(800) 949-0401 Apply NowDirect business lending means working with the actual funding source — not a broker collecting fees to connect you to a third party. At Crestmont Capital, we provide financing directly from our own capital: one application, one lender, one team that handles everything from application through funding. The result is faster decisions, more transparent pricing, and direct communication with the people who actually approve your loan.
Direct business lending is financing provided directly from the lender's own capital — no brokers, no referral networks, no third-party underwriters. When you apply through Crestmont Capital, our team reviews your application, makes the approval decision, funds the loan from our capital, and services the repayment relationship. There's no external party involved at any stage.
This contrasts with broker-based models where a third party markets loans on behalf of multiple lenders, collects a referral fee, and passes your application to whoever offers the best commission — not necessarily the best product for your business. Direct lending eliminates the broker layer, which typically reduces cost, speeds up decisions, and ensures consistent communication throughout the process.
According to CNBC's small business coverage, businesses increasingly prefer direct lending relationships for the accountability and consistency they provide. See also: small business loans and fast business loans for our full product range.
Working capital loans — lump sum, 3–18 months, daily/weekly ACH repayment. Unsecured business loans — no collateral required, revenue-based qualification. Business lines of credit — revolving access, draw as needed, pay interest on what you use. Bad credit business loans — revenue-first underwriting for 500+ credit scores. Short-term term loans — fixed amount and payment schedule for specific needs. Equipment financing — asset-backed, collateral offsets credit requirements.
| Requirement | Typical Threshold | Notes |
|---|---|---|
| Personal Credit Score | 500+ minimum | Revenue-based products have no hard minimum |
| Time in Business | 6+ months | Some products available at 3 months with strong revenue |
| Monthly Revenue | $10,000–$25,000+ | Primary qualification factor for most products |
| Bank Account Health | Minimal NSFs | Clean deposits signal cash flow stability |
| No Active Bankruptcy | Required | Open BK disqualifies across all products |
| Business Bank Account | Active, 3+ months | Required for statement review and payments |
One application. One lender. Fast decisions. Apply with Crestmont Capital today.
Apply Now →| Product | Typical Rate | Term | Collateral |
|---|---|---|---|
| Working Capital Loan | 25%–55% APR | 3–18 months | None required |
| Unsecured Business Loan | 20%–50% APR | 3–24 months | None (personal guarantee) |
| Business Line of Credit | 20%–45% APR | Revolving | None typically |
| Bad Credit Loan (500+) | 1.20–1.50 factor | 60–300 days | None required |
| Equipment Financing | 8%–25% APR | 2–5 years | Equipment as collateral |
Broker-based lending requires the broker to submit your application, wait for lender responses, negotiate terms, and relay communication back. Each step adds time. Direct lending eliminates every intermediary step — your application goes from submission to underwriting to decision without passing through third parties. Most Crestmont Capital applications get preliminary decisions within 24 hours of documentation.
Brokers earn revenue by marking up the lender's base rate — often without disclosure. You may think you're getting the best rate when you're actually paying 2–4% more than the direct lender charges. At Crestmont Capital, you see our actual rate, our actual fees, and our actual total repayment cost — no hidden broker margin.
With broker models, the broker who sold you the loan often disappears after funding. Servicing questions go to a different company than the one that approved you. Direct lending means the same team that approved your loan handles your repayment relationship. One point of contact for the full loan lifecycle.
As a direct lender, we set our own underwriting criteria. We evaluate monthly revenue and cash flow as primary factors — not just credit score. A business generating $65,000/month with a 520 credit score is fundable on our criteria when it wouldn't be at a traditional bank. We approve loans banks can't because we underwrite differently, not because we ignore risk.
No obligation. No broker. No hard credit pull. Apply today with Crestmont Capital.
Check My Options →A retail business applied through a broker and was offered $80,000 at a 1.38 factor ($110,400 total). Dissatisfied with the terms, they applied directly to Crestmont Capital. Same business profile, same documentation — direct lender offer: $80,000 at 1.28 factor ($102,400 total). Savings from going direct: $8,000. The broker's margin was embedded in the rate without disclosure.
A restaurant chain needs $120,000 for kitchen equipment at a new location opening in 10 days. Previous experience with a broker took 3 weeks. Direct application to Crestmont Capital: decision in 18 hours, funded in 36 hours total. Equipment ordered day 2, installation scheduled for day 8. Location opens on time.
A trucking company owner with a 510 credit score was declined by three broker-submitted applications. Direct application to Crestmont Capital: underwriting focused on $95,000/month in consistent freight deposits. Approved for $70,000 working capital at 1.32 factor. Funds used to add a fourth truck, adding $18,000/month in freight revenue.
| Factor | Direct Lender (Crestmont) | Broker-Based |
|---|---|---|
| Decision Speed | 24–48 hours | 3–7 days (relay time) |
| Rate | Lender's actual rate | Lender rate + broker markup |
| Transparency | All costs disclosed directly | Broker margin often undisclosed |
| Communication | One team throughout | Broker + lender (separate parties) |
| Post-Funding Service | Same lender team | Often different servicer |
| Application | One direct application | May be submitted to multiple lenders |
Join thousands of businesses who chose Crestmont Capital for direct, transparent business funding.
Apply Today →Crestmont Capital has provided direct business lending since 2015 — funding from our own capital, underwriting our own criteria, and servicing our own loan relationships. No broker layer, no third-party underwriters, no conflicted incentives to push you toward the product that pays the most commission.
Related: small business loans, bad credit business loans, fast business loans, alternative lending.
We fund loans from our own capital, make our own credit decisions with our own underwriting team, and service all loan relationships in-house. Brokers earn fees by connecting borrowers to third-party lenders but don't provide the actual funding. When you borrow from Crestmont Capital, you're borrowing directly from us.
Typically yes. Broker-based applications require the broker to compile your application, submit to multiple lenders, wait for responses, negotiate terms, and relay decisions back. Each relay step adds time. Direct applications go straight to underwriting without intermediary steps — most Crestmont Capital decisions arrive within 24 hours of documentation.
Usually yes. Brokers mark up the lender's base rate to earn their fee — often 2–5% of loan amount. This markup is frequently undisclosed. Direct lenders charge their actual base rate without the broker margin layer. On a $150,000 loan, that can mean $3,000–$7,500 in savings.
Yes. Our bad credit direct lending products start at 500+ credit and underwrite primarily on monthly revenue and bank statement cash flow. The lower the credit score, the more important consistent, clean bank deposits become. See our bad credit business loans page.
Most of our direct cash flow products — working capital loans, unsecured business loans, MCAs — require no collateral. Equipment financing uses the purchased asset. All products typically require a personal guarantee. We never require collateral beyond what's disclosed in your loan agreement before signing.
Direct business loans range from $5,000 to $500,000. Amount is determined primarily by monthly revenue (typically 75–150% of monthly gross deposits), time in business, and specific product. Larger amounts require more operating history and stronger revenue.
Online business loans can be either direct or broker-based — "online" simply describes the application channel, not whether the lender is direct. Crestmont Capital is a direct lender that accepts online applications. The key distinction is whether the company funding your loan is the one reviewing your application.
Ask: "Do you fund this loan from your own capital?" and "Will your company service this loan after funding, or is it sold to another servicer?" A genuine direct lender funds from its own capital and services the relationship in-house. Brokers collect fees and pass your loan to the actual lender.
Fast decisions. Competitive terms. Dedicated funding advisors. Apply now with Crestmont Capital.
Get Funded Now →Disclaimer: The information provided on this page is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.
