National Funding is known for small-business loans and equipment financing. Here's a fair, side-by-side look so you can choose what actually fits your business.
| ShopFunders | National Funding | |
|---|---|---|
| Funding model | Marketplace — we shop multiple funders for you | Direct lender |
| Decision speed | Decision in 24 hours | Varies by file |
| Collateral / personal guarantee | Not required on core products | Equipment financing is secured by the equipment; working capital is revenue-based |
| Time in business | 6+ months | Often looks for 6 months to 1 year |
| Products | Working capital, term loans, lines of credit, equipment financing | Working capital, equipment financing |
| Best for | Owners who want speed, options, and a real shot with shorter history or thinner credit | Businesses financing equipment or seeking working capital from an established lender |
National Funding is one lender with one credit box. We're a marketplace — one application gets shopped across multiple funders, so you compare real offers instead of taking a single answer.
When a single lender declines, you're done. When one funder in our network passes, we route your file to the next — newer or thinner-credit businesses often still get funded.
Decision in 24 hours, funding in as little as 24–72 hours after you sign. No credit check to apply — see your options.
If you're specifically financing a large piece of equipment and want it structured as a dedicated equipment loan or lease from one lender, National Funding has deep experience there.
This comparison reflects publicly available information about National Funding and general industry positioning as of 2026. National Funding's products, rates, and requirements change — confirm current terms on National Funding's official website. National Funding is an independent company and is not affiliated with or endorsed by ShopFunders. All trademarks belong to their respective owners.
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Apply in about 2 minutes. No collateral. No credit impact to apply. One application, multiple funders.
Apply Now →$10K+/mo revenue · No collateral · Funds in 24–72 hrs