Business Financing
Business Term Loans
Fuel your business growth with predictable, fixed-rate financing. From expansion to equipment to hiring — get the capital you need with terms that work for your cash flow.
Business term loans from Direct Money give established businesses access to lump-sum capital with fixed monthly payments.
Whether you're expanding locations, hiring staff, or investing in marketing, our straightforward terms help you plan with confidence.
Start your applicationRates & Terms
Competitive rates tailored to your profile.
How It Works
Apply Online
Submit your business and personal information through our secure application in under 15 minutes.
Document Review
Our team reviews your financials and business profile. We may request bank statements or tax returns.
Receive Funding
Accept your offer and receive funds directly in your business bank account within 1–3 days.
Basic Requirements
What you'll need to qualify.
Frequently Asked Questions
What documents do I need to apply?
Typically 3 months of business bank statements, your most recent business tax return, a valid EIN, and a government-issued ID for all owners with 20%+ ownership.
Can a startup apply for a business term loan?
Business term loans require at least 1 year in operation. If you're a startup, check out our Startup Funding product which is designed for newer businesses.
Is the rate fixed or variable?
All Direct Money business term loans carry a fixed interest rate, so your monthly payment never changes for the life of the loan.
Can I pay off the loan early?
Yes. There are no prepayment penalties. Paying early reduces the total interest you pay.
Grow Your Business Today
Apply in minutes and get a decision within 24–48 hours. No prepayment penalties, no surprises.