Small business financing options that fit your business.


Get Funding Today!


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Funding in
24-48 Hours

Financing Options


Tailored and flexible products that are based on your cash flow needs.


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Equipment Financing


Loans up to $2M

0-2 Years Time in Business
Minimim FICO of 620+


Working Capital Loan


Loans up to $500K

4+ Months Time in Business
Minimim FICO of 450+


Line of Credit Financing


Loans up to $200K

6+ Months Time in Business
Minimim FICO of 600+

Step 1


Complete application &
speak with a loan specialist


Step 2


Evaluation of business,
cash flow & credit


Step 3


Sign contract &
receive funding


Our Company

NetFunding was established in order to deliver capital solutions to small business owners who are in need of financing and want to achieve growth or sustainability. We are a team of experts - business owners who seek solutions that fit our customers needs. Our culture is built on rich finance industry experience and entrepreneurial spirit. We know what it takes to grow a business and the challenges that come along.

We believe in our customers success and we take a great deal to learn and understand the specifics of their business. We aim to provide superior cost of capital, ensure competitive rates, deliver fast funding and develop strong relationships with our clients. We value every customer and see each business being unique, and therefore so is every solution.


Hospitality Financing

The hospitality industry is divided into five categories. Transient or commercial hotels make up three-fourths of the hotel business in U.S and cater to the traveling public. With accommodations and food service the travel and tourism sales are north of $175B and poised to increase year-to-year of the next few years.

When it comes to financing the businesses that benefit from our financing are hotels and motels, catering businesses, event planning consultants, housekeeping and cleaning businesses, spa owners, wedding and party consultants and tourism consultants. The hospitality is known for providing excellent service and accommodations for the traveling public and we at Birch want to provide financing in the same form.

Businesses that depend on financing heavily are motels and hotels that constantly looking to upgrade their equipment and use business loan for renovations or add additions to their services. Financing is required to cover seasonality that could cripple a motel or lodge from opening and running smoothly as well as stabilize operating cash flow during slow periods. There are more than 60,000 lodging businesses, ranging from small hotels to international resorts in U.S. While traditional lenders loom at hospitality equipment being high risk with short life value we are looking deeper and understand what makes each business successful.

Business owners take advantage of our working capital loan product to offset cash flow issues and payables during slow tourism periods. We help operators with renovations and real estate financing for growth or expansion. Applying for equipment financing could help secure longer terms and decrease debt payments on current equipment. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Healthcare Financing

Our country spends more on healthcare than any other country in the world. This industry is comprised of 17.7% of the GDP. Consumers spend close to $3 trillion annually with a growth rate of 4.9%. Spending rate on healthcare is increasing while business owners are struggling in maintaining cash flow due to an increase in operating costs. We cover all medical practices and work with dentists, chiropractors, audiologists, dietitians, home nursing care assistants, pharmacists, optometrists, physicians and veterinarians.

Business owners are starting to feel the financial pinch from changes in the current healthcare environment. The main challenge that business owners are experiencing is their cash flow. The hurdle of cash flow is the blame of insurance reimbursement rates going down as the operating costs are making the margins thinner. We understand the financial pain that these professionals are going through as many rely on working capital business financing to save their practice from closing.

Owners take advantage of our working capital loan product to grow their business. Equipment financing could help purchase used or new equipment besides from refinancing or replacing current equipment while line of credit could stabilize cash flow. Operators use financing to cover account payables and spend remaining cash to grow patient volume in order to drive higher billing. Use financing to renovate, increase inventory or simply cover existing debt. Operating a successful clinic is not an easy task as owners are faced with many daily challenges. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Forestry Financing

The forestry industry is one of the most dangerous industries of all. The focus product is wood that is used to build homes, furniture, flooring, shipping containers and many other products. Forest products account for about 4 percent of the U.S GDP and employing more than 900,000 workers in over 47 states. U.S Department of Labor predicts timber cutting, logging and sawmill workers to decline by an average of 4 percent by 2024.

Forest industry is one of the most capital-intensive industries due to investment it requires in production machinery, harvesting equipment, land lease and distribution. This sector has long history and is mature, but operating is heavily based on the macroeconomic cycle. During a cyclical upswing, its common to see businesses turn into distress with financials showing an increase in liabilities, increase in operating costs and gross sales tanking. Business owners need financing to both grow and save their businesses. Traditional lenders shy away from forestry industry especially when it comes to refinancing current debt or providing financing to ride the cyclical market conditions. We understand this industry and with our expertise could refinance forestry equipment by lowering debt payments and stretch the term of financing.

Business owners take advantage of our working capital loan product to offset cash flow issues and payables. Forestry contracts or land leases to harvest wood require strong financing thus this product serves well for financing needs. Applying for equipment financing could help secure longer terms and decrease debt payments on current equipment, while a line of credit could stabilize cash flow during seasonality. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Food Processing Financing

The food processing industry in the U.S has rapidly changed since the 1900’s when trans-fat was first placed into the supply chain. There are more than 1.5M people that are currently employed by food manufacturing and indicates strong projected growth within the industry projecting to have a steady growth of 2.9% CAGR through 2022. The food processing is composed of sub-sectors such as brewery, commercial bakery, distilleries and fluid milk manufacturing as well as other food products that support supermarkets, lodges and restaurants.

