National Funding Review

★ 4.6/5

Best for Equipment Financing

National Funding is a strong pick for contractors who want fast equipment financing or working capital without a bank's paperwork. It funds new and used machines, works with credit from 600, and can approve in a day or two.

Rates: From 8.99% Loan range: $10,000 – $500,000 Terms: 2–5 years Min credit: 600 Time in business: 6 months Funding speed: 1–3 business days

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Pros

✓Finances new and used heavy equipment
✓Fast approvals for contractors
✓Works with credit profiles down to 600
✓Section 179-friendly equipment loans

Cons

✕Lower maximum than bank lenders
✕Shorter terms than SBA options

Financing products

Equipment financingWorking capitalShort-term loans

Who National Funding is best for

National Funding is a strong fit for equipment, working capital. Best for Equipment Financing makes it worth a quote if those describe your business. As always, compare at least two or three offers before committing — terms vary widely based on your credit, revenue, and time in business.

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Pre-qualify in minutes. No hard credit pull.

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Review last updated June 2026. How we rate lenders. Advertising disclosure.