Small business funding, done right
Directly Lended lays out the funding you actually qualify for — lines of credit, term loans, SBA, equipment and more — in language you can act on. You see the full picture before you commit to anything.
Funding options
No jargon, no pressure. Each option comes with a guide and a clear "best for," so you know where it fits before you fill out a single form.
Best for flexible working capital you draw on only when you need it.
Best for planned, larger investments with a steady, predictable payment.
Best for well-qualified businesses that want the lowest rates and longest terms.
Best for funding the equipment your business runs on, using the asset itself.
Best for payroll, inventory, or a seasonal gap without choking your cash flow.
Best for B2B businesses with cash tied up in unpaid customer invoices.
Best for fast capital repaid from sales. We show you the true cost up front.
Best for owners carrying several advances who want one simpler payment.
How it works
A few quick questions or a short call. You get straight answers with no form required, so you understand the landscape first.
We read your numbers the way our funding partners do, then put the funding you qualify for side by side with the tradeoffs on each.
We handle the back-and-forth with the funder and get you closed. You decide, on your terms.
Why Directly Lended
Most comparison sites are a machine that sells your phone number to a dozen callers. We built the opposite.
One dedicated advisor who knows your file start to finish — not a call center reading from a script.
Our offers come from funding partners built up over years, the kind of capital you won't find advertised or sitting on a bank's menu.
You'll understand every option before you sign. If funding is the wrong move right now, we'll tell you that instead.
Your details go only where you approve them. No flood of cold calls the minute you ask a question.
The guides
Clear, no-spin explainers on how business funding actually works, written by people who do these deals every day.
The full process, from working out what you need to choosing the right offer.
When a lump sum beats flexible credit, and when it's the other way around.
Why a 1.3 factor rate isn't what it sounds like, and the math that shows your true cost.
The lowest-cost money on the market, who it's for, and what the process really looks like.
The numbers that decide your approval, explained so you can fix them before you apply.
How to tell if rolling several positions into one payment helps, or just resets the clock.
Tools
A cash advance is quoted as a factor rate, not an interest rate, which hides what you actually pay back. Put your numbers in and see the true cost in seconds.
More tools are on the way, including a loan payment calculator and a consolidation savings estimator.
This is the raw cost of capital before any fees, shown for education. Your actual terms will vary by funding partner, term, and business profile. It is not an offer.
Already funded?
If you're already funded and the payments are getting tight, consolidation can combine multiple positions into a single, more manageable payment. We'll look at your numbers and tell you straight whether it actually helps — or whether a different move makes more sense.
Start with a guide, or get every option you qualify for in one straightforward conversation. No cost, no obligation, and no pressure to take anything that doesn't fit.