National Funding
alternative-lending · USNational Funding has built its reputation in the alternative small business lending market on three differentiators: early payoff discounts that reduce total cost for businesses that repay ahead of schedule, a dedicated funding manager model where each client works with the same advisor throughout the relationship, and 25 years of lending experience across economic cycles. The company has funded over $4.5 billion to more than 75,000 small businesses since 1999. National Funding specializes in working capital loans and equipment financing, with loan amounts from $5,000 to $500,000 and equipment financing up to $150,000. Its qualification requirements are flexible relative to banks — businesses with at least 6 months in operation and $250,000 in annual revenue can qualify. National Funding's early payoff discount program rewards businesses that repay loans ahead of schedule with reduced total costs — an unusual feature in the alternative lending market. Business loans are subject to approval — verify current rates directly with National Funding.
Quick Answer
National Funding is designed for smb businesses. Pricing starts at $0/mo. Best suited for US-based businesses. Early payoff discount is unique — most alternative lenders charge the same regardless of repayment speed
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Early payoff discount — reduces total cost for businesses repaying ahead of schedule
- •Dedicated funding manager for each client throughout the lending relationship
- •Working capital loans from $5,000 to $500,000
- •Equipment financing up to $150,000
- •25 years of lending experience since 1999
- •Over $4.5 billion funded to 75,000-plus businesses
- •Funding in as little as 24 hours for qualifying applicants
- •Flexible qualification — 6 months in business and $250,000 annual revenue
Pros
- +Early payoff discount is unique — most alternative lenders charge the same regardless of repayment speed
- +Dedicated funding manager model provides consistent point of contact throughout relationship
- +25-year track record provides confidence unavailable from newer alternative lenders
- +Fast funding — 24-hour processing for qualifying applicants
- +Equipment financing available alongside working capital from one provider
- +Flexible qualification accessible to businesses 6 months or older with $250K revenue
Cons
- −Factor rates on working capital loans are higher than bank loan APRs
- −$250,000 minimum annual revenue excludes very early-stage businesses
- −Short loan terms mean higher effective costs than longer-term bank financing
- −US only
- −Less suitable for businesses needing lines of credit rather than term loans
- −Business loans subject to approval — verify current rates directly with National Funding
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Compare NowReviewed by Finatune · Last updated 2026-07-01