National Funding publishes a credit expectation, not a rule
National Funding's small business loans page answers the credit question with a description rather than a requirement: most of its customers have a personal FICO of six hundred or higher. That is a meaningfully different statement from a minimum, and this record treats it as a published fact while noting what it is, because a description of a customer base is not a promise about a decision.
What National Funding publishes
| What | Figure | The lender's own words | Source |
|---|---|---|---|
| Minimum personal credit score | 600 FICO | "Most of our customers have a personal FICO of 600 or higher" | National Funding small business loans page checked September 2026 |
| Minimum time in business | Publishes no minimum; apply to find out (checked September 2026) | National Funding small business loans page checked September 2026 |
National Funding coverage, evidenced
National Funding keeps its own live page for 1 of the borrowing products this record tracks. Each link below was fetched on the date shown and answered.
Is this your vendor?
Add the verified-listing badge to your own site. It links to this page, so your customers can see the evidence behind your listing.
Why the phrasing matters
A minimum excludes. A description of most customers does not, and it leaves room for a file below it to be considered on other strengths. In practice that is more useful to a borrower at five hundred and eighty than a hard six hundred would be, and less useful than a hard five hundred, because it cannot be relied on. It is worth asking the lender directly whether six hundred is a filter or an observation before deciding whether the application is worth making.
What is missing
No revenue minimum and no time in business appear on the page, which this record marks as not-published rather than as an absence of requirements. Every lender has both; the question is only whether they say so. Where a lender publishes one number and not the others, the sensible reading is that the unpublished ones exist and are being kept flexible, not that they are zero.
Common questions
- What credit score does National Funding require?
- It publishes that most of its customers have a personal FICO of six hundred or higher. That is an observation about its book rather than a stated minimum, and this record records it as exactly that.
- Does National Funding publish a revenue requirement?
- Not on the page checked here. Its revenue and trading-history requirements are recorded as not published, meaning the page was read in full and carries no such figure.