How it works
Funds Direct Service exists to make funding legible for small businesses — one application, a real conversation, and terms you can compare.
- 1
Apply in minutes
Answer a handful of questions about your business. No documents required to start, and no impact on your personal credit.
- 2
Review your options
A Funds Direct Service funding specialist reviews your profile and matches you with the programs you actually qualify for.
- 3
Get funded
Approve your terms and receive funds in your business account as soon as 24 hours.
Our funding products
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
Common 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.