Working capital built for small businesses.
Business Funding Up to $2MM
Apply in minutes. Get funds as soon as 24 hours.
- No impact to personal credit
- 2-minute application
- Funding in 24 hours
Estimate your options
$5,000 – $2MM
- 6+ months in business
- $10,000+ monthly revenue
- All credit profiles considered
Free. No obligation. Soft inquiry only.
Funding in three steps
Apply in minutes
Answer a handful of questions about your business. No documents required to start, and no impact on your personal credit.
Review your options
A Funds Direct Service funding specialist reviews your profile and matches you with the programs you actually qualify for.
Get funded
Approve your terms and receive funds in your business account as soon as 24 hours.
Funding products
Programs built around how small businesses actually earn and spend.
Business Line of Credit
Draw what you need, when you need it. Ideal for small businesses managing seasonal swings and payroll gaps.
- Revolving access
- Pay interest only on what you draw
- Up to $500K
Term Loan
A single lump sum with fixed, predictable payments — for expansion, equipment, or refinancing higher-cost debt.
- Fixed payments
- 3 – 60 month terms
- Up to $2MM
Revenue-Based Financing
Payments flex with your sales. Built for small businesses with strong revenue but uneven months.
- Payments follow revenue
- No fixed collateral
- Funding in as little as 24 hours
Why small businesses choose Funds Direct Service
One application, multiple programs
We match your profile against our full lender network so you're not re-applying five times.
Real people, not a portal
A dedicated specialist calls you — reachable directly at (540) 253-1896.
Speed that matches your calendar
Same-day decisions and funding as soon as 24 hours after approval.
Transparent cost
Total payback, fees, and payment schedule in writing before you sign anything.
What business owners say
"We needed inventory cash before our busiest quarter. Funds Direct Service had an offer to us the same afternoon."
"The application took me about three minutes on my phone. Funds hit the account two days later."
"Straight answers, no runaround. They told me what I qualified for and what I didn't."
Frequently asked questions
Will applying affect my credit score?
No. Submitting an application results in a soft inquiry only. A hard pull happens only if you accept an offer and ask us to proceed.
How fast can I receive funds?
Many approved businesses are funded within 24 hours of accepting terms. Timing depends on your bank and program.
What do I need to qualify?
Most small businesses we work with have at least 6 months in business and $10,000+ in monthly revenue. Requirements vary by program.
How much can I borrow through Funds Direct Service?
Programs range from $5,000 up to $2MM, based on revenue, time in business, and credit profile.
Is there a cost to apply?
None. Applying and reviewing your options is completely free, with no obligation to accept.