Direct Merchant Funding


Purchase & expand with a SBA commercial real estate loan

We’re are a dedicated marketplace for SBA loans— Assisting small businesses in successfully funding loans for the entire United States. Get rates as low as 7.00% and Capital options up to $5,000,000 with Direct Merchant Funding.


$30,000 – $6 million


7.00% – 9.25%*


2 – 25 years

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

Buy Commercial Real Estate with Direct or refinance it

Direct Commercial RE loans are a great option for investors & small businesses looking to buy a building for office, retail use, or other commercial space used for business.  Refinance an existing commercial real estate mortgage is also an excellent way to free up cash flow and working capital.

How This Works

Direct Merchant Funding working capital programs for small business

Pre-qualify With No Impact to your Credit Score

Pre-qualify in minutes without disturbing your credit score. Easily provide basic information and we’ll automatically let you know if you pre-qualify for funding ranging from $30,000 to $5,000,000. If you don’t qualify, you may meet other program requirements without applying again resubmitting information over and over. With NO hard credit pulls!

Provide Your Financial Information

Let us know how you plan to use your business capital for commercial realty, and provide us with bank statements or business financials. Your Directsuccess manager will be there to assist you thru the entire process.

Property Valuation Letter of Intent

You’ll receive a letter of intent (LOI), non-binding, with the details of your SBA commercial real estate loan making it possible to negotiate with the seller of the property or your current lender. The property will need to be valued as well to complete the loan process.

Receive your Funds in as little as 10 days

Once we review your financials, and the needed documents for your application, we ensure your business has the cash flow to afford and make your loan payments. Funds can then be in your bank account as soon as a month after for the properties closing costs. From begining to end we are with you in the process.

Let Direct Merchant Funding help secure capital for your business

Pre-qualify in minutes without impacting your credit score from $30,000 to $5,000,000. Receive multiple competitive offers without re-submitting any information. Our simplified process makes it easy to obtain the cash you need to make dreams happen.

Buy awesome properties, with affordable loan costs.

Using our low cost commercial real estate loans you can buy and significantly add to your cashflow, which allows you to give your property the needed touches to enhance your ROI.

Get your free NO obligation quote NOW

View your options in minutes with our no obligation, no impact on your credit score free pre-qualification quote today!

Questions? Call us (877) – FUNDING
Our expert reps have the answers.

A marketplace for true growth.

What clients of Direct say...

Owner, Delicate Edibles "After a friend of mine mentioned she was able to renovate her entire kitchen thanks to Direct Merchant, I decided to give it a go. I was shocked at how little I had to do once they took over, and I will certainly be passing the recommendation on"
Lisa Brighton
Owner, Extreme Graphics "Since we were only in business for 7 months, we were turned down by all of our local banks. Steve at Direct worked with us and was able to get us a line of credit that we have used ever since, will be 2 years next week!"
Jeff Goldsmith
Co-Owner, DC's Cycle Shop "When we needed money to purchase a piece of equipment we were getting a deal on, I was sure no one could pull it off within 36 hours. To my surprise, within minutes I had multiple offers and received the funds the next day"
Christian Miller

We’re About Your Business. That’s Direct.

Direct Merchant Funding is dedicated to providing an experience that seamlessly goes from funding to the use of capital with vibrant clarity and a good feeling of your choice in our business financing products.

Quick and Seamless Process 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.

We make the funding process simple, and affordable for your business

We are committed to help more small businesses accomplish their goals.  Our marketplace for loans helps increase the approval rates for business owners by identifying the lenders that will work best for your unique situation, and have them compete against each other to get you the best deal!