Companies like National Funding
Companies similar to National Funding, compared from their public pages in October 2026, for owners shopping working capital and equipment financing.
National Funding is a direct funder with working capital and equipment financing. Similar providers include other direct funders, online lenders and marketplaces.
Fora Financial is a direct funder offering loans, lines and revenue advances, with reported minimums of 570 credit and six months in business.
Rapid Finance is a direct funder with broad products, including lines, loans, MCAs, SBA, factoring and asset-based loans, and reported MCA access from 500+.
Credibly offers working capital, MCAs, lines and equipment, with a published 500+ floor and $15,000 monthly revenue requirement.
OnDeck and Kapitus lean toward stronger profiles, with published or reported minimums of 625 and 650 respectively, offering term loans and lines.
Marketplaces such as Merchant Fund Express let one application reach multiple funders, useful when you want to compare a direct funder quote with alternatives.
For equipment specifically, compare National Funding’s equipment option with dedicated equipment lenders as well.
Similar on equipment financing: Credibly and Rapid Finance also list equipment or asset-based products. Similar on working capital and speed: Fora Financial and Credibly.
Illustrative comparison: a business needing $120,000 in equipment fits National Funding’s up-to-$150,000 equipment range; at $200,000 it would need a provider with a higher equipment limit.
Credit floors vary: Credibly publishes 500+, Fora is reported at 570, and National Funding says most customers have 600 or higher.
Speed is similar across this group: National Funding, Credibly and Fora all describe same-day or next-day timelines with complete files.
Ask each about equipment limits.
| National Funding | |
|---|---|
| How it works | Direct funder |
| Minimum credit | "Most of our customers have a personal FICO of 600 or higher" |
| Time in business | Not published on homepage |
| Revenue | Not published on homepage |
| Amounts | Working capital $6,000–$500,000; equipment up to $150,000 |
| Speed | Same-day approvals; funds as fast as 24 hours |
| Products | Working capital, term, short-term, inventory, receivables, equipment financing |
| States | Not published |
Sources: National Funding homepage, Trustpilot; checked October 2026. National Funding is a trademark of its owner; Merchant Fund Express is not affiliated.
Shortlist providers whose credit and history minimums match your profile, ask each for a written offer for the same product and compare total repayment, payment frequency, fees and prepayment terms.
Good fit:
Compare first if:
Instead of applying to National Funding and each similar company separately, one Merchant Fund Express application is matched with multiple funders. Credit from 500, same-day decisions, funding typically the next business day.
Fora Financial, Rapid Finance, Credibly, OnDeck, Kapitus and marketplaces like Merchant Fund Express.
Credibly and Merchant Fund Express publish 500.
National Funding and Credibly list equipment financing.
OnDeck publishes 625; Kapitus is reported at 650.
Total repayment, payment frequency, fees and prepayment terms.
Credibly lists equipment; Rapid Finance lists asset-based loans.
Several describe same-day or next-day timelines.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