The food processing industry’s 50% of the revenue is controlled by 50 largest companies who use economies of scale to their advantage. The major products include processed meats (about 30% of industry revenue), dairy products (15%) and grain and oils (10%). Other revenue products are processed fruits and vegetables, baked goods, growing pet products as well as snack foods. The industry is praised for its ability to deliver consistent positive investment returns and seen as “safe harbor” industry during major economic and stock market downturns.

Many business owners are facing success while many are trying to maintain positive cash flow as margins for some sub-sectors are very thin with no room for error. Some of the customers that depend on financing are in cannery food processing, fish processing, food packaging, meat packing plant and food processing businesses where production levels are lined with commodity price fluctuations. Traditional financing remains strong for this industry but for some business owners that cannot meet the rigid requirements cannot obtain financing.

Business owners take advantage of our working capital loan product to grow their business by purchasing or upgrading their equipment and facility. Applying for equipment financing could help secure longer terms and decrease debt payments on current equipment, while a line of credit could stabilize cash flow during seasonality. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Fishing Financing

The fishing industry in the U.S is among the leading fishing nations in the world. The fishing industry is composed of harvesting, processing and marketing segments. The demand is increasing year-to-year as regulations are increasing making the fishing industry more difficult to operate in or break-into. Some of the significant species that provide majority catch volume are oysters, clams, salmon, pollack, shrimp and mussels. The fishing industry is rapidly changing with increase of regulations making the fisherman pursue fish further into the ocean under adverse conditions.

Commercial fishing financing is vital to make sure that the operated vessels are fully repaired and are equipped with new technology. The extra invested cost could be the difference between a successful trip to a trip of not coming back or being towed. We could help fisherman with financing vessel both small and large with additional fishing equipment financing, fishing technology equipment financing, financing to cover trip expense as well as leasing fee’s or cover skippers or other personnel payroll financing. Traditional financing could be difficult when it comes to certain transactions such as boat financing, commercial fish farming financing, fish processing financing and fishing expeditions. Commercial fishing is becoming more competitive, thus in order to achieve highest return financing is key to upgrade equipment, purchase new vessels that could undertake more dangerous trips and increase quota while maintain expense.

Business owners take advantage of our working capital loan product to grow their business by purchasing or upgrading their vessels. Applying for equipment financing could help secure longer terms and decrease debt payments on current equipment, while a line of credit could stabilize cash flow during fishing seasons. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Energy Financing

The energy industry is placed in unpredictable position over current geopolitical events combined with oversupply concerns in the oil sector. There is a lot of caution in this industry but with the negatives there are also positives that could help business owners to take an advantage of the market and apply for financing in order to grow their business.

The demand for energy seems promising thus could create more contracts and opportunities for the gas industry, petroleum industry, renewable energy and coal industry. The coal industries would be politically protected which would provide an increase of local municipal contracts that small business owners could benefit from. In order to secure such contracts or show the companies that they could financially manage large contracts would need to prove a high credit line or strong cash flow.

Business owners that would benefit from financing in order to grow their business and benefit from the upcoming political arm are solar water pumping maintenance companies, companies that service refrigeration systems, solar water heating system maintenance companies, bio-fertilizer productions and industry consultants. The consumer demand is increasing for green energy thus we are fans of green energy businesses seeking financing.

Companies take advantage of our working capital loan product to grow their business and bid for large contracts. Applying for equipment financing could help secure longer terms and decrease debt payments, while a line of credit could stabilize cash flow. Operators use financing to cover account payables and reinvest majority of capital back into the business in order to achieve higher IRR. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Construction Financing

There are currently 1.5 million construction firms in the U.S which 90% of them use some type of financing in order to manage their daily business affairs. Construction is one of the top industries that heavily depends on healthy cash reserves and management of cash flow. Financing and access to additional capital are often the deciding factor between firms that succeed and firms that fail.

Construction businesses are faced with an array of difficulties from meeting timely demands in completing projects to dealing with endless change orders, vendor payment demands, rising insurance costs, securing future work, hiring skilled laborers and increased competition in the marketplace.

Business financing is very difficult for a majority of contractors due to traditional lenders such as banks still being weary about providing loans or being too rigid. They set tough criteria’s that are nearly impossible for majority of construction firms to meet or qualify for in a timely fashion. Their loan process takes anywhere from 30-60 days and most business owners are not in the position to wait that long. Our customers receive financing from 24 hours to 48 hours and we are proud to be a factor in providing liquidity and fill gaps between collecting large receivables.

