FAQ

Frequently asked questions

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Straight answers to what owners ask us most. If your question is not here, call (732) 333-9155 and ask it directly.

01What does Directly Lended actually do?

We compare the business funding you qualify for across a range of funding partners, explain the tradeoffs in plain language, and handle the back-and-forth to get the one you choose closed. We arrange financing through our funding partners and are not a bank or direct lender.

02How much funding can I get?

Across the products we work with, from about $20,000 to $10 million. The realistic range for your business depends on the product, your revenue, your time in business and the funder's criteria. Lines of credit typically run up to $250,000, term loans $25,000 to $5 million, and SBA loans up to $10 million.

03Does checking my options affect my credit?

No. A pre-approval does not affect your credit. Comparing your options is free and carries no obligation.

04How fast can I get a decision?

A decision can come back within 24 hours on the faster products. SBA loans are the exception — they take weeks, because the paperwork is the price of the lower rate.

05What does it cost to compare?

Nothing. There is no cost to compare your options and no obligation to take anything you are offered.

06What do you need from me to start?

To start, just the basics about your business — nothing to dig up. When you move toward an offer, funders typically ask for recent business bank statements and basic ownership details.

07Do you sell my information to other lenders?

No. Your details go only where you approve them. We built the opposite of the lead-sale model, so asking a question here does not turn into a flood of cold calls.

08I already have a merchant cash advance. Can you still help?

Often, yes. If the payments are getting tight, consolidation can combine multiple positions into a single more manageable payment. We will look at your numbers and tell you straight whether it actually helps or just resets the clock.

09Are you a direct lender?

No. Directly Lended arranges business financing through its funding partners. Funding amounts, rates and terms depend on funder criteria and your business profile.

10What if funding is not the right move for me?

We will tell you. If the timing or the cost does not work, you will hear that instead of a pitch, along with what would have to change to qualify later.