Access business capital for your growth.
Direct Merchant Funding helps established businesses compare multiple funding paths and structure capital around the way the business actually operates.
One conversation. Multiple funding paths.
We evaluate revenue, time in business, industry, capital need, intended use, and current obligations before recommending a route.
The right capital for a bigger tomorrow.
From longer-term financing to faster working-capital solutions, the objective is to match the structure to the business need.
SBA Loans
Longer-term financing through participating lenders for qualified businesses pursuing growth, acquisitions, eligible refinance, and major investments.
Explore sba loans →
Business Term Loans
Defined repayment structures for established businesses that want predictable financing outside a long SBA process.
Explore business term loans →
Lines of Credit
Flexible revolving access to capital for inventory, payroll timing, projects, and recurring short-term needs.
Explore lines of credit →
Working Capital
Faster business capital when timing matters and the business can support a shorter repayment structure.
Explore working capital →
Equipment Financing
Preserve liquidity while acquiring vehicles, machinery, technology, or other revenue-producing equipment.
Explore equipment financing →
Commercial Real Estate
Capital strategies for owner-occupied property, acquisition, expansion, and eligible refinancing situations.
Explore commercial real estate →Built for businesses that keep America moving.
Capital strategies for established businesses across service, retail, construction, healthcare, professional, and industrial sectors.
Restaurants & Hospitality
Growth, renovations, equipment, inventory, and working capital.
Explore industry funding →
Construction & Contractors
Project mobilization, materials, equipment, and cash-flow support.
Explore industry funding →
Medical & Dental
Practice growth, technology, buildouts, acquisitions, and equipment.
Explore industry funding →
HVAC & Trades
Vehicles, inventory, payroll timing, equipment, and expansion.
Explore industry funding →
Retail & E-Commerce
Inventory, marketing, locations, fulfillment, and seasonal capital.
Explore industry funding →
Professional Services
Hiring, acquisitions, technology, expansion, and working capital.
Explore industry funding →A smarter way to get funded.
Get to the right conversation faster by starting with the business profile rather than a generic product application.
Apply
Submit a short business profile and tell us what the capital needs to accomplish.
Analyze
We review revenue, time in business, existing obligations, and product fit.
Compare
Qualified applicants can compare realistic funding structures and next steps.
Move forward
Choose the path that fits and complete the remaining lender requirements.
See what kind of review fits your profile.
This interactive checker is directional only. It is designed to get the visitor into the right conversation, not promise an approval.
Choose a few details to build your profile
What does the capital need to accomplish?
The use of funds changes the financing conversation. We organize the review around the objective first.
Businesses that keep moving.
Restaurants, construction, healthcare, trades, retail, e-commerce, automotive, professional services, transportation, manufacturing, and more.
View Industries →Capital structure matters more as the deal gets larger.
Larger requests deserve a clearer view of repayment, timing, collateral considerations, current debt, and the expected return from the capital.
Support new locations, staffing, inventory, equipment, or operating capacity.
Evaluate seller notes, equity contribution, lender requirements, and longer-term acquisition capital.
Assess whether existing obligations can be reorganized into a structure that better supports operations.
Funding should fit where your business is going.
Whether the objective is expansion, acquisition, equipment, real estate, refinancing, or cash-flow support, start with the goal and build the capital structure around it.
Build My Capital Profile →Ready to explore your capital options?
Start with a short business profile. We’ll use it to identify realistic financing paths.