Nation Funding Reviews: Loan Requirements, Pros & Cons - Complete 2025 Guide
Flexible Business Loan Options & Terms.
Fast Funding Solutions in as little as 24 hours after approval.
Early Payoff Discounts: Save money by paying off early.
Trisha Smith
5 months ago
Working with Mike Kowal was truly an exceptional experience from start to finish. He was personable, highly responsive, and consistently communicative, taking the time to educate me throughout the entire process so I fully understood what was happening at every step.
What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.
Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.
The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.
Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.
The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
HMP Wholesale
6 months ago
Convenient and aggressively priced rates - beats the market. Craig was great at speeding up the process and making it smooth.
brandon banks
6 months ago
I was able to secure a business loan in an industry that typically has a hard time getting approved. Craig and the team at Upwise made it happen from start to finish. Professional, responsive, and results-driven. A+ experience all around!
Stephanie Terrelonge
7 months ago
Upwise Capital and Daniel Joseph were great in helping me obtain financing and grow my janitorial business. Mr. Joseph is quick, efficient and professional. Funding was complete in just a few hours. Daniel is very detailed and easy to work with. He stuck with me from beginning to end. Thank you Upwise Capital and Daniel for helping to expand my business. I appreciate all your help.
AA Fishing Charter Aquaholics Aknotymous
8 months ago
The rates for loans are horrible, and if you disagree with them, they get angry and hang up on you lol. It is clear they are in business to get the best deal for themselves, not the customer. Leo Lamb, one of their funding managers comes across like a used car salesman. When I called them out for their shady practices, he got very aggravated.
Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
Jonathan F
2 years ago
Timely efficient, def would work with again, made the processs easy
Hatchet's & More
2 years ago
ETC 4 DISPATCH Logistics
2 years ago
Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Nothing But Hemp
2 years ago
Donna Essner
2 years ago
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Merideth Cann
2 years ago
Leo provided a very quick turn around and is a pleasure to work with !
Alba De La Cruz
2 years ago
I worked with Leo. He is very attentive and professional.
Mohamed Khanafer
3 years ago
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
Tammy Sockwell
3 years ago
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,
Upwise
Upwise
Sharon Johnson
3 years ago
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
Mike Maffei
3 years ago
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.
Niyetroshia Thomas
4 years ago
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!
National Funding: Key Features and Services
National Funding, based in San Diego, California, is an alternative lender that specializes in providing small business loans to entrepreneurs across various industries. Known for its fast funding and flexible loan terms, National Funding helps business owners secure the capital they need to expand operations, manage cash flow, or invest in equipment. With over $4.5 billion funded since its inception in 1999, National Funding caters to businesses that may not qualify for loans with traditional banks.
Quick Facts About National Funding:
- Founded: 1999
- Loan Products: Business term loans, working capital loans, equipment financing, and leasing
- Loan Amounts: $5,000 to $500,000
- Funding Speed: As fast as 24 hours
- BBB Rating: A+
What You’ll Learn in This Review:
- What is National Funding?
- How does National Funding work?
- Loan products, terms, and eligibility requirements
- Pros, cons, and comparisons with other lenders
- Frequently Asked Questions (FAQs)
What is National Funding?
National Funding is a leading small business loan provider that offers a range of financing options to meet the needs of small business owners. Their fast and flexible funding solutions include business term loans, working capital loans, and equipment financing, all tailored to help businesses grow and thrive. National Funding’s services feature an easy online application process, rapid funding approvals, and flexible repayment options.
Available Loan Products:
- Business Term Loans: For business growth, managing expenses, or hiring staff.
- Working Capital Loans: Short-term funding for operational needs.
- Equipment Financing and Leasing: Purchase or lease equipment to keep your business competitive.
Industries They Serve:
National Funding serves a wide range of industries, including:
- Retail
- Construction
- Manufacturing
- Healthcare
- Hospitality
How Does National Funding Work?
National Funding simplifies the business loan process by offering a quick turnaround time and an easy application process. Their technology-driven approach allows business owners to apply online and receive funding in as little as 24 hours.
Key Features of National Funding’s Process:
- Fast Approval: Prequalify without impacting your credit score.
- Flexible Terms: Loan terms and amounts tailored to your business needs.
- Personalized Support: A dedicated funding specialist helps guide you through the process.
National Funding’s commitment to speed and flexibility makes them an ideal choice for businesses needing immediate access to capital.
