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 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.

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.

How fast can I get funded?

A decision comes as fast as 4 hours and money is wired in 24 to 48 hours after approval. Same-day funding is available for qualified applicants.

What credit score do I need?

A personal FICO of 500+ is accepted. Revenue and consistent bank deposits matter more than the score; lower scores are reviewed case-by-case.

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.

Renew & Refinance Your MCA — Lower Payment + New Capital

If your current merchant cash advance is draining your daily sales and you need breathing room — plus more capital to keep moving — this is exactly what Direct Fast Funding does. We renew and refinance your existing advance into a structure with a lower daily or weekly payment, and put additional working capital in your account at the same time. One application, same-day decisions.

See how much you qualify for

Two-hour decisions. Same-day funding. No obligation. Apply Online →

What a Renew & Refi actually does for you

Lower your payment. We restructure your existing advance so the daily/weekly hit on your bank account goes down — freeing up cash flow immediately.
Put new capital in your hands. Refinancing isn't just relief — you pull additional working capital at the same time, so you can cover payroll, buy inventory, or take on the next job.
Consolidate stacked positions. Carrying two, three, or more advances? We combine them into one manageable payment instead of several drafts hitting your account every morning.
Approved on revenue, not just credit. We look at your bank deposits and real cash flow. A 500+ FICO gets a fair shot here.
Same-day speed. Decision in 2 to 4 hours, funded the same day once approved.

Who this is for

Renew & Refi is built for business owners who already carry one or more merchant cash advances and feel the daily-payment squeeze — restaurants, contractors, trucking, retail, healthcare, auto, e-commerce, and services. If the payments are tight and you also need more fuel to grow, refinancing into a lower payment with extra capital is usually the smartest move.

Why owners bring their advances to Direct Fast Funding

Most lenders see an existing advance on your bank statements and decline. We do the opposite — funding businesses that already have an advance is our specialty. We restructure and consolidate positions every day, and we tell you plainly when a refinance makes sense and when it doesn't.

Common questions

Will my daily payment actually go down? That's the goal of a renew & refi — we structure the new funding so your daily/weekly payment is lower than what you're paying now, while still giving you additional capital.

Can you consolidate more than one advance? Yes. Second, third, and multiple stacked positions can be combined into a single payment.

How fast? Decision in 2 to 4 hours and same-day funding once approved.

What do I need? Three months of business bank statements and real monthly revenue. We fund on cash flow, so a 500+ FICO still gets a fair look.

Lower your payment and get funded today

Stop letting the daily draft choke your cash flow. Refinance into one lower payment and pull the capital you need — same day. Apply Now ⚡