Financing Options
Direct Capital operates a full syndication desk and is also a direct lessor. This
unique blend of financial models enables Direct Capital to approve and fund more
businesses than many other finance sources. Your Finance Manager will provide recommendations
on how to strategically use financing to achieve your specific goals.
The best structure for your business is based on various factors including, your
monthly budget, time in business, credit tier, equipment cost and equipment type.
Direct Capital has worked with thousands of businesses across hundreds of industries.
Through each transaction we continue to learn what business owners want, what they
are challenged with and how creative financing can help turn those challenges into
opportunity.
Products & Services
100% Finance Programs
Direct Capital can finance a wide range of new and used equipment, technology and
software. Finance 100% of any capital purchase including soft costs like training,
maintenance, installation and taxes.
Application-Only Programs
Get approved for up to $100,000 in purchases without financials.
Flex-Pay Structures
Seasonal and up to 90 day deferred payment options are available. These structures
help replenish cash flow and more closely match the monthly revenue and expense
associated with the purchase.
Start-Up Programs
Secure up to $50,000 in financing for businesses with as little as one day in business.
Additional financing may be available depending on the collateral financed.
Refinance & Consolidation Programs
Refinance existing purchases or choose to consolidate existing debt with a new equipment
purchase. Merge them onto one schedule and lower your monthly payment! This program
will help to free up your cash flow and streamline your monthly payments.
Master Lease Programs
Get up front financing approval and draw off those funds over time through a simple
one page lease supplement. Each draw off the existing approval is subject to final
credit review and may require additional documentation.
Working Capital Programs
Direct Capital will advance up to 50% of the appraised market value of qualified
equipment you currently own. This program is intended for clients who have purchased
equipment and wish to use the proceeds from new financing as a source of additional
working capital or to pay off existing high interest debt.
Mid-Ticket Financing
We have a team dedicated to transactions of $100,000 - $750,000.
Credit Profile Report/Credit Analyzer
Find out exactly how lenders see you when you are looking for financing. Your business
may be healthy and have the ability to fulfill payments, but particularities in
your business profile may be telling lenders a completely different story. Find
out what is raising your risk profile and how you can fix it.
Capital from Future Credit Card Sales
We have programs that enable you to leverage future credit card sales into capital
today.