👋 Welcome to Directlend AI, a free lender matching tool - not another loan application.
Find the best lender for your business
Increase your odds of approval by 400% using Directlend AI
$5k - $25M
15+
Lending types
75+
Lending partners
3
matches in minutes
Directlend is an online lender matching platform designed to streamline the lending process by connecting business owners directly with the best lenders for their business.
Connecting your business datapoints to the most qualified lenders for you
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How Directlend AI works
1.
Build your business profile
Answer a few questions about your business so DirectLend AI can analyze your details and match you with lenders that fit your funding needs.
2.
Review your top lenders
Instantly see lending options matched to your business profile and explore different loan types before choosing where to apply.
3.
Apply to your top lenders
When you’re ready, apply directly with the lenders that align with your goals using a streamlined, pre-filled application.
Lender types we match you with
Lender Type
Best for
Pros
Cons
See your top financing options in minutes
Kalamata
Kalamata offers MCA with a soft pull, max $500k. An acceptable credit score is 600+, so this could be a long shot depending on context.
AI will find the lenders that will offer you the best rates and terms using your business details and our matchmaking algorithm of over 50 business and lender datapoints.
Business loan & financing options
SBA Loans
An SBA loan is government-guaranteed, long-term funding made by SBA lenders that allows businesses that may have been turned down by a bank to receive low-interest-rate financing, including SBA microloans for startups.
Up to $10M
Loan Amount
Little as 7 days
Speed of Funds
Interest Rate
6% - 11.5%
Business lines 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%
Get started in minutes...
At Directlend, we make it easy to find the best lenders for your business.
Forget about waiting days to hear back from slow-moving banks; find your top-matched lender based on what you need.
Answer a few questions
Answer a 2-minute questionnaire about your business to unlock your top lending options.
See your top lenders
View and compare your top direct lenders based on your preferences
Apply directly with your top choice
If you'd like, apply to your top-matched lender(s) instantly to get hard offers.
Our lender network
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
Our lend-match technology
Directlend AI analyzes dozens of data points you enter when building your business profile and compares them to the guidelines of 75+ lending partners.
The result is 3 top matches for your business, based on your business profile, helping you find the best rates and terms possible.
Our matching system is trained on each lender's:
- Current rates and terms
- Payment options & timeline
- Monthly revenue & credit
- Industry & business type
Weighing these factors, we can ensure that your business matches the lender with the highest likelihood of providing you with an approval.
Business Financing Guide
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.
Cash flow
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)
See how much you qualify for...
*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.
