Direct Merchant Funding


Save more with an SBA loan by refinancing your current balances

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 up to $1,000,000 with Direct Merchant Funding.


$30,000 – 6 million


7.00% – 9.25%*


2 – 5 years

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

You can use the capital to help your business in number of ways:

Merchant Cash Advance
Short Term Business Loan
High-Interest Business Loan
Daily or Weekly Payments
Business Credit Cards

Why should you refinance your balances with Direct?

Your existing debt is able to benefit from refinancing with a SBA consolidation loan.  A wise step to take if you want to expand and save big huge amounts.  Cumbersome and frequent payments can challenge day-to-day business operations.  Extra cash flow can be used to help the business push toward growth.  Let Direct Merchant Funding provide smart affordable solutions.

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 a business loan from $30,000 to $1,000,000. If you don’t qualify, you may meet other program requirements without applying again resubmitting information over and over.

Provide Your Financial Information

let us know how you plan to use your business capital, and provide us with financials about your business. Your Directloan experts will be there to assist you thru the process from start to finish.

Get Your Funds Deposited to Your Account

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 week after your application is submitted.

Let Direct Merchant Funding Funding help secure capital for your business

Pre-qualify in minutes without impacting your credit score from $30,000 to $350,000. Learn your option without re-submitting any information. Our simplified process makes it easy.

Savings can mean more inventory, staff, etc.

By using our low cost working capital loans you can save much and significantly add to your cashflow, giving your business the room needed to grow.

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.

Main requirements for SBA Refinance Loan

While these are the main requirments for SBA Refinance loan, should you not qualify we strongly recommend you getting a prequalify quote to view all of your options from the traditional to alternative financing programs as well.  Let Direct Merchant Funding assist you in determining the best program for you.


Business owners must be U.S. citizens or legal permanent residents


Bankruptcies or foreclosures in the last 3 years

2+ years in business

Outstanding tax liens

Business owners must have personal credit scores above 640

Credit Score below 450 (most cases is minimum)

Cash flow to support loan payments

Learn your options today with no impact on your credit

Select from $30,000 – $6,000,000

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
SBA Loans to Unsecured Working Capital

Quick and Seamless Process With Affordable Results

SBA Refinance Loan can Save Your Business Thousands every Month. Get Started Today.

We are committed to help more small businesses accomplish their goals in a manner that is clear and stress free.  Our simplified process helps increase  approval rates and makes the process an easy one by which all options are clearly made available.