• Easy Small Business Financing through Direct Capital

    Invest in your small business

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  • Direct Capital, a sister division to OneWest Bank, is a financing company that has supported small and mid-sized businesses alike by providing fast and easy access to the capital they need since 1993.

    With a fast online lending platform that delivers 6-months to 7-year financing at competitive prices, Direct Capital has lent over $4 billion to over 100,000 businesses across a multitude of industries.

  • What Do We Offer?

    Working Capital Loan

    • $10K to $150K (business bank statements required)
    • Receive full loan amount upfront, pay back with ACH
    • Terms: 6 to 18 months
    • Minimum Business Requirements: 2 years time in business, and FICO 680+

    Equipment Financing

    • $2K to $1M*
    • Terms: 12 to 72 months
    • Minimum Business Requirements: 2 years time in business and FICO 650+
    • No age or mileage restrictions on titled vehicles
  • Program Benefits

    Remarkable Service

    It is our goal to provide your business with a simple, fast and truly remarkable customer experience.


    Trusted by thousands of businesses across the United States.

    Solutions for Needs

    Helping your business grow, with funds to purchase equipment, hardware, inventory and marketing.

    Take advantage of financing designed specifically with small business in mind.

    Get started
  • I highly recommend Direct Capital. They really understand our customers' needs, they understand our needs, and they understand the industry.

    Alan Cohen CEO, Aaron Equipment Company
  • Important Disclosures: Not all applicants will qualify for financing. All finance programs and rates subject to final approval by Direct Capital, and are subject to change at any time without notice.

    *Financials may be required for any transaction with Direct Capital. If a transaction is over $250K, financials will be required. Speed and performance subject to the applicant's local connectivity and other factors outside of Direct Capital's control.