Square Loans vs National Funding

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Square LoansBlock	National FundingNational Funding
In one line	Advances for Square sellers, repaid from card sales	Working capital up to $500K and equipment financing
Starting price	Flat fee, no interest	Rates by quote
Six-person team	Flat fee, no interest	Rates by quote
Plans	One flat fee per loan, no interest; a fixed share of daily card sales repays it	Working capital $6K-$500K, daily or weekly payments over 4-24 months; equipment financing up to $150K over 2-5 years; rates not published; most customers 600+ FICO
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Square only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated (US)	Every plan
Live chat	Plans not stated	None listed
Support hours	Not published	Phone: Monday – Friday 7:30am to 4:30pm PT
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page	We found no public status page for National Funding.
Trustpilot score	Not listed	4.6 / 5 from 2,215 reviews
Fit: Retail shop	90	72
Fit: Restaurant or café	85	75
Fit: Service business	70	68
Fit: Agency or studio	20	55
Fit: Trades or contractor	50	78
Fit: Online store	40	62
Why people pick it	Offers appear automatically No fixed monthly payment	Large amounts Equipment financing too
Where it falls short	Must sell through Square Minimum repayment every 60 days	Rates not published Daily or weekly repayments
	Visit Square Loans ↗	Visit National Funding ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices