How much funding can a business get from Direct Fast Funding?

Businesses can access $10,000 to $5,000,000 depending on monthly revenue, time in business, and product. Working capital starts small; equipment financing and lines of credit reach the top of the range.

Can I qualify with bad credit?

Yes. Approvals are based on business cash flow and deposit history, so a 500+ FICO with steady revenue can qualify even after a bank says no.

What are the requirements to qualify?

500+ FICO, 6+ months in business, $10,000+ per month in revenue, and a business bank account. No business plan or tax returns for most amounts — just 3 months of bank statements.

What can the funding be used for?

Payroll, inventory, equipment, marketing, expansion, covering slow seasons, and bridging cash-flow gaps.

Funded in 24 hours · FICO 500+ accepted

Fast Business Funding for Every Industry

See how much you qualify for and get an instant estimate. $25K to $5M, funded in as little as 24 hours — no collateral.

How much do you qualify for?

Takes 5 minutes · Soft credit pull · Won't affect your score

See How Much I Qualify For →

No collateral No tax returns FICO 500+ OK

Application Approved

$250,000

Funded in 24 hours

$25K–$5M

Funding range

Funding Solutions

Capital for every business need

Six ways to fund your business — approved on your revenue, funded fast.

Working Capital

Unrestricted capital from $25K to $5M for payroll, inventory, or any operational need.

Get Working Capital →

Equipment Financing

Finance new or used equipment, vehicles, and machinery — the asset is the collateral.

Finance Equipment →

Line of Credit

Revolving access to capital — draw what you need, pay only for what you use.

Get a Line of Credit →

Revenue-Based Financing

Funding that repays as a share of your sales — payments flex with your revenue.

Revenue-Based Funding →

Term Loans

A lump sum with fixed payments over 6 to 60 months for a one-time investment.

Get a Term Loan →

SBA Loans

Government-backed financing with the lowest rates for qualified businesses.

Get an SBA Loan →

Industries We Fund

Built for your business

Specialized funding for the industries that keep America running.

Construction Trucking Restaurants Healthcare Retail Auto Repair Manufacturing All Industries

How It Works

Funded in four simple steps

From application to cash in the bank — most businesses complete it in a day.

Apply in 5 minutes

Short online application with a soft credit pull that won't affect your score.

We review deposits

Approval is based on your last 3 months of bank statements — not tax returns.

Get your offer

Review your amount and terms up front, with all costs disclosed before you accept.

Get funded

Sign electronically and receive funds by ACH, often within 24 hours.

Questions

Frequently asked questions

How fast can I get funded?

Most approved businesses are funded within 24 hours of signing. The application takes about 5 minutes and uses a soft credit pull that does not affect your score.

What credit score do I need?

FICO 500+ is accepted. Approval leans on your business revenue and bank deposits, not just credit — so businesses that banks reject regularly qualify.

How much can I qualify for?

Funding ranges from $25,000 to $5,000,000 based on your monthly revenue — typically one to two months of revenue.

Do you require collateral or tax returns?

No. Funding is unsecured with no collateral required, and we only need three months of business bank statements.

Will applying hurt my credit?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

See how much you qualify for

Apply in 5 minutes with a soft credit pull. Get an offer today, funded in as little as 24 hours.

Apply Now →