National Funding reviews




Funding Speed


Advance Amount and Fees




Service and Support



  • 20-year track record in business.
  • Funding as fast as 24 hours.
  • Offers funding options for a wide variety of different businesses.
  • Provide equipment financing as well as online small business loans.
  • One application to fill out.


  • Hard to find info on fees (not forthcoming).
  • Does not offer same day funding.
  • Don’t offer accounts receivable factoring.

National Funding Reviews

See above info for National Funding Reviews. If you are a current or former National Funding customer, we’d like to hear from you. How was your experience? Are you a repeat user?

National Funding is an alternative lender, based in San Diego, California. Founded in 1999 (an eternity in the space) this fintech veteran is still enjoying robust growth. In a press release, they revealed an uncanny revenue growth of nearly 60% per annum. In total, National Funding has provided over $2 billion in funding to over 35,000 small businesses nationwide.

National Funding offers businesses several financing options including working capital loans, merchant cash advances, lines of credit and equipment financing and leasing.

Their requirements to obtain small business funding are pretty mild. For their online business loans, applicants must have at least $10,000 in annual gross sales, been in operation for at least one year and able to pride prior 3-months of bank statements.

If approved, new business customers have a dedicated loan advisor to help navigate the process. The loan proceeds, up to $1 million, can be used in any way the borrowing company chooses, not just for net working capital.

How is National Funding Different from Factoring Companies?

While National Funding is not a factoring company, they still help businesses experiencing cash flow shortfalls or constraints stemming from high-growth.

They also assist certain industries that are not typical factoring customers like restaurants, dental practices, retail shops and salons. This is partly because these businesses deal in the business-to-consumer (B2C) space, not the B2B space. Further, many of the customers in these industries utilize credit cards for payment, lending themselves perfectly to merchant cash advances (which National Funding provides).

But there are some similarities between factoring companies and National Funding. First, they both provide funding to improve cash flow for operations. More specifically, they get their funding from similar sources. Wells Fargo Capital Finance has helped financially back National Funding for years now.* 

This division at Wells has a history of providing the financing for a number of invoice factoring companies and other alternative funding companies. This has helped National Funding assist companies nationwide. In Texas and Florida alone, National Funding has provided over 10,000 small businesses with over a quarter of a billion dollars in funding since their inception.

National Funding Pros and Cons

In addition to the National Funding reviews above, we reiterate the key pros and cons:

Main Pros:

·       20-year track record in business.

·       Funding as fast as 24 hours

·       Offers funding options for a wide variety of different businesses.

·       Equipment finance  and lease services.

·       Provides access to accounts receivable financing.

 Main Cons

·       Hard to find info on fees (not forthcoming). 

·       Does not offer same day funding.

·       Don’t offer invoice factoring.


For more information on National Funding:

Who Uses National Funding?

Where does their funding come from?

Do they offer specialty financing options?