Is National Funding a direct funder or a broker?

National Funding is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue National Funding will fund?

National Funding's published floor is $10,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can National Funding fund?

National Funding's public speed quote is Funding in 24-72 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to National Funding or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including National Funding, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

National Funding Review 2026 — Rates, Terms, Honest Verdict

Best for: Established alternative lender with broad industry acceptance. Amount range: $5,000 – $500,000. Speed: Funding in 24-72 hours. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

National Funding ranks #39 in our 2026 funder ranking. Best for small to mid-sized merchants ($10k-$50k/mo) wanting a direct alternative lender with multiple product options. The strength: $4B+ funded since 1999. The watch-out: Sales process can include aggressive outreach.

National Funding rate card 2026

Category	MCA + multi-product
Best for	Established alternative lender with broad industry acceptance
Amount range	$5,000 – $500,000
Cost (factor / APR)	Factor 1.18 – 1.45; equipment APR 10-25%
Speed to fund	Funding in 24-72 hours
Min time in business	6 months
Min monthly revenue	$10,000
Min credit score	550+

The strength — what National Funding does better than anyone

$4B+ funded since 1999. Multi-product (MCA, equipment financing, term loans). Broad industry acceptance. Direct lender — no broker markup. Strong fit for newer businesses (6+ months TIB acceptable).

The watch-out — what National Funding doesn't put in marketing

Sales process can include aggressive outreach. Factor rates not always among the lowest. Equipment financing terms vary widely by deal.

Who National Funding is best for

Small to mid-sized merchants ($10K-$50K/mo) wanting a direct alternative lender with multiple product options.

Who shouldn't apply

Merchants ranking solidly above National Funding's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from National Funding actually makes sense.

How National Funding compares to the rest of the top 10

Funder	Category	Cost	Speed
National Funding (this funder)	MCA + multi-product	Factor 1.18 – 1.45; equipment APR 10-25%	Funding in 24-72 hours
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask National Funding before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is National Funding a direct funder or a broker?: National Funding is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue National Funding will fund?: National Funding's published floor is $10,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can National Funding fund?: National Funding's public speed quote is Funding in 24-72 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to National Funding or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including National Funding, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's National Funding's biggest weakness vs alternatives?: Sales process can include aggressive outreach. Factor rates not always among the lowest. Equipment financing terms vary widely by deal.

National Funding — honest 2026 review.