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Grow Confidently with Term Loans Built for Your Business.

Get the capital you need to expand, hire, or invest – without the hassle. Our fixed-term loans offer stability, competitive rates, and repayment plans that actually work for your business.

  • Fast, Simple Process
  • Use It Your Way
Get Started Now

$10k to $500k

loan amounts – easier than ever before.

Automatic

daily or weekly payments, hassle-free process.

60 months

repayment terms, flexible as you need them

 

Lowest rates

in the industry. Only worry about growing.

 

WORKING CAPITAL

Get the stability your business
needs with Term Loans.

Same day
funding

With DirectCapitalExpress
you could get funds in
your bank account by
5:00 pm the same day.*

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Pre-payment
benefits

Pay your loan off early in
full and have all remaining interest waived without any penalty or fee.*

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Build
Business credit

Help build your business’s
credit by making on-time payments, which we
report to bureaus.

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Predictable
Fixed Payments

Pay the same amount on
time, so you can manage
your cash flow with no
surprises or large
costs up front.

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Are we a Match?

1 year

in business, at least.

personal FICO score
0 +
in gross annual revenue.
$ 0 k+

US-based

bank account.

Frequently Asked Questions

Check our consolidated list of frequently asked questions to help you navigate our term loans.

Same Day Funding is as simple as it sounds. It allows you to receive funds in your account as early as the day you finalize your term loan with DirectCapitalExpress. There’s no special enrollment and no additional cost.

 

We believe in rewarding you for your loyalty and making it easy to access additional funding. Once your initial or current loan is 50% paid down you have the option to apply to renew your loan and you will not be charged any remaining interest on your existing loan. You may even qualify for a lower or 0% origination fee.

 
 

Paying back your term loan with DirectCapitalExpress is easy and hassle-free with automatic bank account deductions so you don’t have to worry about missing a payment. The daily or weekly payment is based on the amount and term length of your financing and is intended to be a manageable number based on the information you provided to DirectCapitalExpress in your application.

 

The total cost of your short term loan will vary based on a number of factors, including your personal and business credit scores, time in business and annual revenue and cash flow‡.

 
 

DirectCapitalExpress doesn’t offer “bad credit loans.” However, a bad credit score doesn’t always mean you can’t qualify for business financing. Our short term loans can provide an alternative source of funding for borrowers who have had difficulty getting approved for credit cards and traditional installment loans.

 
 

We understand every business has different needs, so unlike many online lenders, we’ve got different loan types available for you. At DirectCapitalExpress you can easily apply and if approved, you may be offered a small business line of credit in addition to your existing term loan or in many cases you can start them at the same time.

Because in some situations, a lease can cost more than a loan, many businesses choose to finance the purchase of equipment rather than lease. Additionally, the entire amount of a lease payment may not be tax deductible if your lease terms include any provision allowing you to own the equipment at the end of the lease. You’ll need to consult with your accountant or financial advisor to see if this is the case for your situation.

LOAN CALCULATOR

Calculate and Confirm your Loans

Business Form Loan

Step 1 of 11

How much money do you need?

$200,000
We have founded over 2,300 companies with more than $1 billion in capital.

Let’s Talk About Funding
That Works for You

Whether you’re ready to apply or just have questions, our team is here to guide you.
No pressure, no commitments. Call or click to get started.

Get Started Now

Or give us a call:
(720) 905-0614

DirectCapitalExpress is a trusted leader in small business funding, providing reliable and fast capital solutions across the U.S.

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