National Funding Review (2026)
Best for bad credit and new trucking businesses
Researched and fact-checked by the BestTruckingLoans Editorial Team from primary sources · Updated May 2026 · Advertising disclosure
Bottom Line
National Funding fills a genuine gap for bad-credit trucking businesses. The rates are high, but so is the risk they're taking on. If you have 500–620 FICO and need a truck, National Funding and eBoost Partners (which may match you with similar lenders) are your most realistic paths. Refinance at a better rate after 12–18 months of on-time payments.
What Is National Funding?
National Funding serves the segment of trucking businesses that traditional equipment lenders turn away: bad credit, short time in business, inconsistent revenue history. Their rates reflect the higher risk — expect 15–35% APR for most bad-credit applicants. But for carriers who need to establish or rebuild credit history with on-time equipment loan payments, National Funding provides a path.
Who Is National Funding Best For?
National Funding is worth considering if your credit score is between 500–620 and you've been in business at least 6 months. Good credit applicants should look at Crest Capital or Taycor first — National Funding's value proposition is access, not rate.
Pros & Cons
Pros
- ✓ Accepts 500+ FICO — accessible for damaged credit
- ✓ 6 months in business minimum — good for newer carriers
- ✓ Equipment and working capital in one place
- ✓ Early payoff discount on equipment loans
Cons
- ✗ Rates are significantly higher than Crest or Taycor for good credit
- ✗ Working capital products have shorter terms (12–24 months)
- ✗ Higher origination fees vs. equipment specialists
How to Apply
Online application with basic business info and revenue. Approval in as little as a few hours for smaller amounts. Bank statements are the primary underwriting document for newer businesses.
How National Funding Compares
See how National Funding stacks up against other lenders on our full lender comparison page. For loan type comparisons, see our trucking loan types guide.
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