National Funding requirements
What National Funding publishes about who qualifies, checked October 2026: most customers have a personal FICO of 600 or higher; time in business and revenue minimums were not on its homepage.
National Funding describes its typical customer rather than a hard minimum. Ask for the exact requirements for the product you want.
| 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.
The statement that most customers have a personal FICO of 600 or higher suggests that 600 is a practical benchmark. Owners below it may still be considered, but should prepare strong statements and compare alternatives.
Time in business and revenue minimums were not on the homepage we checked. Ask directly, since many funders set floors for both.
Working capital runs from $6,000 to $500,000. Where your offer lands within that range depends on revenue, credit and existing obligations.
Equipment financing up to $150,000 typically requires a quote or invoice for the equipment, and may involve different criteria than working capital.
Prepare complete bank statements, owner ID, business details and, for equipment, the vendor quote. List any existing advances or loans with balances and payments.
If you are unsure which product fits, describe the use: a one-time equipment purchase, a seasonal inventory build or a payroll gap.
Reading “most customers have 600 or higher”: this describes typical approvals, not a hard floor. An owner at 580 may still apply, but expect fewer or costlier options; above 650, expect more.
Illustrative example: a landscaping company requesting $40,000 in working capital and a $60,000 mower purchase could see both under National Funding’s products, working capital $6,000 to $500,000 and equipment up to $150,000.
Time in business and revenue minimums were not published on its homepage, so ask directly.
Equipment requests can be evaluated with the equipment as collateral.
Applicants below 600 should still ask; typical customers are not a strict floor.
Owners well below 600, or who prefer published minimums before applying, should compare providers with explicit floors. Merchant Fund Express publishes a 500 credit minimum and matches one application with multiple funders.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from National Funding’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
It says most customers have a personal FICO of 600 or higher.
Not on its homepage when we checked.
$6,000 to $500,000.
Typically a vendor quote plus business information; ask for specifics.
Compare providers with lower published floors.
It says most customers have 600 or higher, which describes typical customers.
Yes, per its pages.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
