Choosing a lender can be challenging. Small business owners need funds quickly, and from a financing partner that understands their unique needs. With all the different options available from every kind of lender, small business owners have a lot of factors to consider. Direct Capital is committed to serving small businesses and making the financing process as smooth as possible to help those businesses grow. With more than 25 years in business, they are a trusted lender with knowledge of almost every industry. Direct Capital’s leading technology enables business owners to apply online and receive their financing fast while enjoying a remarkable customer experience. They also hold an A+ rating with the Better Business Bureau, have one of the widest credit windows within the industry with the ability to go as low as a D level credit, and also offer start-up programs. 

                                     The Process
1. Apply Online. (It can take as little as 3 minutes.)
2. Verify your info. (Once approved, they will review your annual gross revenue, bank balance, and general payment history.)
3. Sign your documents electronically. (They will send your contracts in an online format.)
4. Get your financing!

Build Your Business with Equipment Financing

When your business needs upgraded equipment or technology to better serve your customers, you need access to payment options quickly.  Equipment financing from Direct Capital offers funding in as fast as 1 day to help you secure the assets that will enable your business to expand. Access up to $250,000 application only, or up to $1 million with financials, and choose from loan or lease options. Direct Capital offers flexible term lengths and repayment options to meet your business’ specific needs, and provides dedicated customer service to ensure you have a remarkable financing experience. Work with Direct Capital and you’ll be working with upgraded equipment in no time. Learn More

  • Uses:
    Restaurant Equipment
    Computer Hardware & Software
    POS Terminals
    Construction Equipment
    Commercial Vehicles
    Capital Equipment


  • For Equipment Financing:
    Direct Capital can finance up to $250,000.
    Term Length from 6 – 72 months.
    Rates as low at 5.49% for qualified customers.
    Offer extended line of funding: 25% – 35% cash or soft cost on top of the hard asset within a customer’s approval amount.
    Funding as fast as 1 day!
    There are no restrictions on new or used equipment.
    Contracts have a no pre-payment penalty.
    Equipment Financing is a tax write off.
    For repayment, they offer a wide variety of payment options and schedules including    monthly, seasonal, and deferred payments. 

Maintain Cash Flow with Working Capital

For small business owners, cash flow is critical for keeping business running smoothly. A working capital loan from Direct Capital can help you manage your cash flow for purchasing inventory, remodeling, buying advertising, or almost any other business expense. Direct Capital’s working capital loans offer small business owners access to up to $150,000 with term lengths ranging from 6 to 18 months. The best part? Working capital can be funded as fast as the SAME DAY you are approved for the loan. You’ll receive cash quickly and be ready to tackle anything your business needs.

  • Uses:
    Purchase Inventory
    Equipment / Technology
    Temporary Cash Flow Management
    Working Capital Supplementation 

  • For Capital Financing:
    Direct Capital can finance from $10,000 to $150,000 unsecured.
    Term Length from 6 – 18 months.
    Rates as low as 9.99% for qualified customers. (Rates vary based on requested loan terms and credit review)
    Funding as fast as the same day! 
    For repayment, the payments are automatically deducted in daily or weekly payments from your checking account. 

Upgrade and Expand with Franchise Financing

Get simple, fast financing for every franchise need with Direct Capital, from remodels and new stores to equipment upgrades, extra inventory and advertising. Direct Capital has worked with store owners of some of America’s most popular franchises to provide them with the financing they need to improve their stores and expand their businesses. Franchisees can access up to $250,000 application only or up to $1 million with financials by utilizing Direct Capital’s online application. With flexible terms and payment options, Direct Capital offers franchisees fast funding while providing a remarkable financing experience guided by years of experience.

  • Uses:
    Technology & Equipment Upgrades
    Working Capital
    New Stores


  • For Franchise Financing:
    Direct Capital can finance up to $250,000.
    Term Length from 6 – 84 months.
    Rates vary by product.
    Funding as fast as 1 day!
    For repayment, intervals vary by financing product. Seasonal and deferred payment plans are available.