Compare FundBetter vs. National Funding
National Funding offers working capital up to $500,000 and equipment financing up to $150,000, and it has been funding small businesses since 1999. We offer eight funding products from $5,000 to $5M. If you're looking at National Funding alternatives, here's where each one fits, using only facts from National Funding's own pages.
Checked against National Funding's pages, November 4, 2026
Which one fits your business?
Pick the list that sounds like your business.
Choose FundBetter if
- You need more than National Funding's $500,000 working capital limit. We fund up to $5M, depending on the product and your business.
- You want a product National Funding doesn't list, such as a business line of credit, an SBA loan, a merchant cash advance or revenue-based financing.
- You're financing equipment that costs more than $150,000.
- You'd like one of our advisors to compare our eight types of funding from a single application.
Choose National Funding if
- You'd rather there were no hard credit-score minimum at all. National Funding says credit is one factor in its evaluation.
- You want a funding specialist assigned to you. It says each customer gets a dedicated U.S.-based specialist.
- You want a lender with a long record. It reports more than $7 billion funded since 1999.
- You'd like an early payoff discount available. It says it may offer one, with the terms disclosed before you accept.
Feature by feature
The same 18 rows on every comparison we publish.
| Feature | FundBetter | National Funding |
|---|---|---|
| Who funds you | ||
| How funding is provided | Lender and funding marketplace We may connect you with vetted third-party lenders and funding partners. You work through one advisor and one application. | Lender, with partner matching2 If it can't offer you financing, it says it may try to match you with a partner. |
| What you can get | ||
| Business line of credit | Yes $5K to $5M, weekly or monthly payments | Not listed |
| Short-term loan | Yes $5K to $5M over 3 to 18 months | Yes2 Working capital from $6K to $500K, repaid daily or weekly. Its disclosures say 4 to 24 months; another of its pages says first loans do not exceed 14 months. |
| Long-term loan | Yes Up to $5M over 1 to 5 years | Up to 24 months2 It has a term loans page. Its stated working capital terms stop at 24 months. |
| SBA loan | Yes Up to $5M over 10 to 25 years | No2 It says SBA 7(a) loans are issued through participating banks and lenders, not by National Funding. |
| Equipment financing | Yes Up to 100% of the cost over 1 to 6 years | Yes3 Finance or lease up to $150,000, with monthly payments over 2 to 5 years. |
| Invoice factoring | Yes Advances of up to 90% | Receivables financing5 Listed as a product. Advance rates and fees are not published. |
| Merchant cash advance | Yes $5K to $5M, repaid as a share of sales | Not listed |
| Revenue-based financing | Yes $5K to $5M, repaid as a share of revenue | Not listed |
| Funding range | $5,000 to $5M Varies by product and business | $6,000 to $500,0002 Equipment up to $150,000. One of its term loan pages still says up to $400,000. |
| What it takes to qualify | ||
| Credit score | Around 500 520 for a merchant cash advance and 700 for a long-term loan | No hard minimum4 It says most of its customers have a personal FICO of 600 or higher. |
| Time in business | 6 months 1 year for equipment financing, 2 years for long-term and SBA loans | 6 months4 Its pages conflict. One says "at least six months" and also "just one year", so confirm this with it directly. |
| Revenue | About $15K a month $500K a year for a long-term loan | Not published It sizes funding to revenue, typically 8% to 12% of annual revenue, without stating a minimum. |
| Speed, cost and terms | ||
| Fastest stated funding | As fast as 24 hours That is the fastest case. Invoice factoring takes 24 to 48 hours. | Next business day1 It says funds can arrive as soon as the next business day after approval, subject to your bank. |
| Checking your options | Soft inquiry, no effect on your score A hard pull only happens later, with your permission, if you move forward with certain offers. | Soft inquiry, no effect on your score4 |
| What it publishes on cost | No published rates Cost depends on the product and your offer, and every cost is disclosed before you sign. | No published rates2 It gives a working capital example: a 1.25 factor rate on $50,000 means $62,500 repaid. |
| Paying off early | Depends on your agreement Early payoff reduces the cost on many short-term loans, and some agreements charge the full amount regardless. | May offer a discount1 Terms are disclosed before you accept. |
| Where it lends | United States We do not publish a list of excluded states. | Not published |
"Not published" means we couldn't find it on National Funding's own pages on November 4, 2026. "Not listed" means it isn't among the products National Funding lists. FundBetter's figures are general starting points, not a guarantee of approval.