Business owners take advantage of our working capital loan product to grow their business. Equipment financing could help to purchase used or new equipment besides from refinancing or replacing equipment while line of credit could stabilize volatile cash flow. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Automotive Financing

The automotive industry is worth about $890 billion, contributing 3 to 3.5% of the nation’s gross domestic product with over 259 million registered vehicles. We specialize in providing financing to auto repair shops, maintenance businesses, auto dealers and towing shops. In U.S there are about 160,000 repair and maintenance shops and 85% of them tap into financing to sustain their operations.

With car repair ranging anywhere from $8,300 to as much as $3. Consumers depend on their vehicles for daily use, repairs and maintenance is a must for comfortable travel. Drivers allocate as much as 6 cents for every dollar they earn to this industry. The automotive industry is rapidly changing due to consumers buying more of new vehicles that are more efficient, driving the average age of cars to lower levels. Even the industry shows slower growth of about 1.7% percent from last years.

When working close with our business owners, we realize that it’s much harder to track which months would yield both busy and slow periods thus financing is an essential financial cushion. With lower gas prices we expect this industry to outperform current projections. Our business owners depend on us in order to replace their current equipment by applying for equipment financing, refinance current debt, hire additional employees, purchase more inventory, cover daily expense with a business loan, improve cash flow or allocate majority of business financing on advertising and marketing.

Business owners take advantage of our working capital loan product to grow their business. Equipment financing could help to purchase used or new equipment besides from refinancing or replacing equipment while line of credit could stabilize volatile cash flow. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Agriculture Financing

Agriculture industry is in turmoil due to a political pressure with other countries. There are some 2.04 million farms in the U.S. From the total amount of farms, 5.7% posted an operating loss in 2015, 6%+ in 2018 and that number is on the rise in the upcoming years. Farmers have never been more worried than the past recession and the outlook for this industry is far from being clear, thus obtaining financing is key to storm lower prices across the market or save business from failure as traditional banks are becoming more conservative.

The low commodity prices will settle further due to large inventories which would be difficult for demand to increase in order to support growth in prices. USDA’s forecast net farm income, a measure of farm profitability, was projected to be at the lowest level in 2018 from 10-year period. 2013 was the peak thus it has been the largest ever 5-year decline. The current farm debt has climbed higher in 2018 to 13.4% since the highest level since 2009. This sounds an alarm within the industry and a sign why banks are becoming less aggressive in providing financing. Business owners who are in distress would benefit from our short-term business loan while refinancing their current debt for a longer period to stretch out the payments with other products.

Owners take advantage of our working capital loan product to grow their business and ease distress. Equipment financing could help to secure longer terms and decrease debt payments, while a line of credit could stabilize cash flow over seasonality. Operators use financing to cover account payables while preparing for the harvesting season. Operating a successful farm is not an easy task as owners are faced with many challenges. Our capital specialists would assist you in finding the financing that would best fit your needs.


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Become A Partner


Vendor Partner Program

Sell more equipment and increase your profit margins by partnering with us. This program is designed to help vendors gain more control over their customers and help structure custom financing options. The vendors could benefit from this program by working with us in offering customers more payment options and flexibility and increase sales.

Our vendors have reported annual sales growth by as much as 30% and net margins increase by as much as 10%. This program can also eliminate frustration your customers might have from not being able to secure financing with a traditional lender. This program's main goal is to secure each sale when it comes to financing and retain the customer for long-term.


Program Benefits


  • Increase your sales
  • Offer more payment options
  • Increase your closing %
  • Reduce your receivables
  • Offer more flexibility
  • Increase customer satisfaction


Referral Partner Program

Banks lending practices are rigid at times and don't see businesses the way we see it. We want our referral partners to say "Approved" and help to cross-sell products and enhance customer retention. We welcome referral partner programs from community banks, financial advisors, equipment finance brokers, MCA brokers and alternative lending companies.

Partnership with us could help increase closing rates and have a substantial effect on net margins. This program is designed for clients who are direct and not direct lenders as well as consultants with one goal is to secure financing for customers.


Program Benefits


  • Increase your sales
  • Increase your closing %
  • Receive referral fee’s
  • Receive pro-share commission
  • Increase customer satisfaction
  • Offer more flexibility


Syndication Opportunities

We believe in our risk appetite and are open to purchasing outstanding receivables from lending institutions. We are also seeking syndication partners to help us structure better financing opportunities. We are open to purchasing and selling receivables from alternative lending partners and brokers and in return offer income and profit pro-sharing.

In order to offer flexible financing, balance sheet liquidity is key for us and our partners. We pool our undertaking expertise with outside partners in order to increase net margins and provide a healthy return. Our third-party partners rely on us to help them broaden their investment and diversify their portfolio.


Program Benefits


  • Increase your net margins
  • Increase financial liquidity
  • Maintain control of customer
  • Earn fee income
  • Sell receivables & earn %
  • Offer more flexibility

How may we help you?

Our capital specialist will contact you.


  • (844) 550-5035

135 East 57th Street, New York, NY 10022