Documentation &Resources
Everything you need to understand our products, navigate the application process, integrate with our platform, and stay up to date with new features.
Getting Started
Welcome to Direct Credit
An introduction to our platform and lending solutions.
Choosing the Right Financing
Compare loan products side-by-side to find the best fit for your business.
Account Setup Guide
Step-by-step instructions for creating and configuring your account.
Understanding Your Dashboard
Navigate your portal, manage notifications, and track applications in real time.
Guest Application Tracking
Track your application status without an account using your email and application ID.
Loan Payment Calculator
Estimate monthly payments and view full amortization schedules for any loan amount.
Product Guides
Business Lines of Credit
Complete guide to revolving credit facilities, terms, and best practices.
8 articlesTerm Loans
Everything you need to know about fixed-term business loans.
6 articlesEquipment Financing
Documentation for equipment loans, leases, and financing structures.
7 articlesReal Estate Loans
Commercial property financing guides and requirements.
9 articlesApplication Process
Prepare Your Documents
Gather required documents including financials, pitch deck, and business documentation.
- Signed MNDA & 2023–2025 financials
- Pitch deck & projections
- Sources & uses, exclusion list
- Business plan (optional upload)
Complete Application
Fill out our multi-step form with real-time validation and approval estimates.
- Business & owner info (multi-owner support)
- Live approval strength estimator
- Save as draft & resume later
- Server-side validation & duplicate detection
Track & Get Funded
Monitor your application in real time. Guests can track via email + application ID.
- Real-time status notifications
- Guest tracking without account
- Counter offer review & acceptance
- Funding in 1–3 business days
API & Integrations
Security & Compliance
Data Security
Enterprise-grade security with row-level access control, encrypted sensitive fields, and audit logging.
Learn moreData Retention
Automated retention policies: 30-day failed logins, 90-day deleted apps, 1-year audit logs.
Learn moreData Rights
CCPA/GDPR compliant data rights portal for access, correction, deletion, and portability requests.
Submit requestTerms & Privacy
Review our terms of service, privacy policy, and cookie management preferences.
View policiesChangelog
API & AI Agent Integration
- Model Context Protocol (MCP) server with 18 tools for AI agent access
- API key management UI with scoped permissions (read, write, admin)
- Secure key generation with SHA-256 hashing and one-time reveal
- Key validation endpoint for external system authentication
- MCP tools for application management, lender operations, and analytics
SEO, UX & Accessibility Improvements
- Breadcrumb navigation on all interior pages
- Back-to-top button on long-form pages
- Client testimonials and case studies on homepage
- Contact form success confirmation page
- Enhanced 404 page with helpful navigation suggestions
- Yearly amortization schedule in loan calculator
- Searchable FAQ page answers
- Dynamic sitemap generation with all routes
Application Flow & Notifications
- Guest application tracking via email + application ID
- Side-by-side loan product comparison tool
- Real-time approval strength estimator on application form
- Multi-owner support for business applications
- Save and resume partially completed applications (draft mode)
- Server-side application validation with sanitization and duplicate detection
- Real-time in-app notifications via bell icon with badge
- Field-level validation with helpful error messages
- Business plan document upload support
- Required vs optional fields clearly marked on forms
Lender Portal & Admin Tools
- Lender onboarding and profile management
- Lender criteria configuration for application matching
- Counter offer system for lender-borrower negotiation
- Notification settings: email, webhook, API polling, real-time
- Admin dashboard with user management and role assignment
- Audit logging for all critical actions
- Data retention automation with configurable policies
- CSV export for applications and audit logs
Security & Compliance
- Row-level security on all database tables
- Failed login attempt tracking and rate limiting
- Session expiry warnings
- Cookie consent management with preference controls
- Data rights request portal (CCPA/GDPR)
- Newsletter subscription with consent tracking
- Password strength meter on signup
Platform Launch
- Multi-step loan application with document uploads
- Borrower dashboard with application tracking
- Role-based access control (borrower, lender, admin)
- Blog with SEO-optimized articles
- Product pages for all loan types
- Contact form with admin review workflow
- Dark mode support
Downloadable Resources
Still Have Questions?
Our team is here to help. Contact us for personalized guidance on your financing needs.