Is there really no credit minimum?
National Funding says there's "no hard credit-score minimum" and that it weighs revenue, time in business and cash flow alongside credit. It also says most of its customers have a personal FICO of 600 or higher. If your score has held you back elsewhere, that's a real reason to talk to it.
So ask any lender two things. Is the number you quote a floor, or a description of who you usually fund? And what score do you actually see on approved deals for the product I need? "No minimum" and "most customers are 600 or higher" can both be true, and the second one tells you more about your chances.
We state our starting points by product. As a general starting point we work with businesses at 500 and up, with 520 for a merchant cash advance and 700 for long-term business loans. Those are FundBetter's numbers, and checking your options won't affect your score.
How much can you actually get?
National Funding offers working capital from $6,000 to $500,000 and says the amount is typically sized at 8% to 12% of annual revenue. For a business doing $1 million a year, that points to around $80,000 to $120,000, which covers plenty of real needs, and it's clear about the method.
The question for any lender is how it sizes an offer, not just what the headline limit is. Ask what percentage of revenue it uses and what would move you to the top of the range.
We fund from $5,000 to $5M, and what you're offered depends on your revenue, your time in business and the product. If you're buying equipment or financing a larger project, equipment financing and SBA loans are sized to the purchase rather than to a slice of revenue.
What if a loan is not the right product?
National Funding lists working capital, term loans, inventory financing, receivables financing and equipment financing and leasing. If a lump sum repaid daily or weekly fits what you need, that's a focused set, and a dedicated specialist walks you through it.
Ask any lender what it would suggest if its main product isn't the right fit for your cash flow. A revolving line suits a recurring gap better than a lump sum does, and a share-of-revenue payment suits a seasonal business better than a fixed daily one.
We offer eight funding types, including a business line of credit and revenue-based financing, and one of our advisors can help you compare them.
Frequently asked questions
Is FundBetter an alternative to National Funding?
Yes, for many businesses. National Funding focuses on working capital and equipment, up to $500,000. We offer eight funding types up to $5M, including lines of credit, SBA loans and merchant cash advances, which National Funding doesn't list.
What credit score does National Funding require?
It says there's no hard credit-score minimum and that most of its customers have a personal FICO of 600 or higher. Our general starting point is around 500, with higher bars on some products.
How long does a business need to be open for National Funding?
Its pages don't agree. One says it funds businesses operating for at least six months, and the same page says financing is available for businesses in operation for just one year. Its equipment page says six months. Confirm this with National Funding before you apply.
Is National Funding legit?
National Funding says it has served more than 100,000 businesses and funded over $7 billion since 1999, and it displays a BBB Accredited Business badge. We can't speak for it, so check its record with the BBB and your state regulator before you sign.
Who are National Funding's competitors?
Other online funders that serve similar businesses include OnDeck, Lendio and Bluevine, as well as FundBetter. They differ most on credit minimums and product range.
Does National Funding publish its rates?
No. It gives a worked factor rate example but no rate range, and it says terms are disclosed before you accept. We don't publish rates either, so compare both on total repayment.
How did we check these facts?
Every National Funding fact here comes from National Funding's own pages, read on November 4, 2026, and none of them come from review sites or other lenders. If you spot a change, tell us and we'll re-check it.
Sources
- National Funding home (seen November 4, 2026)
- National Funding working capital (seen November 4, 2026)
- National Funding equipment financing (seen November 4, 2026)
- National Funding business loans for bad credit (seen November 4, 2026)
- National Funding receivables financing (seen November 4, 2026)
- National Funding term loans (seen November 4, 2026)
FundBetter is not affiliated with, endorsed by or sponsored by National Funding, and National Funding is a trademark of its owner. Terms change, so confirm the current terms with each company before you decide.
See also: FundBetter vs. OnDeck · FundBetter vs. Lendio · FundBetter vs. Bluevine · all comparisons
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