National Funding Review 2026

National Funding is a flexible funder with high approval rates and a diverse product suite. Known for working with industries that traditional lenders decline, including restaurants and trucking.

What National Funding Offers

National Funding provides the following funding products for small and medium-sized businesses:

• Merchant Cash Advance
• Term Loan
• Equipment Financing

• Amount: $5,000 - $500,000
• Factor Rates: 1.1 - 1.5
• Funding Time: 1-2 business days

National Funding Requirements

• Credit Score: 500+ personal credit score
• Time in Business: At least 6 months
• Monthly Revenue: $8,000+ minimum

National Funding Pros

• 500+ credit score accepted
• Multiple products
• Restaurant and trucking friendly

National Funding Cons

• Higher cost for lower credit profiles
• Factor rates can be high
• Renewal process can be aggressive

Who Should Use National Funding?

• Businesses with credit scores of 500 or above
• Companies with at least $8,000 in monthly revenue
• Businesses operating for 6+ months
• Those looking for Merchant Cash Advance or Term Loan

How to Apply

The application process is straightforward. You can apply directly through National Funding or through Velica Capital to compare multiple offers at once with no impact to your credit score.