Welcome to Directlend, find your most qualified lender today 👋
Find the perfect lender for your financing needs
Get matched to your top options in seconds.
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No impact on your credit score
No broker fees or endless phone calls
75+
Lenders
How directlend.ai works for you
Directlend is an online platform designed to streamline the lending process by connecting you directly with the top lenders for your business.
Connecting your business datapoints to the most qualified lenders for you
Types of lenders
Lender
Rating
Best for
Max loan
amount
Min. Time in business
Min. interest rate
Term
length
Fundbox
4.9/5
low revenue businesses
$250,000
3 months
36%
3 to 6 months
How directlend.ai works
Getting a business loan can be challenging, especially with so many factors. Your business age, revenue, and credit score can play a role in deciding which product is right for you.
Let us find you the perfect match for your financing needs, without being bombarded by brokers.
One simple application
Answer a 2-minute questionnaire about your business to unlock your personal lending options. It's free and won't impact your credit.
View your loan options
Compare rates and terms to choose the best product for you.
Put your money to work
If approved by the lender, you'll complete the closing documents and receive the funds.
Business loan options
Business line of credit
With a business line of credit, a financial institution gives you a credit limit, or a maximum amount of capital you are able to draw on at any given time. Just like a credit card, you only pay interest on the amount you use.
$1k-3M
Loan Amount
1-2 days
Speed of Funds
Interest Rate
1.25%-28%
Business Cash Advance
Business cash advances are not your typical small business loan. With an MCA, financing companies upfront you a set amount of cash and then you repay this advance (plus their fee) with a set percent of your daily credit card sales.
$5k-2M
Loan Amount
Little as 24 hrs
Speed of Funds
Interest Rate
as low as 18%
Our lend-match Ai technology
directlend.ai uses a review process that analyzes hundreds of data points about your business to evaluate and find the best financing options for you. On the backend, we collect 50+ data points from our Lenders and constantly keep them up to date - to ensure a perfect match.
Our AI matching system is trained on each lender's:
- Current rates and terms available
- Payment options & funding timeline
- Monthly revenue & credit
- Industry types
- & so much more
Weighing these factors, we can ensure that your business matches the lender with the highest likelihood of providing you with an approval.
Business Financing Requirements
Time in business
Your business will be in a stronger position to borrow if you can prove you have a track record of solid revenue over the past one to two years.
Cashflow
A business cash-flow projection shows when money is collected, when cash goes out and what’s left. Lenders typically like to see that you understand where your business’s money is going each month.
Credit Score
Lenders use your credit score to determine your riskiness as a borrower. In most cases, you’ll need a good to excellent credit score in the mid-600s or higher to get a business loan, although certain lenders allow scores as low as 500.
Collateral
Some of lenders may offer more favorable rates and terms when collateral is available. Typical forms of collateral include real estate, equipment, money owed to your company (accounts receivable), and even cash. (Collateral is not required)