National Funding reviews
National Funding showed a 4.6 TrustScore from 2,208 Trustpilot reviews when we checked in October 2026. Here is how to weigh that rating with what National Funding publishes about its products.
On Trustpilot, National Funding showed a TrustScore of 4.6 out of 5 from 2,208 reviews (checked October 2026). Ratings change over time; read recent reviews, especially the negative ones, before you sign anything.
A rating built on more than two thousand reviews suggests a steady customer experience. It cannot tell you whether a National Funding working capital or equipment offer fits your cash flow, which is why the terms in writing matter more than the score.
| 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.
Owners first ask what National Funding provides. Its homepage describes a direct funder offering working capital, term and short-term loans, inventory and receivables financing and equipment financing. Because it funds directly, the company you apply with is generally the company you repay.
The second question is credit. National Funding does not publish a strict minimum on its homepage; it says most of its customers have a personal FICO of 600 or higher. Owners below 600 may still apply, but should expect that most approvals fall above that level.
Owners ask about amounts. National Funding lists working capital from $6,000 to $500,000 and equipment financing up to $150,000, covering a wide range of small business needs.
Speed is another common question. It advertises same-day approvals and funds as fast as 24 hours, which depends on complete documents.
Time in business and revenue minimums were not published on the homepage we checked, so ask for them before applying.
Equipment financing questions come up often: financing a specific machine is usually priced and structured differently from working capital, so ask for separate quotes if you are deciding between them.
Finally, owners ask how to compare. Convert each National Funding quote into net cash, total repayment, payment amount and frequency, and check prepayment terms.
National Funding suits businesses whose owners have credit around 600 or higher and want working capital or equipment financing from a direct funder. Owners with lower scores, very young businesses or those wanting several funders’ offers at once should compare other providers too.
If you need both equipment and working capital, compare whether one combined approach or two separate products costs less.
Good fit:
Compare first if:
One Merchant Fund Express application is matched with multiple funders, so you can set a National Funding quote beside other written offers on net cash, total payback and payment schedule. Credit from 500, same-day decisions, funding typically the next business day.
A 4.6 TrustScore from 2,208 Trustpilot reviews in October 2026.
Yes, it describes itself as a direct funder.
It says most customers have a personal FICO of 600 or higher.
Working capital $6,000 to $500,000; equipment up to $150,000.
Same-day approvals and funds as fast as 24 hours, it says.
Yes. A Merchant Fund Express application reaches multiple funders.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
