is a small business loan company and an equipment leasing company fully committed to helping the small business owner prosper and our community win.
National Funding serves the small business community nationwide by offering a range of financial services and products. Since 1999, we have worked with business owners in hundreds of communities and industries to help them expand and upgrade. As we have grown, so too has our product line, and now we are one of the countrys largest private lenders of small business loans. Our customers come to us for theirworking capitalandequipment financingneeds. We take every opportunity to help strengthen small business owners and pride ourselves on being a resource they can trust.
National Funding is a pioneer in alternative lending, but more importantly, were an ally for the small business owner. National Funding started from humble beginnings in California. We persevered during our share of ups and downs, and weathered challenging economic cycles. We built a respected environment from the ground up one which fosters stability, togetherness and pride in what we do and who we are.
Our core values are as much a part of our daily life today as they were when we first opened our doors in 1999. Hard work, ethics, mutual respect and transparency are what drive us everyday in helping small business owners.
Today, our goal-oriented focus allows us to thrive as a notable privately owned business with the leadership and experience to inspire others. We empower our customers and employees, and we take every opportunity to evolve our people, enrich our community and strengthen small businesses.
National Funding believes in American small business owners. Its how our company started, too. So we know that everyone we deal with has a dream to succeed and grow their business. Thats why we see the opportunity to help thousands of businesses with loans and leases, and have pledged to provide the resources needed to meet any demand. So while we have expanded our business significantly, we still see huge room for growth. Whether its new products, new services, or new people, were committed to investing in the future. But do not just take our word for it; read some of ourcustomer reviews and testimonials.
Our loan specialists are trained to listen to our prospects and customers and structure a solution that fits their needs for timing and budget. We work with thousands of businesses in hundreds of different industries. Every customer is unique, and therefore so is every solution. Our people know our products, to be sure, but they also know and understand our customers needs as well. Fast turnaround as few as 24 hours1 flexible solutions and great service a combination that we strive to deliver to everyone.
National Funding is proud of our corporatesponsorshipsof the San Diego Padres, USC Trojans and others. We are committed to supporting the small business community in San Diego and the Southern California region. We hope that our involvement with these organizations helps benefit both the region and its many small business owners.
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
Equipment Financing: payments are remitted monthly with terms of 2-5 years
Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
TheSection 179 Tax Deductionallows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions – up to $1,000,000. Consult your tax professional for more details.
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing companys or banks payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing companys or banks monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing companys or banks signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.
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Any applications submitted electronically shall have the same force and effect as if the application bore an inked original signature(s). The above information, together with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining credit and is warranted to be true, correct, and complete.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and business that seeks a business loan. What this means for you: When you apply for a loan, we will ask for your business name, address, and Tax Identification Number. We will also ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.
The Merchant and Owner(s)/Officer(s) identified in the application (individually, an Applicant) each represents, acknowledges and agrees that (1) all information and documents provided to National Funding, Inc. (NF) including credit card processor statements are true, accurate and complete, (2) Applicant will immediately notify NF of any change in such information or financial condition, (3) Applicant authorizes NF to disclose all information and documents that NF may obtain including credit reports to other persons or entities (collectively, Assignees) that may be involved with or acquire commercial loans having daily repayment features and/or Merchant Cash Advance transactions, including without limitation the application therefor (collectively, Transactions) and each Assignee is authorized to use such information and documents, and share such information and documents with other Assignees, in connection with potential Transactions, (4) each Assignee will rely upon the accuracy and completeness of such information and documents, (5) NF, Assignees, and each of their representatives, successors, assigns and designees (collectively, Recipients) are authorized to request and receive any investigative reports, credit reports, statements from creditors or financial institutions, verification of information, or any other information that a Recipient deems necessary, (6) Applicant waives and releases any claims against Recipients and any information-providers arising from any act or omission relating to the requesting, receiving or release of information, and (7) each Owner/Officer represents that he or she is authorized to sign this form on behalf of Merchant.(8) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (9) this request is for business and not for consumer purposes.
I hereby certify: (1) the information provided is true and correct, (2) you are hereby authorized to investigate all bank, credit, and trade references, and said references are hereby authorized to release any requested information to you or your nominee, (3) such authorization shall extend to obtaining personal credit profile in considering this application and subsequently for the purposes of update, renewal or extension of such credit or additional credit and for reviewing or collecting the resulting account, (4) this information may be transmitted by us to you and by you to underwriter(s) for the purpose of granting me credit, either electronically or manually, and that by submitting this application, I take full responsibility for transmission thereof, (5) I am over 18 years of age, (6) I acknowledge my rights under the Fair Credit Reporting Act, (7) I consent to receive direct mail, faxes, text-messages, and e-mails sent by National Funding and its affiliates for the purposes of transmitting account updates, requests for information and notices, and (8) this request is for business and not for consumer purposes.
By providing my wireless phone number to National Funding, Inc., I agree and acknowledge that National Funding, Inc. may send text and multimedia messages to my wireless phone number for any purpose. I agree that these text or multimedia messages may be regarding the products and/or services that I have previously purchased and products and/or services that National Funding, Inc. may market to me. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive text or multimedia messages from National Funding, Inc to my wireless phone number.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into the binding contract); because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If for any reason your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please write to National Funding Inc., 9820 Towne Centre Drive, San Diego, California 92121. Funding amount and credit approval is subject to a full credit profile review.
Products offered by National Funding and affiliates are business loans only. The products may be provided by third parties and subject to lender approval. In California, loans made or arranged pursuant to a California Financing Law License.