Business Financing Options
Direct Capital is a direct lender and operates a full syndication desk. This unique blend enables us to approve and fund more business than many other finance
sources. Your Finance Manager will provide recommendations on how to strategically use financing to achieve your specific goals.
The best financing structure for your business will be based on various factors including your monthly budget, time in business, credit tier, equipment cost and equipment type.
We have worked with thousands of businesses. Through each transaction we continue to learn what business owners need, what they are challenged with, and how creative
financing can help turn those challenges into opportunity.
Business Financing Products & Services
100% Equipment Finance Programs
Direct Capital can finance a wide range of new and used equipment, technology and software. Finance 100% of any capital purchase including soft costs like training, maintenance,
installation and taxes. Get a 100% equipment financing quote.
Application-Only Programs
Get approved for up to $150,000 in purchases with no financial records required. Get an application only equipment financing quote.
Flex-Pay Equipment Financing
Seasonal and up to 90 day deferred payment options are available. These equipment financing programs help replenish cash flow and more closely match the monthly revenue and expense
associated with the purchase. Get a flex-pay equipment financing quote.
Start-Up Equipment Financing Programs
Secure up to $65,000 in financing for businesses with as little as one day in business. Additional financing may be available depending on the collateral financed.
Get a start-up equipment financing quote.
Equipment Refinance & Consolidation Programs
Refinance existing purchases or choose to consolidate existing debt with a new equipment purchase. Merge them onto one schedule and lower your monthly payment! This program
will help to free up your cash flow and streamline your monthly payments. Get an equipment refinance quote.
Master Lease Programs
Get up front financing approval and draw off those funds over time through a simple one page lease supplement. Each draw off the existing approval is subject to final
credit review and may require additional documentation.Get master lease equipment financing quote.
Equipment Leaseback Programs
Direct Capital will advance up to 50% of the appraised market value of qualified equipment you currently own. This program is intended for clients who have purchased
equipment and wish to use the proceeds from new financing as a source of additional working capital or to pay off existing high interest debt.
Get an equipment leaseback quote.
Working Capital Loan Programs
Strong cash flow and good payment behavior demonstrate the performance of your business and can help you to qualify for unsecured business loans from $5,000 up to $150,000.
By reviewing business performance in addition to credit history, we extend working capital loans to companies that we believe in, but may have been considered too risky by
traditional lenders. Typical uses for our small business loans include purchasing inventory, equipment, technology, temporary cash flow management (if your sales volume fluctuates),
working capital supplementation, marketing to generate new business, and unexpected business opportunities that you just can't pass up.
Get a working capital loan quote.
Merchant Cash Advance Programs
A Merchant Cash Advance is the purchase of future credit card receivables; it is not a loan. Banks have all but stopped providing a line of credit to businesses. A merchant cash
advance is a great way to get the cash you need if a line of credit is not an option for you. Sometimes called "credit card receivable funding" or "credit card factoring," eligibility
for a Merchant Cash Advance is primarily based on the strength and consistency of your business' credit card sales. A Merchant Cash Advance may offer many benefits to small businesses
and the small business owners who manage them. Get a merchant cash advance quote
Mid-Ticket Financing
We have a team dedicated to transactions of $100,000 - $750,000. Get a high ticket loan quote