National Funding, Inc.

National Funding is a San Diego, California-based private lender that provides small business financing to companies across the United States. Founded in 1999, it offers a range of working capital and equipment finance products to small and medium-sized businesses that may not qualify for or prefer not to use traditional bank loans.

National Funding's core products include short-term business loans, merchant cash advances and equipment financing. Short-term business loans provide a lump sum that is repaid over a period of months through regular fixed payments. Merchant cash advances provide an upfront sum in exchange for a percentage of future daily card sales until the advance plus a fee is repaid. Equipment financing helps businesses acquire machinery and tools by spreading the purchase cost over time.

National Funding positions itself as an accessible option for businesses that need funding relatively quickly and may not have the credit profile required by a bank. The application process is primarily online and approval decisions are often made within a day or two.

As with most non-bank lenders offering fast, flexible financing, the cost of borrowing from National Funding is generally higher than bank loans or SBA-backed financing. Merchant cash advances in particular can carry a high effective cost of capital, and business owners should carefully calculate what they are paying before accepting an offer.

National Funding serves businesses across most industries and states. It is best suited to businesses with established revenue that need financing quickly or have been declined by conventional lenders. Before committing, always compare the full cost of a National Funding product against alternatives including your bank, a credit union, SBA loan programs and other online lenders.