(239) 412-4009
Bonita Springs, FL
National Funding Partner

Your Trusted Business Loan & Credit Experts

At National Funding Partner, we offer more than just financing — we offer freedom to grow. With 22+ years of combined experience, we specialize in helping startups, small businesses, and established companies access fast, flexible capital through our vast network of vetted lenders.

Whether you're building credit, expanding operations, or stabilizing cash flow — we have a tailored solution for you.

Business Credit Cards

Whether you're building credit or looking for flexible funding, our business credit card programs are a smart way to unlock capital. With no impact on your personal credit and options that don't require revenue history, these cards are perfect for startups and growing companies.

No Doc Funding – Business Credit Card
No bank statements or tax returns required
Credit Score: 680
Time in Business: 6 Months
Interest Rate: Competitive rates
Funding Amount: $100K – $150K
Funding Period: 1–2 Weeks
Payment: Monthly

Docs Required: Full Name, Home Address, SSN only

Business Lines of Credit

A business line of credit gives you the freedom to borrow only what you need, when you need it — and pay interest only on the amount you use. Our flexible LOC options suit businesses of all sizes.

Line of Credit – Alternative A
24 Hour Funding
Revenue: $15K/month
Credit Score: 650
Time in Business: 3 Years
Interest: 1%/month
Term: 12–36 Months
Amount: $10K – $275K
Payment: Weekly / Monthly
Line of Credit – Alternative B
No MCA Required
Revenue: $5K/month
Credit Score: 635
Time in Business: 6 Months
Interest: 3%/month
Term: 12–24 Months
Amount: $5K – $100K
Payment: Monthly
A/R Line of Credit
Up to 95% A/R
Facility Size: $200K – No cap
Advance Rate: Up to 95% A/R
Interest Rate: Prime +2%
Requirements:
  • • $75K open receivables
  • • 1 Year in Business
  • • $500K annual gross sales
  • • No minimum FICO

Invoice Financing

Turn your outstanding invoices into immediate cash flow. Invoice financing allows you to use unpaid customer invoices as collateral to secure funding, helping bridge cash flow gaps while you wait for customer payments.

Invoice Factoring
Sell your invoices for immediate cash
Advance Rate: 70-90%
Time in Business: 3+ Months
Invoice Amount: $1K minimum
Funding Time: 24-48 hours

Benefits:

  • • No debt on balance sheet
  • • Factor handles collections
  • • Immediate cash flow improvement
Invoice Financing (Asset-Based)
Use invoices as loan collateral
Advance Rate: Up to 85%
Credit Score: 600+
Annual Revenue: $250K+
Interest Rate: Prime + 2-5%

Key Features:

  • • You retain customer relationships
  • • Lower cost than factoring
  • • Revolving credit facility

How Invoice Financing Works

1

Submit Invoices

Upload your outstanding customer invoices for review

2

Get Approved

Receive approval and advance within 24-48 hours

3

Collect & Repay

Customer pays invoice, you repay the advance plus fees

Business Loans

Looking for more structured funding? Our long-term business loans, including SBA and working capital loans, are designed to help you scale, stabilize, or invest in new opportunities.

SBA Loan
Government-backed financing
Term: 5–25 Years
Rate: Prime +1–3%
Notes: Government-backed; can refinance debt
Business Term Loan
Working capital solution
Term: 6–36 Months
Funding: 24–48 Hours
Amount: Up to $10M
Payment: Monthly
Requirements: 2 Years in Business, 650+ FICO, $300K Annual Revenue
Personal Loan
Individual financing option
Revenue: $70K/year
Credit Score: 680+
Term: Up to 5 Years
Interest Rate: 7% APR+
Amount: Up to $500K

Revenue-Based / MCA

Need fast funding without the credit barriers? Our revenue-based loans and merchant cash advance (MCA) programs provide quick capital based on your monthly business income — not your FICO score.

Revenue Based Funding
Fast funding based on business income
Revenue: $10K/month
Credit Score: 500
Time in Business: 3 Months
Interest: None
Funding Period: 24 Hours
Term: 1–12 Months
Amount: $5K – $2M
Payment: Daily / Weekly / Monthly

Special: ITIN accepted • Application + 4 business bank statements required

Asset-Based Financing

Unlock the value of your equipment or real estate through asset-based financing. These secured loan programs offer high advance rates with longer repayment terms and lower interest rates.

Equipment & Real Estate Loans
Leverage your assets for capital
Term: 3–7 Years
Interest Rate: 5–15% APR
Advance Amount: Up to 90%
Payment: Monthly

Requirements:

  • • Real estate or heavy equipment fully owned
  • • $250K minimum valuation
  • • 1 Year in Business
  • • 600–650+ FICO
  • • $250K Gross Annual Revenue

Tax Benefit: Fully expensable for tax purposes • No dollar cap

Specialty Hard Money & Construction Loans

Specialized financing solutions for experienced real estate investors and developers. Our hard money and construction loans offer fast closings, competitive rates, and flexible terms for various property types and investment strategies.

