding lands as fast as 24 hours, but the lender's site is quiet on time-in-business (6 months, per NerdWallet) and revenue ($250,000+, per NerdWallet) minimums — verify both directly.

Who National Funding is best for

Businesses that want a broader product menu from one direct lender and have roughly average (600+) credit and $250K+ in annual revenue.

At a glance

Loan amount: Working capital/short-term $5,000–$500,000; equipment financing $5,000–$150,000
Factor rate: Starts at 1.1 for borrowers with strong credit; no published ceiling
Term: Working capital 4–24 months; equipment financing 24–60 months
Min credit: 600 (NerdWallet's stated practical minimum; National Funding's own site frames it more softly)
Time in business: 6 months
Funding speed: Same-day approvals possible; funds as fast as 24 hours, typically deposited the next business day after approval

Pros

+Widest product menu of any single direct lender in this roundup: working capital, term loan, equipment, inventory, and receivables financing
+1.1 starting factor rate is competitive on paper against MCA peers
+Same-day approval possible, funds as fast as 24 hours

Cons

−The 1.1 factor-rate floor is for the strongest files only — no published ceiling
−National Funding's own site stays quiet on time-in-business and revenue minimums; those figures come from a third-party review
−$250,000 minimum annual revenue (per NerdWallet) excludes smaller businesses

National Funding requirements

Recommended credit:600+ personal FICO

Time in business:6+ months (third-party sourced)

Annual revenue:$250,000+ (third-party sourced)

Loan amount:$5,000–$500,000 working capital; $5,000–$150,000 equipment financing

600+ personal FICO (practical minimum per NerdWallet)
6+ months in business (third-party sourced)
$250,000+ annual revenue (third-party sourced)

National Funding alternatives

Top alternatives worth comparing from Best Small Business Loans 2026.

OnDeck Capital, Inc.

OnDeck

Established businesses (1+ year, $100K+ revenue) that want speed and can tolerate a high-APR average.

Apply at OnDeck Capital, Inc.→ Read review →

Bluevine

Businesses that want a revolving credit line from a well-capitalized fintech and value fast (even instant) access to funds.

Apply at Bluevine→ Read review →

Fundbox, Inc.

Fundbox

Newer or thin-file businesses that can show 3+ months of business-checking history and want the lowest revenue bar on this list.

Apply at Fundbox, Inc.→ Read review →

Ready to apply?

Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.

Apply at National Funding, Inc.→

Last verified at the issuer on 2026-08-20

The full lineup

See all picks in Best Small Business Loans 2026

Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.

Read the full guide →

Bottom line

National Funding scores 3.8 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Businesses that want a broader product menu from one direct lender and have roughly average (600+) credit and $250K+ in annual revenue.

◆ How we scored it

The ClearValue Rating, broken down.

Cost: 35%
Fit & approval odds: 30%
Speed & terms: 20%
Transparency: 15%

Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →

Related guides

Best Small Business Loans 2026

See National Funding reviews on Trustpilot ↗

Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.

https://clearvaluelending.com/reviews/national-funding-smbloan