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National Funding vs BHG Financial
Built live from what each lender publishes. Nothing here is estimated — where a lender publishes nothing, the cell says so.
| Attribute | National Funding | BHG Financial |
|---|---|---|
| On the record |
|
|
| Lender type | Direct funder | Direct funder |
| Products offered | Working capital, Term loan, Equipment, Invoice financing | Term loan |
| Published amounts | $6K – $500K | $20K – $500K |
| Pricing basis | Not disclosed | APR |
| Published rate | Not disclosed | 8.77% – 41.26% |
| Disclosed fees | "$0 upfront costs" and "No-cost, no-obligation application" are published on /small-business-loans/. No origination, admin or underwriting fee amount is published. | No application fees, commitment, or impact on personal credit to view your estimate. No origination, administrative or underwriting fee is disclosed for business loans anywhere on the business-loan pages. |
| Repayment frequency | Variable with revenue | Monthly |
| Term length | 4–24 months | 12–144 months |
| Minimum credit score | 600 | Not disclosed |
| Minimum time in business | 2 yrs | Not disclosed |
| Minimum monthly revenue | Not disclosed | Not disclosed |
| Collateral required | No | Not disclosed |
| Personal guarantee | Not disclosed | Not disclosed |
| States excluded | Not disclosed | Not disclosed |
| Industries excluded | Not disclosed | Not disclosed |
| Speed to fund | Funds in your account as fast as 24 hours | In as few as 3 days |
| Speed conditions | "Same day approvals"; page states funding speed depends on "underwriting guidelines, processing time by your bank, and receipt of required documentation" | 'Approval can take as little as 24 hours.' Footnote: 'This is not a guaranteed offer of credit and is subject to credit approval.' |
| Headquarters | San Diego, CA | Fort Lauderdale, FL |
| Established | 1999 | 2001 |
| Next step | Enquire Review | Enquire Review |
Rates on this page are not directly comparable unless the pricing basis matches. A factor rate of 1.30 and an APR of 30% are different measures of different things — a factor rate is a multiple of the amount advanced with no time dimension, an APR is annualised. Read the pricing basis row before comparing the rate row.