Direct Funding is a direct lender. We originate, underwrite, approve, fund, and service business financing from our own balance sheet. The decision to approve, decline, or modify any application is made by Direct Funding LLC, not by a third party.
Direct Funding is a non-bank direct lender. We are not a bank, savings association, credit union, or trust company; we do not accept deposits; and our financing products are not FDIC- or NCUA-insured.
Where required, Direct Funding LLC maintains the commercial lending licenses and registrations for the states in which we originate financing. Our state license numbers, and any applicable NMLS identifier, are available on request and at the time an offer is presented.
All offers are subject to Direct Funding's underwriting and credit approval. Amounts, rates, fees, frequency, and terms vary by product, time in business, revenue, industry, creditworthiness, and collateral. Not all applicants will qualify, and submitting an application or pre-qualification does not guarantee approval or an offer. Pre-qualified amounts are not commitments to lend.
All credit decisions are made in-house. When you apply, Direct Funding LLC reviews and underwrites your application using our own underwriting criteria, and the decision to approve, decline, or modify any application is made by Direct Funding — not by an outside bank, investor, or third-party lender network. We do not route your application to a marketplace of competing lenders to make the credit decision.
All financing products referenced on this site are for commercial and business purposes only. Direct Funding does not offer consumer loans, personal loans, residential mortgages, home-equity lines, personal auto loans, student loans, personal credit cards, or any other form of consumer credit.
Direct Funding is an equal opportunity lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public-assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, or on the basis of any other classification protected by federal, state, or local law. The federal agency that administers compliance with the Equal Credit Opportunity Act concerning Direct Funding is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.
As part of evaluating an application, Direct Funding may obtain consumer credit reports (Experian, Equifax, TransUnion), business credit reports (Experian Business, Equifax Small Business, Dun & Bradstreet, PayNet), and bank-transaction data. Pre-qualification uses a soft inquiry that does not affect your credit score. A hard inquiry is made only after you submit a full application, are presented with a proposed offer, and provide written authorization. You have rights under the Fair Credit Reporting Act, including the right to a free annual report at annualcreditreport.com and to a Notice of Adverse Action if an application is declined.
Direct Funding earns the interest and fees on the financing we make. We are not paid a referral fee or commission by a third party for the financing we extend. The all-in cost of the financing is disclosed in the offer letter and loan documents you review and sign.
We disclose the all-in cost of every offer — interest rate or APR, origination, and any other fees — in writing before you sign. Where state law requires a specific commercial-financing disclosure format, that disclosure is delivered alongside the offer in compliance with applicable law. If we cannot disclose a number, we will not represent it as one.
Specific commercial-financing disclosures required by the following jurisdictions, and other applicable jurisdictions, are provided to qualified applicants at the time a financing offer is presented, in accordance with applicable state law:
Direct Funding operates an SMS messaging program, Direct Funding SMS. We send SMS messages related to your loan inquiry and application, including application follow-up, status updates, signing reminders, one-to-one conversations with your loan officer, and marketing and promotional messages about available financing. SMS messages are sent only to applicants who explicitly opt in by checking the SMS consent box on our application form.
Consent is not required to obtain financing. Message frequency varies based on the stage of your application. Msg & data rates may apply. Reply STOP to opt out at any time; reply HELP for support, or contact us at info@direct-funding.net. Mobile opt-in data and consent are not shared with any third parties or affiliates for marketing or promotional purposes.
See the SMS Messaging Program section of our Terms of Service and the Text Messages, Phone Calls & Consent section of our Privacy Policy for full details. The exact opt-in language and a screenshot of the consent checkbox as it appears on our application form are available on our SMS Consent page.
Information on this site is provided for general informational purposes only and does not constitute a commitment to lend, an offer of credit, or financial, tax, or legal advice. You should consult your own qualified advisors before entering into any financing arrangement.
We work to keep the information on this site accurate and current, but products, rates, fees, and terms are subject to change without notice, and the site may contain errors or omissions. Nothing on this site is an offer or commitment to lend. The controlling terms of any financing are those set out in the offer letter and the signed financing agreements you review.
"Direct Funding" and the Direct Funding logo are trademarks of Direct Funding LLC. All other trademarks are the property of their respective owners; reference to them does not imply endorsement.
Questions about these disclosures? Contact us:
800 North State Street, Suite 304, Dover, DE 19901
Email: info@direct-funding.net
Phone: (929) 250-0186
Web: direct-funding.net