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    $50K–$1B+Business financing, one application

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    Lending Solutions

    One application, matched to lenders whose criteria fit your business. See what you're likely to qualify for before you apply.

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    Public beta · No obligation · No credit pull to pre-qualify

    Do I qualify?

    Three numbers. No credit pull.

    $50K+
    Requests accepted, up to $1B and beyond
    Instant
    Preliminary assessment when you submit
    8
    Financing types, from credit lines to supply chain

    Why Direct Credit

    Built for ambitious growth.

    Premium lending solutions designed for businesses ready to scale — with the speed of a fintech and the care of a private bank.

    Flexible Amounts

    Requests from $50K to $1B+, across eight financing types from credit lines to revenue-based financing.

    Instant Assessment

    A preliminary assessment the moment you submit: the range you're likely to qualify for, and why.

    Lenders Compete

    One application, matched to every lender on the platform whose criteria fit your business.

    Secure & Private

    Encrypted in transit and at rest. Your SSN is encrypted separately and never shown to lenders.

    Real People

    Our lending team reviews applications and answers your messages directly.

    No Obligation

    Offers and counter-offers arrive in your dashboard. Nothing is binding until you accept.

    Which product fits me?

    What is the capital for?

    Not sure? Compare all four or ask a specialist.

    Recommended

    Business Line of Credit

    Cash-flow gaps, payroll and inventory call for a line you can draw on and repay.

    Draw and repay as needed; interest only on what you use.

    See line of credit detailsEstimate a payment

    Our process

    Simple path to capital.

    From first conversation to funds in your account, every step is streamlined — and a dedicated advisor is with you throughout.

    2 mins
    DC
    See what you qualify for
    Started 2019 · $4.2M revenue · Term loan
    Businesses like yours typically qualify for $630K – $1.5M.
    Continue to application
    01Pre-qualify
    • Three questions, no credit pull
    • An indicative range, with the reasons
    • Pointers if you're not there yet
    20 mins
    Business
    Northwind Logistics LLC
    Annual revenue
    $4,200,000
    Amount requested
    $750,000
    02Application
    • One streamlined application
    • Upload statements and returns
    • Save and resume anytime
    Instant
    Documents Received
    Lender review In progress
    Preliminary assessment: strong
    03Review
    • Preliminary assessment the moment you submit
    • Matched to lenders whose criteria you meet
    • Lenders review documents and ask for more
    Varies
    Offer received
    $750,000
    Term loan · 60 months
    Your decision Pending
    04Offers
    • Offers and counter-offers in your dashboard
    • Nothing is binding until you accept
    • Closing and funding with your lender

    From the blog

    Insights for borrowers.

    Rates, programs and deadlines that change what you can borrow, written for owners and finance teams.

    View all articles
    Industry Insights

    The Fed Just Raised Rates for the First Time Since 2023. October 28 Could Make Your Loan Even More Expensive

    Prime is now 7.00%, inflation just jumped to 3.7%, and traders sharply raised the odds of another hike this month. If your business carries variable-rate debt, you have about ten days to decide what to do.

    7 min read
    Lending Tips

    You Have 75 Days to Claim a $2.56 Million Tax Break. Most Business Owners Will Miss It

    Equipment you finance and put into service by December 31 can be deducted this year, up to $2.56 million under Section 179, with 100% bonus depreciation on top. The catch: 'in service' means delivered and working, and supply chains don't care about your tax deadline.

    7 min read
    Lending Tips

    The SBA Rewrote Its Rulebook on October 1. Here's Who Just Got Shut Out

    New SBA 7(a) rules took effect this month. Green card holders are out, business buyers face a tougher cash flow test, and even small acquisition loans now get full underwriting. Here's what changed and what to do if it affects you.

    8 min read

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    Ready to fuel your growth?

    Partner with us to access premium financing solutions tailored to your business needs.

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    No obligation · Minimum $100K loan amount