National Funding review

Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026

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Our verdict

National Funding suits established firms seeking working capital through a direct lender with clear state licensing and support by phone and email. Loan amounts of $6,000 to $500,000 with terms of 4 to 24 months and funding at as fast as next business day suit planned cash flow needs with early settlement without added fees.

Key facts

Best for
Established firms planning working capital borrowing
Loan amount
$6,000 to $500,000 (Source, checked September 30, 2026)
Term
4 to 24 months (Source, checked September 30, 2026)
Credit check
Soft prequal (Source, checked September 30, 2026)
Funding time
as fast as next business day (Source, checked September 30, 2026)
Lender type
Direct lender (Source, checked September 30, 2026)
Free early repayment
Yes (Source, checked September 30, 2026)
Eligibility
FICO 600 or higher; in business 1+ year (Source, checked September 30, 2026)
Loan types
Business (Source, checked September 30, 2026)
Credit needed
Fair (Source, checked September 30, 2026)
Legal entity
National Funding, Inc. (Source, checked September 30, 2026)
Headquarters
United States (Source, checked September 30, 2026)
Founded
1999 (Source, checked September 30, 2026)
Support channels
Email, Phone (Source, checked September 30, 2026)
Official website
nationalfunding.com

Apps and profiles

Elsewhere
WikidataXLinkedInfacebook.com

Pros and cons

Pros

  • Loan amounts of $6,000 to $500,000 give scope for inventory, equipment or hiring plans beyond micro borrowing
  • Funding at as fast as next business day helps you align borrowing with payroll or supplier dates
  • Soft prequal screening via soft prequal lets you explore eligibility without marking your file at that stage
  • Early settlement without added fees pairs with terms of 4 to 24 months to keep exit flexible

Cons

  • Terms of 4 to 24 months require relatively rapid repayment, which raises payment size for larger balances
  • Support runs on email and phone only, which may suit you less if you prefer chat or branch contact
  • Business only focus through business means personal or other borrowing needs stay outside this lender
National Funding

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Firms with trading history who would pick National Funding over Cashspace for larger working capital amounts of $6,000 to $500,000 versus €100 to €5,000
  • Operators needing rapid business funding who would pick National Funding over Ibancar Prestamos for business focus rather than personal sums of €600 to €8,000

Who should look elsewhere

  • Borrowers seeking personal use rather than business funding, where Ibancar Prestamos may fit with amounts of €600 to €8,000
  • Borrowers seeking card linked credit rather than a term loan, where AXI Card Tarjeta y Credito may fit with amounts of up to €1,500

Applying and getting the money

Applying centres on amounts of $6,000 to $500,000 with terms of 4 to 24 months and funding at as fast as next business day. You can match requested sums to stock purchases, equipment upgrades or hiring plans, then view repayment length alongside projected cash inflows before you commit. Shorter schedules suit seasonal gaps or invoice timing, while longer schedules within the stated span spread payments across revenue cycles. Because funding arrives at as fast as next business day, you can plan supplier payments, payroll dates or project starts with greater clarity, though bank processing and verification may affect arrival. You should compare amounts of $6,000 to $500,000 against existing debt, revenue trends and reserve buffers, and review terms of 4 to 24 months for payment affordability across slow periods. Early settlement without added fees allows you to reduce borrowing duration if revenue exceeds expectations, which helps you adapt the plan as trading evolves.

Regulation

National Funding operates as a lender of the type described by direct lender and holds licence 603A169 under California Financing Law in the US. That structure means you borrow directly from the named entity rather than through a broker or marketplace, with terms issued and serviced under that licence framework. You should review licence 603A169 alongside current state guidance and confirm coverage for your location and loan purpose before you apply. Lender type described by direct lender also clarifies responsibility for underwriting, funding and servicing, which helps you know where to direct questions on payments, balances or documentation.

Safety and regulation

Safety rests on dealing with a lender of the type shown by direct lender that cites licence 603A169. Direct handling of underwriting and servicing keeps accountability with a defined party, which helps you track repayment schedules, balances and correspondence in a defined channel. You should still review contracts carefully, confirm licence 603A169 remains current for your needs, and keep records of disclosures, payment confirmations and messages. Prudent borrowing also involves assessing revenue stability, reserve levels and alternative funding routes before you commit, so that repayment stays aligned with trading performance.

Who runs it

The operator is National Funding, Inc. based in the United States with origins in 1999 and licence 603A169. Support runs on email and phone only, giving you phone and email routes for queries on eligibility, documentation, payments or balances. Knowing the operator as National Funding, Inc. helps you verify correspondence, statements and agreements against a consistent legal identity. Presence in US with history dating to 1999 provides context on focus and continuity, while licence 603A169 offers a reference point for regulatory checks prior to borrowing.

How National Funding compares

Where National Funding is available

Available
United States
Licence in United States
California Financing Law (603A169), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What amounts can you borrow from National Funding?+

You can request amounts of $6,000 to $500,000. You should align the sum with stock, equipment or hiring plans, review existing debt and reserves, and confirm that projected revenue covers payments across the chosen schedule without strain.

How long are the repayment terms?+

Repayment spans terms of 4 to 24 months. You can match shorter schedules to seasonal gaps or invoice timing and longer schedules within that span to revenue cycles, while checking affordability during slow periods and keeping reserves intact.

How quickly could funds arrive?+

Funding arrives at as fast as next business day. You can plan supplier payments, payroll dates or project starts around that timing, while allowing for verification and bank processing that may affect arrival in your account.

What credit check is used to prequalify?+

Prequalification uses soft prequal. That approach lets you explore eligibility without marking your file at that stage, though later underwriting may involve deeper checks before funds are approved and released to you.

Is National Funding a direct lender or a broker?+

The model is described by direct lender. You borrow directly from the named lender rather than through a broker or marketplace, with underwriting, funding and servicing handled under that direct relationship and its documentation.

How can you contact National Funding for help?+

Support runs on email and phone only. You can use phone and email for queries on eligibility, documentation, balances or payments, and you should keep copies of disclosures, confirmations and correspondence for your records.

What licence covers National Funding activity?+

Activity cites licence 603A169 under California Financing Law. You should confirm that the licence remains current for your location and loan purpose and review state guidance alongside contract terms before you apply.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

National Funding

National Funding

Established firms planning working capital borrowing

9.2/10See alternatives

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