• About Us For more than 20 years, Direct Capital has been committed to helping small businesses succeed. Contact Us

  • Lending That Is Small Business Inspired

    Direct Capital is passionate about enabling customer success. With more than 20 years’ experience as a small and mid-sized business lender, Direct Capital knows that simple, rapid access to capital is critical for business growth. As a division of CIT Bank, N.A., we enjoy the frictionless process of an online lender with the stability of a banking model. Our online lending platform provides 6-month to 7-year financing at competitive prices with remarkable speed. CIT bolsters this effort with more than a century of experience providing financing, leasing and advisory services to small and middle market businesses. Over the years, Direct Capital has lent $4 billion to more than 100,000 businesses spanning a variety of industries, and that work is far from complete.

    Our goal is to provide our customers with a remarkable and happy experience. With one of the lending industry’s highest customer satisfaction ratings, we’re certain we have an understanding of what customers want and need to be successful. CIT’s long-standing relationships with clients from a wide variety of industries in combination with our own cross-industry experience enables us to help all kinds of businesses reach their goals.

    2017: $4 Billion in financing for over 100,000 American small businesses. 2015: launched customer portal and Ecommerce application. 2013: Launched balace sheet direct loan and net term financing products. 2011:Credit automation and management assets division launched. 2009: Launched SMB working capital products based on credit recievables. 2005: Becomes direct lessor, establishing conduit facilities with major banks. 2002:Created funding source syndicate across an entire credit spectrum. 1999: Launched vendor division to support equipment dealer. 1993: Formed as a direct marketing broker of equipment leasing

  • Why Direct Capital

    See what sets Direct Capital apart from other lenders, and learn how we can help your business grow.

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    Read what our customers have to say about their financing experience with Direct Capital.

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    What's New

    Being a leading small business lender means more than just providing flexible financing - check out what’s new with Direct Capital and catch up on our latest press.

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    Where Culture Matters

    Learn how Direct Capital's core values and philanthropic efforts truly shape our unique culture.

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    Want to join the Direct Capital team? See what positions are available. 

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  • If You Can Dream It, We Can Finance It.

    Since 1993, over 100,000 small businesses from all different industries have relied on Direct Capital to provide more than $4 billion in financing to help grow their businesses. Companies across the country, just like yours, are looking to Direct Capital for financing for equipment and technology purchases, payroll and inventory loans, and much more. Get started with us today.

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  • Web Content Accessibility Guidelines

    Direct Capital, a division of CIT Bank, N.A. is dedicated to serving persons with disabilities. With this goal in mind, CIT is currently working to meet the website usability and design requirements set forth in Web Content Accessibility Guidelines 2.0 Level AA recommended by the World Wide Web Consortium (W3C).