FICO Requirement: 680+ • Loan Range: $100K - $5M

Hard Money Loans
$100K - $5M
Loan Amount: $100K - $5M
FICO Required: 680+
Property Types: All eligible types
Rates: Competitive market rates
Value-Add Multifamily
No Appraisal
Special Feature: No appraisal required
Closing Time: Under 2 weeks
Property Type: Multifamily (no unit cap)
Strategy: Value-add opportunities
Multifamily Bridge Loans
Speed-to-Close
Features: Fast closings
Appraisal: Not required
Ideal For: Speed-to-close scenarios
Property Type: Multifamily properties
Large Portfolio Acquisitions
$5M Bridge
Current Project: 150-property portfolio
Structure: Two $5M bridge loans
Specialty: Large-scale acquisitions
Expertise: Complex deal structuring
Land Development Loans
Up to $5M
Property Type: Entitled land
Loan Amount: Up to $5M
Borrower: Experienced developers
Requirements: Land must be entitled
DSCR Loans
Industry-Leading Rates
Rates: Industry-leading
Qualification: Debt Service Coverage Ratio
Property Types: Income-producing properties
Benefits: Competitive terms

Eligible Property Types

🏠

1-4 Unit Residential

🏢

Multifamily (no unit cap)

🏬

Mixed-Use

🏗️

Ground-Up Construction

🏞️

Entitled Land

🏆 Experienced Investor Program

For investors with 5+ projects in the last 5 years

Exclusive Benefits:

  • Up to 100% LTC on 1-4 unit projects
  • Covers both acquisition and rehab costs
  • Up to 70% ARV (After Repair Value)
  • Streamlined approval process

Qualification Requirements:

  • Experience: 5+ completed projects in last 5 years
  • FICO Score: 680+
  • Property Type: 1-4 unit residential
  • Strategy: Fix & flip or BRRRR

Debt Settlement

Expert debt settlement services to help you reduce your debt burden and achieve financial freedom. Our specialized negotiation team works directly with creditors to secure the best possible terms.

Expert Negotiation
Professional Team
Specialized Solutions
Expert Negotiation Team
Focus on Cash Flow Improvement
Legal Protection
Avoid Issues
Avoid Legal Action
Affordable Payment Plans
Avoid Bankruptcy

Credit Repair

Professional credit repair services to help you improve your credit score and financial standing. Our experts understand credit laws and create personalized action plans for your unique situation.

Expert Guidance
Professional Service
Expertise in Credit Laws
Personalized Action Plan
Dispute Management
Proven Results
Track Record
Proven Track Record
Credit Score Improvement
Ongoing Support

Debt Consolidation

Simplify your financial life by consolidating multiple debts into one manageable payment. Lower your interest rates and improve your cash flow with our debt consolidation solutions.

Simplify Finances
One Payment
Simplify Your Finances
Lower Interest Rates
Fixed Monthly Payments
Financial Freedom
Better Future
Improve Cash Flow
Avoid Bankruptcy
Build Better Credit

No Doc Business Credit

Access substantial business credit without the traditional documentation requirements. Perfect for businesses looking to build credit and access capital quickly.

No Doc Business Credit
Minimal documentation required
Credit Score: 680+
Funding Amount: Up to $150K
Revenue Required: No Minimum
Time in Business: No Minimum

Key Benefits: Fast approval, no revenue requirements, build business credit

Additional Commercial Programs

Comprehensive commercial financing solutions for real estate investors and businesses nationwide

Real Estate Financing
$50K - $5M+
Loan Amount: $50,000 - $5,000,000+
States: All 50
Rates: Starting at 7%

Property Types:

  • • Commercial
  • • Non-Owner Occupied
  • • Land & Building
  • • Fix & Flip
  • • 1-4 Family
  • • Multi-Family
  • • Condo & Co-Op

Bridge Financing: 6-48 Months

DSCR: 12-360 Months

Invoice Factoring
$5K - $5M+
Loan Amount: $5,000 - $5,000,000+
States: All 50
Advance Rate: Up to 85%
Rates: 0.5% - 3.5% per month

Eligible:

  • • Business to Business
  • • Business to Government
  • • A/R & Invoices
  • • Contracts
Revenue-Based Financing
$10K - $5M
Loan Amount: $10,000 - $5,000,000
Based On: Business Revenue
Min Credit: 500
Industries: All Considered

Key Benefits:

  • • Low credit score requirements
  • • Revenue-based approval
  • • All industries welcome
  • • Fast funding process

Ready to Get Started?

Choose the financing solution that's right for your business and get funded fast.