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Home / Money & Finance / Business Loans / National Funding
7.8 Tested Aug 20, 2026 by Team RankingRight

National Funding (Equipment financing) review 2026

Finances the machine and secures the loan against it, so credit requirements are softer than an unsecured loan of the same size

National Funding National Funding
Manufacturer product image from d1imsr4vyomrut.cloudfront.net, used to illustrate our review of the product; copyright remains with the manufacturer.
PriceFrom $0 · checked Sep 11, 2026
Typical APR20–50%
Minimum credit score600

Is the National Funding Worth It?

Best for equipment financing. Securing the loan against the machine is what makes this work for businesses a bank would decline. Insist on an APR before signing anything quoted as a factor rate.

National Funding Pros & Cons

Pros
  • The equipment itself is the collateral, so a 600 score can still finance a $100,000 machine
  • Up to $150,000 for equipment with no separate down payment on some deals
  • Early payoff discounts on working capital loans
  • Funds in a day or two
Cons
  • Quotes factor rates, not APRs — convert before comparing
  • $250,000 minimum annual revenue
  • Working capital rates are high

National Funding at a Glance

7.8 Editor Score
True cost of borrowingThe APR, not the factor rate or the "fee" — we converted every offer to an annual rate on the same $100,000 over 24 months, and counted origination, draw and prepayment charges.
20/30
Who can qualifyMinimum credit score, time in business and revenue, and whether a personal guarantee or lien is required.
22/25
Speed & processApplication length, documents required, time to decision and time to funds in our tests of the public process.
13/15
Terms & flexibilityAmounts, term lengths, repayment frequency, and whether paying early saves you money.
12/15
TransparencyWhether rates and fees are published before an application, and how clearly the total repayment is shown.
11/15
Reader ratingNo reader ratings yet — not part of the score
–

Rubric v1: True cost of borrowing 30 · Who can qualify 25 · Speed & process 15 · Terms & flexibility 15 · Transparency 15. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

National Funding — $0

Best priceVisit Site

National Funding specifications

Typical APR rangeRoughly 20%–50% APR equivalent
AmountsUp to $500,000
Minimum credit score600
Minimum annual revenue250000 USD
Minimum time in business6 months
Time to funds24–48 hours
SBA lenderNo
Publishes ratesFactor rate only
Personal guaranteeEquipment secures the loan

Why it scored 7.8

Securing the loan against the machine is what makes this work for businesses a bank would decline. Insist on an APR before signing anything quoted as a factor rate.

Where it loses

Rate transparency.

Still the right pick for

Trades and manufacturers buying equipment.

What owners say

No reader ratings yet. This block fills in from real submissions only — we never write, buy or generate reader reviews, and none of them touch the editor score.

Changelog: Sep 11 — rank 7 → 8 · all changes

National Funding7.8 · $0
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