Small Business Financing

Small business financing options to meet the needs of a growing business

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How Business Financing Loans Can Work for You

Restaurants, design firms and construction companies all need business financing. No matter what type of business you run, you’ll probably need financing at some point. Small business financing helps owners take their business to the next level. Whether you need to cover immediate costs or need cash to expand opportunities, business loans can help you get your business where you want it.

High Approval Rates icon

High Approval Rates

  • Financing through an alternative lender makes it easier to get the capital you need
  • Get the money you need for your business fast with quick decisions and loan funding
Flexible Repayment Terms icon

Flexible Repayment Terms

  • A customized loan can offer a variety of payment options
  • We help you set up a loan program that works best for your business and situation
Pay for the Unexpected icon

Pay for the Unexpected

  • Use funds to repair broken office or business equipment
  • Pay for unusually high tax bills using small business financing
Take Advantage of Opportunities icon

Take Advantage of Opportunities

  • Acquire funding for an expansion opportunity to a new location
  • Invest in marketing and advertising to reach new customers

How to Apply

It’s easy to apply for small business financing options through National Funding. With $250,000 in annual sales and 6 months in business, the process is easy:
How to Apply steps

How Does a Business Financing Loan Work?

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Helpful Loan Guidance

Helpful Loan Guidance

A Funding Specialist will contact you to help you choose the right business financing option.

Quick Decision, Fast Funding

Quick Decision, Fast Funding

You could be approved, and funds deposited into your account, in as little as 24 hours.1

What Customers Are Saying

JoChas Moving & Delivery - Joann Johnson's Story

Joann Johnson, Owner

JoChas Moving & Delivery

When a family of former NFL players wanted to move its business to the big leagues, they wanted a funding partner that provided a caring, personalized approach to small business financing. They turned to National Funding to help kick off their growth, and have had a “special” partnership ever since.

Why National Funding?

Whether you’re a general contractor or run an office, we understand your business challenges. With a friendly, customized approach to the challenges of your unique business, we’ll help you find the financing solutions to solve them.

Simple, Fast Application Process

Simple, Fast Application Process

No-cost, no-obligation application and funding with a quick turn-around.1

A Trusted Lending Partner

A Trusted Lending Partner

Supporting 75,000+ businesses nationwide with over $4.5 billion in funding.

Dedicated Funding Specialists

Dedicated Funding Specialists

Our Funding Specialists care about your success and guide you to the right loan to get the funds you need.

High Approval Rates

High Approval Rates

Even if you’ve been turned down elsewhere, there’s still a great chance we can get you the business capital.

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments3

We Know Your Business

We Know Your Business

Experience supporting all types of businesses

Small Business Financing Resources

Applying for business financing can be confusing. At National Funding, we want to give you the tools you need to make smart financing decisions. Check out our list of helpful resources to learn more about your financing options.

Small Business Grants vs. Small Business Loans: What to Consider

Small Business Grants vs. Small Business Loans: What to Consider

Business grants allow you to receive funds for your business that don’t have to be repaid. Sound too good to be true? Most business grants don’t give you quick access to funds you need. Learn more about business grants and how other business financing options may be a better solution.

What You Need to Know About SBA Loans – And Why You May Need a Backup Plan

An SBA loan is a business loan guaranteed by the Small Business Administration. However, SBA loans tend to have strict requirements. Read this article to learn more about SBA loans and what other options are available.

4 Myths About Short-Term Business Financing for Small Business Owners

4 Myths About Short-Term Business Financing for Small Business Owners

As a business owner, you’ve probably heard many stories about the difficulties of getting a business loan. This post looks through the common myths about short-term business financing. Learn more about short-term business loans and how they can help your business.

A Guide to Loan Financing Options When Your Cash Flow Dries Up

Most businesses face a shortage of cash flow at some point. The slow season, a major investment or emergency repairs can quickly deplete cash reserves. This article looks at the reasons you might need extra cash and your business financing options.

Unsecured vs Secured Business Loans: What's the Difference?

Unsecured vs Secured Business Loans: What's the Difference?

The difference between secured and unsecured business loans can be summed up in a single word: collateral. Lenders obviously want to be sure to get their money back, so they will try to minimize their risks. For a secured business loan, a borrower pledges a valuable business or personal asset — such as real estate, business equipment, a vehicle, inventory or accounts receivable — as collateral. The collateral lowers the lender’s risk of losing money because it can sell the asset for cash if a borrower defaults on a loan.

How to Do a Cash Flow Analysis

Cash flow is a crucial measurement of your company’s financial health. Without a healthy cash flow, you may struggle to pay your vendors and staff. Knowing how to do a cash flow analysis can help you avoid these financial pitfalls. This guide can walk you through the steps and the benefits of this calculation.

FAQ: Small Business Financing

Searching for a loan for your business can leave you with a lot of questions. We want you to be prepared to find the best financing solution for your business, so we rounded up some of the most common questions about business financing.

How much money do you need to put down for a business loan?
One of the best parts of business financing through National Funding is no down payment requirement. You can get the business loan you need without depleting cash reserves for a down payment.
Do I need a business plan to get business financing?
Whether or not you need a business plan to get a loan usually depends on your lender. Alternative lenders like National Funding don’t usually require more than a few months of bank statements.
What is collateral and do I need it for business financing?
Collateral is an asset or assets used to guarantee a loan. For example, when you take out a home loan, your house is the collateral. Business financing options from National Funding don’t require collateral.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.


Trustpilot rates 5 out of 5

Based on 1,591 Reviews

Trustpilot rates 5 out of 5May 03

Extremely professional 5 star service

Extremely profesional 5 star service The executive Darren Aliff Super professional and very kind. Good job!!

Eduardo Torbay

Trustpilot rates 5 out of 5Apr 27

Awesome funding source

Awesome funding source. Prompt, courteous and very reasonable rate. We will be using your services again.

Anita Loyd

Trustpilot rates 5 out of 5Feb 21

Darren Aliff made our process very easy

Darren Aliff made our process very easy & smooth. We went over everything & the company gave us the best terms.

Yami Cabrera

Trustpilot rates 5 out of 5Jan 25

Absolutely the best service

Absolutely the best service. Ashley Witte was amazing and we see ourselves returning to use her services when we expand.

CoffeeLab Evanston