Quick Biz Capital: A National Funding Alternative

National Funding is a solid, established lender. If you want funding sized to your bank deposits, a lower credit bar, or a faster yes, here is an honest side-by-side.

What National Funding is, and who it fits

National Funding is a well-known, long-established small business lender. It offers short-term working capital loans (roughly $5,000 to $500,000, terms around 4 to 18 months) and equipment financing (roughly $5,000 to $150,000, terms up to 60 months). Pricing typically uses a factor rate rather than a stated APR, plus an origination fee, and funding can arrive in as little as 24 hours.

It genuinely fits some owners well. If you have solid revenue, decent credit, and a couple of years in business, National Funding is a credible, reputable option, especially for equipment purchases where a longer term makes sense. Its customer service and easy online application get good marks.

Where it can fall short for some owners

No lender fits everyone. A few things trip owners up with National Funding:

• Revenue and time-in-business bars. Working capital typically wants around $250,000 in annual revenue and 6+ months in business; equipment financing often wants 2+ years. Newer or smaller-revenue businesses can get screened out.
• Credit weight. Approvals generally lean on a personal credit score in the 600s. If your FICO is under 600, that is a real hurdle.
• Repayment cadence. Short-term loans often carry daily or weekly payments, which can pinch cash flow if your revenue is seasonal or lumpy.
• Pricing isn't posted. Factor rates and fees aren't published up front, so you have to apply to see your real cost.

If any of those apply to you, an alternative that reads your bank deposits instead of your credit score may be a better path.

The Quick Biz Capital alternative

Quick Biz Capital funds small businesses in every industry with $10,000 to $5,000,000. We approve on your bank deposits, not your credit score, so healthy cash flow can outweigh a lower FICO. Here is how it works:

• Step 1 — Apply in minutes. Short online application, no stack of paperwork to start. Checking your options is a soft pull, so it won't ding your credit.
• Step 2 — We review your deposits. We look at recent business bank activity to size an offer to your actual revenue. FICO 500+ is fine.
• Step 3 — Get funded fast. Once you're approved and accept terms, funds can hit your account in as little as 24 hours. No collateral required for working capital.

Who qualifies with Quick Biz Capital

• Small businesses in any industry needing $10,000 or more.
• Owners with steady business bank deposits, even with a FICO as low as 500.
• Anyone who wants a soft-pull check before committing.
• Owners who were declined elsewhere, or who need funding faster than a longer process allows.

If you specifically want a multi-year equipment loan tied to a vendor quote, National Funding's equipment product may suit you better, and that's a fair call to make.

Short close

National Funding is a legitimate lender that fits plenty of owners. But if you want funding sized to your deposits instead of your credit score, a soft pull to look, a lower FICO bar, or a faster answer, Quick Biz Capital is built for exactly that. Check your options with no hit to your credit and see what your deposits qualify you for.

Straight answers

Is Quick Biz Capital cheaper than National Funding?

It depends on your business. Both price working capital based on risk and cash flow rather than a single posted rate, so the honest answer is to check your real offer. What Quick Biz Capital changes is who qualifies: we weigh your deposits, so strong revenue can earn a better outcome even with lower credit.

What credit score do I need?

National Funding generally leans on a score in the 600s. Quick Biz Capital works with FICO 500+ because approval is driven by your bank deposits, not your score.

How fast can I get funded?

Both can fund in as little as 24 hours after you're approved and accept terms. Actual timing depends on your documents and bank.

What's the minimum I can borrow?

Quick Biz Capital funds from $10,000 up to $5,000,000. National Funding starts lower, around $5,000, so if you need a very small amount, that's worth noting.

Will checking hurt my credit?

No. Checking your options with Quick Biz Capital is a soft pull and won't affect your credit score.

Do I need collateral?

Not for working capital with Quick Biz Capital. National Funding's working capital is also unsecured, while its equipment financing is secured by the equipment you buy.

I was denied by National Funding. Can you help?

Often, yes. Declines there are frequently about credit or time-in-business thresholds. Because we approve on deposits, healthy revenue can still qualify you. It costs nothing to check.