National Funding Business Loans
Business
Term Loans
- Loan Amounts: $5,000 to $500,000
- Repayment Terms: Up to 15 months
- Uses: Business expansion, hiring, marketing, or covering operational costs.
National Funding’s business term loans are designed for small business owners looking for predictable monthly payments and a fixed repayment schedule.
Working Capital
Loans
- Loan Amounts: Up to $500,000
- Repayment Terms: Flexible short-term options.
- Uses: Managing cash flow, purchasing inventory, or covering unexpected expenses.
These loans provide quick access to cash, making them ideal for short-term needs or growth opportunities.
Equipment Financing
and Leasing
- Loan Amounts: Up to $150,000
- Repayment Terms: Tailored to the lifespan of your equipment.
- Uses: Purchasing or leasing machinery, vehicles, or tools necessary for business operations.
National Funding’s equipment financing helps businesses stay competitive by upgrading or replacing outdated equipment.
National Funding Requirements
Here is the basic criteria your business must meet for National Funding requirements:
- Business Age: At least six months in operation.
- Credit Score: Flexible; lower credit scores may still qualify.
- Required Documentation: Business bank statements and additional financial records.
- Minimum Annual Revenue:Â National funding sets a high minimum annual revenue requirement of $250,000 or more, depending on the loan type, to ensure that only established businesses with significant income can qualify.
What you Need to Know
A few things to know when considering National Funding business loans:
- Fees and interest rates vary depending on the loan type and borrower’s credit profile.
- Offers early payoff discounts, allowing borrowers to save on interest costs.
- Short-term repayment options, with most loans lasting up to 15 months.
How to Apply to National Funding
National Funding Application Process
Step 1: Complete the Online Application
- Fill out a short application on the National Funding website.
- Submit basic business details, including your annual revenue and business bank account information.
Step 2: Review with a Funding Specialist
- Work with a dedicated funding specialist to discuss your options.
- Review loan terms, repayment schedules, and interest rates.
Step 3: Accept the Funding Offer
- Choose the best loan product for your business.
- Receive funds within 24 hours after approval.
Pros & Cons of National Funding
PROS
CONS
Apply Now for Business Financing
- Access term loans, lines of credit, working capital & more
- Secure the terms and conditions that make sense for you
- Apply for working capital and cash flow funding to cover inventory, marketing and operations
Stay ahead of the curve - get access today!
Upgrade your capabilities with specialized financing for almost any industry.
Why Choose Upwise Capital
Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of business line of credit lenders. This means you're more likely to find the best match for your funding needs.
Is National Funding Legit?
Yes, National Funding is a legitimate lender with over 20 years of experience in helping small business owners secure financing. Their A+ Better Business Bureau rating and positive customer satisfaction reviews make them a trusted choice for business loans and equipment financing.
If National Funding doesn’t meet your needs, consider exploring Upwise Capital for alternative financing options tailored to your business goals.
National Funding Frequently Asked Questions - FAQ
What other lenders compare to National Funding?
- OnDeck: Offers faster funding but with higher rates for borrowers with lower credit scores.
- BlueVine: Specializes in lines of credit, making it better for businesses needing revolving credit.
- Fundera: Provides a marketplace for comparing multiple lenders but doesn’t offer personalized service like National Funding.
What Happens After Applying with National Funding?
After submitting your application, a funding specialist will work with you to determine the best loan product for your business. Once approved, funds can be deposited into your account within 24 hours.
Does National Funding report to credit bureaus?
Yes, National Funding reports your repayment activity to credit bureaus, which can help build your business credit profile.
How do I manage my loan with National Funding?
National Funding provides online tools and a dedicated customer service team to help manage your loan, track payments, and answer any questions.
What are National Funding’s renewal options?
Borrowers in good standing may qualify for loan renewals or additional funding.
National Funding: Final Verdict
Who Should Consider National Funding?
- Businesses needing fast access to capital for short-term needs.
- Small business owners with lower credit scores.
- Companies looking for equipment financing or leasing options.
Who Should Look Elsewhere?
- Businesses needing longer repayment terms.
- Startups or companies with less than six months in operation.
Tips for Success with National Funding
- Ensure your business bank account and financial records are up-to-date before applying.
- Take advantage of early payoff discounts to save on interest costs.
- Work closely with a funding specialist to understand your loan terms.
- Compare other funding options to ensure you’re getting the best deal for your business.
Disclaimer:Â National Funding trademark is owned by National Funding, LLC. dba National Funding and its use herein is for reference purposes only. This does not indicate sponsorship or endorsement from National Funding, LLC.