Empowering BusinessesTo Grow
We're on a mission to make premium business financing accessible, transparent, and fast—so you can focus on what matters most: growing your business.
Leadership Team
We have built a formidable Silicon Valley institutional investor network over the past 30 years.

Ryan Baird
Ryan Baird is a 3rd-generation Silicon Valley native, who began his career at the prestigious Morgan Stanley office on Sand Hill Road after graduating from San Jose State University. After joining Maverick, a leading Chicago-based hedge fund, he quickly rose to become the #1 derivative trader. In 2010, Ryan launched his own venture, Flotilla Asset Management, where he has since managed billions in trading volume and raised hundreds of millions for a diverse portfolio of private companies, funds, and scale-ups. His extensive network includes investors with billions in dry powder and trillions in assets under management.
Since 2009, Ryan has hosted hundreds of institutional investor events across 19 countries, bringing together leaders from Fortune 500 companies, unicorn founders, high-ranking elected officials, and key institutional investors, showcasing their breakout portfolio companies. Under his leadership, G-Startup Worldwide not only launched Didi Global (DIDIY, $67B IPO) but also invested in XPeng Inc (XPEV, $11B IPO). Most recently, Ryan successfully raised $35M for his startup LYKA, which he later sold to focus on his new venture, Baird Augustine.

Henry Augustine
Henry Augustine, MBA, PMP, RR (CRD#: 7691877) wields 17+ years of technology entrepreneurship, strategic dealmaking, and general management experience, with $1B+ in total contract value secured, 30+ businesses launched, and a 70%+ 13-year IRR. The company he founded in his dorm room became a venture studio with $50M+ in AUM. Augustine earned his MBA from UCLA before commanding a 130-person organization, growing the company's market cap to $500M and exceeding 30% month-over-month revenue growth.
He was then recruited by a Fortune 50 enterprise to serve on its 25-person Corporate Strategy team - strategically advising the C-Suite and Board of Directors on billion-dollar business cases - before being promoted to lead the company's influencer and celebrity ventures.

Will Schulz
Will Schulz is a seasoned technologist, engineer, and entrepreneur with over a decade of experience building secure, scalable software platforms at the intersection of finance, data, and automation. He earned a B.A. in Computer Science and Economics from the University of California, Santa Barbara, and began his career as a Silicon Valley software engineer and business intelligence consultant, working across data systems, analytics, and product architecture.
As CTO of Direct Credit, Will leads platform engineering, infrastructure, and security, overseeing the development of a modern business lending platform designed for reliability, speed, and compliance at scale. He brings deep expertise in fintech systems, data pipelines, and risk-sensitive applications, with a strong emphasis on code quality, system integrity, and long-term technical resilience. In parallel with his role at Direct Credit, Will is the founder of AW3 Technology, a venture studio focused on building and advising early-stage software companies across fintech, AI, and Web3.
Our Experience
Since 2009, we have perfected roadshow events.
NVIDIA 2003
Event hosted by Ryan Baird
Making Business Financing Simple & Accessible
Traditional business lending is broken—too slow, too complicated, and too opaque. We founded Direct Credit to change that. Our mission is to provide growing businesses with the capital they need, when they need it, with terms they can understand.
We believe that every business deserves access to premium financing solutions. Whether you're expanding operations, purchasing equipment, or managing cash flow, we're here to help you succeed.
Our Core Values
These principles guide everything we do, from how we treat our clients to how we build our products.
Client-First Approach
Every decision we make starts with one question: how does this benefit our clients?
Integrity & Transparency
We believe in honest communication and clear terms, including telling you when you don't qualify yet.
Innovation
We continuously improve our processes to deliver faster, smarter financing solutions.
Partnership
We see ourselves as partners in your success, not just a lender.
Why Businesses Choose Us
- An honest estimate of what you qualify for, before you apply
- One application, matched to lenders whose criteria fit
- Instant preliminary assessment when you submit
- Offers and counter-offers compared in your dashboard
- Founders with capital-markets and engineering backgrounds
- SSNs encrypted at the field level; data encrypted in transit and at rest
Ready to Get Started?
Our team is ready to help you find the perfect financing solution for your business needs.
Apply NowLet's Build Your Success Story
Connect with our team today and discover how Direct Credit can help your business reach its full potential.