What National Funding's site says
National Funding lists working capital loans of $6,000 to $500,000 and equipment financing up to $150,000, with funds possibly arriving the next business day.
From the National Funding homepage (checked October 2026):
- Working capital loans: $6,000 to $500,000, with daily or weekly payments over 4 to 24 months.
- Equipment financing and leasing: up to $150,000, with monthly payments over 2 to 5 years, new or used equipment.
- Other listed products: term loans, inventory financing, receivables financing and short-term loans, with amounts not stated.
- Speed: "Three quick steps. One business day," with funds possible as soon as the next business day after approval. The timeline depends on underwriting and your bank.
- Credit: "Most of our customers have a personal FICO of 600 or higher." The page does not present that as a minimum and says it looks at the full business profile.
Rates, fees and APRs are not stated. The page says that in sixteen states (it lists them) financing is limited to sales-based financing. It also describes programs for women-owned, minority-owned and veteran-owned businesses.
Reading daily and weekly payments
Daily or weekly payments look small but can equal a large share of monthly revenue, so convert them to a monthly figure before you sign.
Short working capital loans often use daily or weekly withdrawals. A $300 daily payment on weekdays is about $6,500 a month. Against $40,000 in monthly revenue, that is roughly 16% of every sales dollar.
Run this quick test on any offer, ours included:
- Multiply the daily payment by the number of business days in a month.
- Divide by your lowest recent month of revenue.
- If the answer is over what your margin can carry, shrink the amount or lengthen the term.
Our guides on daily payment to monthly equivalent and daily vs weekly vs monthly payments go through the math. Example figures are illustrative only.
How the numbers line up
ROI Funder offers a wider amount range and a lower credit floor; National Funding publishes its payment structures and equipment terms.
| Item | National Funding | ROI Funder |
|---|---|---|
| Working capital | $6,000 to $500,000 | Within $5,000 to $5,000,000 overall |
| Equipment | Up to $150,000, 2 to 5 years | Equipment financing, 2 to 7 days to fund |
| Credit | Most customers 600+ FICO; minimum not stated | 500+ FICO considered |
| Speed | As soon as next business day | Same business day on approved, complete files |
| Time in business and revenue | Not stated | 6+ months; $20,000+ per month |
The 600 figure is a description of its typical customer, so a 580 score does not rule you out there. We simply cannot say what it would decide.
When National Funding is the better fit
National Funding may suit owners seeking equipment leasing with a multi-year term, or those who qualify for one of its listed programs.
- Equipment leasing. The page offers both financing and leasing, new or used, with 2 to 5 year payments.
- Targeted programs. It lists programs for women-owned, minority-owned and veteran-owned businesses. We do not publish equivalent programs.
- A mid-sized working capital need. $6,000 to $500,000 covers most.
Before you choose, ask about the sales-based financing limit in your state, the total repayment and whether early payoff gets a discount. The page says discounts "may" be offered if you pay in full and stay current.
Matching term length to the asset
Finance equipment over a period no longer than its useful life, and finance short-lived needs with short-term money.
National Funding lists both multi-year equipment financing and short working capital loans, which is a good reminder that term length should follow what you buy.
- A delivery van that lasts 7 years: a 3 to 5 year equipment term makes sense.
- A computer that is outdated in 3 years: do not finance it for 5.
- Payroll during a slow month: use short money and plan to repay quickly.
Illustrative example: a print shop buys a $45,000 press that adds $2,200 a month in profit. A 4-year equipment payment of about $1,100 a month leaves $1,100 of net gain monthly. The same press financed with a 6-month working capital loan would need payments near $8,000 a month and swamp the gain. Use our equipment payback calculator guide before you choose. Numbers here are illustrative only.
When ROI Funder is the better fit
ROI Funder is the better fit if you need more than $500,000, have credit in the 500s, or want revenue-based and SBA options compared with a fixed-payment loan.
We take one application, check it with a soft credit pull that has no impact on your credit score, and match it to funders in our 100+ funder network. You have no obligation to accept an offer.
Guidelines: 500+ FICO, 6+ months in business, $20,000+ in monthly revenue, all 50 states. A complete file is the application plus 3 months of business bank statements.
Illustrative example: a wholesale distributor wants $200,000 for stock ahead of a big order. A working capital advance repaid weekly may fit a quick turn. If the order takes 90 days to pay out, a line of credit may be gentler. Figures are illustrative only.
Frequently asked questions
Does National Funding require a 600 credit score?
Its site says most customers have a personal FICO of 600 or higher but does not state a minimum. Confirm with the company.
How fast can National Funding pay out?
The page says as soon as the next business day after approval, subject to underwriting and your bank's processing.
Does ROI Funder offer equipment financing?
Yes, typically funding in 2 to 7 days. See our equipment financing page for details.
Are daily payments a bad idea?
Not always, but convert them to a monthly figure and compare against your slowest month before you sign.