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.

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.

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.

Same-Day Business Loans in Richmond, VA — $10K–$5M, Same-Day

Q: 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.

Richmond businesses can get $10,000 to $5,000,000 in same-day business loans from Direct Fast Funding — approved on your revenue and bank deposits, not just your credit (FICO 500+), with same-day funding once you're approved. Same-Day Business Loans wires capital to your account the same business day. You don't need an existing loan or advance to qualify — this is straight first-position capital for Richmond operators.

Get funded in Richmond — see your amount

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

Why Richmond businesses choose Direct Fast Funding

Approved on revenue, not just credit. We underwrite bank deposits and cash flow, so a 500+ FICO in Richmond gets a fair shot.
No open loan required. This is first-position funding — you don't need an existing advance to qualify.
$10K to $5M. A quick bridge or serious growth capital for Richmond operators — one funder covers the range.
Same-day speed. Most Richmond approvals come in 2 to 4 hours, funded the same day.

What Richmond businesses use same-day business loans for

Richmond's economy runs on defense, tech, and government, and owners put this capital to work on:

Cover a shortfall today
Seize a time-sensitive deal
Restock fast
Make this week's payroll
Bridge a slow stretch

How it works in Richmond

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Richmond businesses are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Richmond business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first-position funding for Richmond businesses with no open advances — a clean balance sheet gets the best terms.

What credit score do I need? 500+ FICO is accepted. We underwrite on Richmond deposits and revenue, not the score alone.

Get same-day business loans in Richmond today

Fast, first-position business funding for Richmond — approved on revenue, funded the same day. Apply Now ⚡