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MCA / Working Capital

National Funding review.

National Funding is a long-tenured direct funder offering working capital and equipment financing across the U.S.

Loan range
$10K – $500K
Speed
24 hours
APR / Fee
Factor rate 1.10 – 1.50
HQ
San Diego, CA · est. 1999
Best for

$100K+ working-capital and equipment financing for SMBs with solid revenue.

Watch out for

Equipment leasing rates can be higher than bank alternatives.

Pros
  • +Decades of underwriting history
  • +Both MCA and equipment
  • +Discount for early payoff
Cons
  • –Higher cost than bank product
  • –Daily debit structure
  • –Personal guarantee required
Alternatives to National Funding
Rapid Finance
$5K – $1M
Credibly
$5K – $400K
Balboa Capital
$2K – $500K equipment; up to $250K working capital
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