Mon - Fri 07AM-4PM

Up to $5M

Flexible revolving funding.

Low Rates From 7.5%

Affordable business financing.

FAST PROCESS

Quick and easy approval.

Advance your Business with the Specialists in Small Business Funding.

Flexible financing built for your goals — whether you're growing, recovering, or just getting started, we’re here to replace or complement your bank with faster decisions and tailored solutions.

Line of Credit

Revolving credit lines up to $5 million, ideal for managing cash flow and short-term needs.

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Term Loans

Borrow between $10k and $10
million with repayment
terms up to 10 years.

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Equipment Financing

Finance new or used
equipment with loans from $10k
to $10 million.

Find Out More

Here's how it works.

From your initial application to receiving funds, we keep things fast, simple, and transparent. Here’s what you can expect when you apply with DirectCapitalExpress.

Apply Online

Whether you need working capital, equipment financing, or a line of credit, our streamlined application process ensures you can apply quickly and securely.

  • 1 Apply Online
  • Our application process is straightforward and can be completed online or over the phone.
  • 2 Get a Decision
  • Your personal loan advisor will discuss the options available with you for your business.
  • 3 Receive your funds
  • Finish the online aplication process and receive your funds on the same day.*

Apply here and get your loan today!

Business Form Loan

Step 1 of 10

How much money do you need?

$200,000
We have founded over 2,300 companies with more than $1 billion in capital.

Frequently Asked Questions.

DirectCapitalExpress offers genuine small business Term Loans and Lines of Credit. We have a single straightforward application for both term loans and lines of credit, so we can present you with all the financing options available to you and your business.

 

DirectCapitalExpress offers Term Loans from $10,000 – $500,000 over 3 – 24 months. We offer Lines of Credit from $10,000 – $5,000,000 with payback on draws up to 12 months. (The lines of credit are revolving, so as you pay it back, your available funds increase.)

We are mindful of your hesitation to have a credit inquiry on your record. In the US, we always do a “soft pull” (which doesn’t impact your personal credit score), unless your credit file is restricted, in which case we would contact you to lift the restriction and do a hard pull.

DirectCapitalExpress Minimum Requirements are:

  • 1 year in business $100,000 in business annual revenue
  • Business owner’s minimum personal credit score of 625

Our typical customer:

  • Has been in business 3+ years
  • Has a business annual revenue of $300,000+
  • Has a personal FICO score of 650+

DirectCapitalExpress serves over 700 industries, so it’s likely that we’re able to work with you. Just in case, here is a list of the few industries we can’t serve.

DirectCapitalExpress requires little to no paperwork to apply. Before you start filling out the application, make sure to have this information on hand:

  • Your Business Tax
  • ID number (EIN)
  • Your Social Security number
  • Estimated annual gross revenue
  • Average bank balance
  • You will need to submit your last 3 months of business bank statements.

The cost of your loan depends on many variables. Your actual rate is primarily determined by our DirectCapitalExpress Score technology. We analyze numerous data points and base your rates on the health of your business, not just your personal credit score.

DirectCapitalExpress uses frequent payments to pay back your loan without the burden of a large monthly payment that banks and many other lenders put on you. We know this is a little different, but it works for our customers. The daily or weekly payment is based on the amount and term length of your financing and is intended to be a manageable number based on the data you provided to DirectCapitalExpress.

If you take a loan from DirectCapitalExpress, an institution that reports to the business credit bureaus, and if you make timely payments, then these payments should help build your business credit profile, which in turn may lead to better offers if you apply for a loan again in the future.

DirectCapitalExpress reports to three of the major business credit bureaus—Experian, Equifax, and Paynet—so any future lender can see your good business credit profile if you make timely payments and pay down the loan in full. Want to know more? Read this quick article.

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What Our Client's Say

We applied on a Monday and had funds by Thursday. The process was smooth, the team was helpful, and we finally had the capital we needed to restock inventory before the busy season.

Michelle R.

Owner, Boutique Retail Shop

My local bank kept dragging things out. DirectCapitalExpress got me approved in days, not weeks, and offered better repayment terms. They truly understand small businesses.

Javier M.

Co-Founder, Construction Company

What stood out was how customized everything felt. They didn’t try to force a one-size-fits-all loan — they actually listened to my needs.

Ashley T.

Consultant, Healthcare Services

From start to finish, I had someone I could reach out to with questions. It wasn’t just about the money — it was about building a relationship.

Daniel K.

Owner, Logistics & Delivery Startup

DirectCapitalExpress is a trusted leader in small business funding, providing reliable and fast capital solutions across the U.S.

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