What credit score does National Funding require?

National Funding requires a minimum credit score of 575, which is lower than OnDeck (625) or Kabbage (640). Lower credit scores typically result in higher factor rates within their 1.10-1.45 range.

How much can I borrow from National Funding?

Up to $500,000 for MCAs and up to $150,000 for equipment financing. Equipment loans are typically cheaper than MCAs for equipment purchases.

How fast is National Funding?

Same-day funding is possible for approved borrowers. Typical funding speed is 1 to 3 business days.

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National Funding Review 2026: Rates, Terms, and What to Expect

Item: National Funding Merchant Cash Advance
Rating: 3.8
Author: Bar Alezrah

National Funding offers MCAs up to $500K with factor rates from 1.10 to 1.45 and same-day funding on some advances. Our honest review of their rates and terms.

By Bar Alezrah4 min readPublished April 14, 2026 · Updated April 14, 2026

Key Takeaways

National Funding offers MCAs up to $500K and equipment financing up to $150K.
Factor rates 1.10 to 1.45 — wide range means qualifying borrowers can get competitive rates.
Same-day funding possible for approved borrowers.
Dedicated funding specialist assigned to each applicant — more personal than most online-only lenders.
Accepts businesses with 6 months in operation, more flexible than OnDeck.

3.8/5

Our editorial rating. How we rate.

National Funding has been operating since 1999 and has funded over $4.5 billion to 75,000+ small businesses. Based in San Diego, they offer MCAs, short-term loans, and equipment financing. Here is what you need to know.

Key Terms and Rates

Factor Rates: 1.10 to 1.45
Funding Amounts: $5,000 to $500,000 (MCA); up to $150,000 (equipment)
Repayment Terms: 4 to 15 months (MCA)
Funding Speed: Same day to 3 business days
Minimum Credit Score: 575
Minimum Annual Revenue: $250,000
Time in Business: 6 months minimum

Pros

Dedicated funding specialist for each applicant
Same-day funding possible for approved borrowers
Equipment financing option in addition to MCA
Since 1999 — longest operating history among mid-sized MCA funders

Cons

Higher revenue minimum ($250K) excludes smaller businesses
Factor rates climb to 1.45 for higher-risk profiles
Some borrowers report higher rates than initial estimates after underwriting

If you are dealing with a collection action or dispute with National Funding, see our National Funding lawsuit guide for information on common claim types and your defense options.

Frequently Asked Questions

Credit score required?

575 minimum. Lower than OnDeck (625) or Kabbage (640).

How much can I borrow?

Up to $500K MCA, $150K equipment.

How fast is funding?

Same day to 3 business days.

Is National Funding a direct lender?

Yes, direct lender since 1999.

Disclaimer: The MCA Guide provides free educational content about merchant cash advances. We are not a lender, broker, or financial advisor. This content is for informational purposes only and does not constitute financial, legal, or tax advice. Some links may be affiliate links. Always consult a qualified professional before making business financing decisions.