# National Funding

Source: https://businessloanbroker.ai/lenders/national-funding/
Site: BusinessLoanBroker.ai (powered by Levr)

> National Funding has offered US small businesses working capital, equipment financing and equipment leasing since 1999. See who it fits and how to apply.

National Funding is a US small business financing provider that has operated since 1999, focused on working capital and equipment. It funds businesses for inventory, payroll, expansion and new or used equipment, and in certain states its financing is limited to sales based structures, so the product you are offered depends on where you are.

## Key facts
- **Products:** Working capital financing, equipment financing, equipment leasing
- **Company type:** Business financing provider, operating since 1999
- **Operates in:** United States; product structure varies by state
- **Uses:** Inventory, payroll, expansion, new and used equipment
- **Funding range:** Not published
- **Website:** nationalfunding.com

## What does National Funding offer?

National Funding offers [working capital financing](https://businessloanbroker.ai/business-loans/working-capital-loans/) for everyday needs such as inventory, payroll and expansion, and [equipment financing](https://businessloanbroker.ai/business-loans/equipment-financing/) or [leasing](https://businessloanbroker.ai/business-loans/equipment-leasing/) for new and used assets. The profile notes two things to confirm: in certain states its financing is limited to sales based financing, which is a purchase of future revenue rather than a loan, and applicants it cannot fund itself may be matched with a partner. Both mean you should confirm the actual product and provider on your offer.

## Who does National Funding fund, and who do they decline?

National Funding funds US small businesses with operating or equipment needs. The profile does not publish a funding range, revenue minimum, credit score, time in business, industry list or decline criteria.

In practice, working capital products in this category serve businesses that need money within days and may not clear a bank. Equipment financing is underwritten on the asset as well as the business, which can help a company with a shorter history. If your state only allows sales based financing, make sure your cash flow can support the remittance before you accept. Businesses outside the United States are not eligible.

## What does it typically cost and how fast is it?

National Funding does not publish rates or fees; pricing is quoted per file. The profile advises reviewing all fees, the payment frequency and the early payoff terms directly with the provider. For a sales based product, convert the quote with our [APR versus factor rate](https://businessloanbroker.ai/guides/apr-vs-factor-rate/) guide. Typical ranges are on our [working capital](https://businessloanbroker.ai/business-loans/working-capital-loans/) and [equipment financing](https://businessloanbroker.ai/business-loans/equipment-financing/) pages. Funding speed is not published.

## What will you need to apply?

For working capital, expect three to six months of business bank statements, your EIN and formation documents and owner ID. For equipment, add the quote or invoice, vendor details, the asset's age and its intended use. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) has the complete list for both.

## How does National Funding compare with similar lenders?

[CAN Capital](https://businessloanbroker.ai/lenders/can-capital/) has a near identical menu of working capital loans and equipment financing, with its loans made by WebBank. [Kapitus](https://businessloanbroker.ai/lenders/kapitus/) adds revenue based financing and a network for SBA, lines, factoring and purchase order funding, so it covers more needs. The three overlap heavily; compare the quoted total cost, check which entity is the lender on your agreement, and confirm which product your state allows.

## How to apply

Apply once on this site and matching shows whether National Funding, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| National Funding | Working capital, equipment financing and leasing | Not published | United States | US small businesses needing working capital or equipment funding from a long running provider |
| CAN Capital | Working capital loans, equipment financing | Not published | United States | US small businesses needing working capital or equipment through one provider |
| Kapitus | Business loans, revenue based financing, equipment; network for SBA and more | Not published | United States | US small businesses wanting one application that covers several product types |

## Questions and answers
**Is National Funding a direct lender?**

For its core products, yes. The profile notes that applicants it cannot fund may be matched with a partner, so an offer could come from another provider.

**What is sales based financing?**

A purchase of a share of your future sales for a fixed amount, rather than a loan. In some states National Funding only offers this structure. Compare it on total payback, not an interest rate.

**Does National Funding finance used equipment?**

Yes. The profile lists financing and leasing for new and used equipment.

## Related
- [CAN Capital](https://businessloanbroker.ai/lenders/can-capital/)
- [Kapitus](https://businessloanbroker.ai/lenders/kapitus/)
- [Working capital loans](https://businessloanbroker.ai/business-loans/working-capital-loans/)
- [Equipment leasing](https://businessloanbroker.ai/business-loans/equipment-leasing/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-national-funding
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)