Bank Term Loan Programs

The right options for
your business at the
right time

We’re are a dedicated marketplace for Small Business loans— Assisting small business owners in successfully funding their dreams, across the entire United States. Get rates as low as 7.00% and Options up to $1,000,000 with Direct Merchant Funding.


$10,000 – $2 million


7.00% – 9.25%*


2 – 5 years

        We are committed to help even more small businesses accomplish their goals.

We are committed to help even more small businesses accomplish their goals.

The right business loan at the right time is the Direct way

Many say the SBA loan is the best for small business owners who want to expand.   We agree, funds from these loans can help in a plethora of ways to help a small business thrive.  We assist in reviewing costs, qualifications, use, etc. to help you understand and determine if this type of loan is the best option for your business.

Simplified Application Process

With only a simple application to complete, applying for funding and loan options thru Directis streamlined. Our team of experienced-specialists are available to help you understand all of your options and choosing the best one for your buisness needs.


Bank Term Loan Breakdown

Compared to traditional 10 year loans, bank Term loans are normally designed to be repaid over period of shorter than that.  This is a compensation of risk for those not qualified for the traditional product. These loan types are often viewed as a great way to funds your business until you are ready for a more traditional loan, like SBA.

Direct Merchant Funding can provide the following Term loan options through our partners for working capital, debt refinance and new equipment purchase:

  • $30,000 to $500,000 loan amounts
  • 2 – 5 year repayment terms
  • Fixed rates from 6% to 30.99%*
  • Monthly and weekly repayments
  • No pre-payment penalties
  • Early Payoff Discounts

*Interest rate depends on loan term and the applicant’s credit and financial profile (past and present)

Questions?  Speak to Direct specialist today
Call us at 877- FUNDING

Our representatives are more than just sales people, they know and care about the right products being placed with you at the right time.  Let Direct’s expert staff answer any questions you may have.

And, what do they cost the borrower?

We can offer Bank Term loans for small businesses that don’t qualify for an SBA loan immediately. This is also for times where funds may be needed quicker.  Our system enables fast and easy SBA loan process with monthly payments and great rates, Our SBA banks increases the chance of getting an approval, and funding your loan.

Basic Qualifications


Business owners must be U.S. citizens or legal permanent residents
2+ years in business

Business owners must have personal credit scores above 640

Cash flow to support loan payments


Bankruptcies or foreclosures in the last 3 years

Outstanding tax liens

Credit Score below 450
(most cases is minimum)

Experience premium access to top working capital today

Get a pre qualification quote with no impact to your credit score.

We can offer Bank Term loans for small businesses that don’t qualify for an SBA loan immediately. This is also for times where funds may be needed quicker than the traditional lending process may take.  Alternative lending solution can be ready in just 48 hours.  

Quick and Seamless Process with Affordable Results

Quick and Seamless with Affordable Results

Direct's business capital market place has it all from SBA & Term Loans to Working Capital with no collateral needed.  Options that work for your business.

Direct Merchant Funding helping small business get ahead & grow

Direct Merchant Funding can provide your business with flexible and affordable options with a simple application process that gives you options with the bank product most likely to match your loan needs.

Direct Merchant Funding offers flexible financing options for buisness owners who want to grow their small business intelligently with affordable capital options.  


Referral Partners

Bank Partners

Strategic Partners

Start today or call (877) FUNDING 
Available 9:00am - 7:30pm  Monday - Friday  

Business Financing

Business Line of Credit

Invoice Financing

Contact Us

P:  (877) FUNDING


  Direct Merchant Funding


Direct's market place for business financing and capital make it easy and simple to get affordable options on getting capital that fits your business

Direct Merchant Funding
SBA, Bank, Term, Factor Loan Programs
Office No.  (934) FUNDERS
667 route 109 ste 3038 west Babylon NY 11704


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