Direct Lender Options
Funding modelBusiness lending
Decision speed24 - 48 hours
Monthly revenue$10K-$25K+
Credit profile500-600+
Financing guide
Direct Business Lending
Learn how direct business lending works, what you need to apply, and how costs and terms compare. Review your options with Crestmont before you accept anything.
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- A more direct pathFewer hand-offs between application and decision
- Flexible qualificationRevenue, bank activity and time in business count
- One simple applicationDocuments and next steps in one place
- Direct communicationTalk with the Crestmont team throughout
In short
Direct business lending means financing supplied from the provider's own capital or credit facility, with its own underwriting and funding process. Crestmont helps businesses explore options and understand amounts, costs and repayment terms. Qualified requests may receive decisions within 24 to 48 hours.
- Amounts
- $5,000 to $500,000
- Decision timing
- 24 to 48 hours for qualified requests
- Collateral
- None required on most cash flow products
- Pricing
- APR, factor rates or fixed fees
How it works
What direct lending really means
A direct business lender supplies financing from its own capital or credit facility. It also manages its own underwriting and funding.
A broker or referral service works differently. It connects an applicant with third-party providers.
Direct access can simplify the process. It does not always make financing cheaper. Cost depends on the product, risk profile, fees and payment schedule.
Why owners like it
- One team from application to funding
- Costs disclosed directly
- One direct application
Keep in mind
- Not always less expensive
- Approval depends on underwriting
- A personal guarantee is typically required
Funding options
Financing you can compare
Direct lenders may offer these products. Rates shown are typical ranges, not quotes.
- No collateral required
Working Capital Loans
Short-term capital for inventory, payroll, accounts payable, marketing or seasonal gaps.
- Typical rate
- 25% to 55% APR
- Term
- 3 to 18 months
- Personal guarantee
Unsecured Business Loans
Funding that does not require hard collateral, depending on qualification.
- Typical rate
- 20% to 50% APR
- Term
- 3 to 24 months
- Revolving
Business Lines of Credit
Direct access to revolving capital for variable expenses.
- Typical rate
- 20% to 45% APR
- Term
- Revolving
- 500+ credit
Bad Credit Business Loans
Options for owners whose current revenue is stronger than their credit file.
- Typical rate
- 1.20 to 1.50 factor
- Term
- 60 to 300 days
- Asset secured
Equipment Financing
Financing for equipment, with the purchased asset as collateral.
- Typical rate
- 8% to 25% APR
- Term
- 2 to 5 years
See what direct lending could look like
Tell us about your business and review available amounts, costs and repayment terms before you decide.
Costs and terms
Rates, fees and terms
Typical ranges by product. Your actual terms depend on your application.
| Product | Typical rate | Term |
|---|---|---|
| Working Capital Loan | 25% to 55% APR | 3 to 18 months |
| Unsecured Business Loan | 20% to 50% APR | 3 to 24 months |
| Business Line of Credit | 20% to 45% APR | Revolving |
| Bad Credit Loan (500+) | 1.20 to 1.50 factor | 60 to 300 days |
| Equipment Financing | 8% to 25% APR | 2 to 5 years |
Ranges as published on this page.
Funding estimator
How much could you qualify for?
Enter your average monthly revenue for a quick estimate. No credit check and no obligation.
$/ month
Estimated funding available$0
Continue to applicationAn estimate only, based on revenue. It is not a guarantee of funding or an offer of credit. Approval, amounts and terms depend on your business and the lender's review.
Before you apply
What you'll need to apply
Qualification depends on the product, underwriting requirements and the strength of your business profile.
- Time in business6-12 months.
- Monthly revenue$10K-$25K+.
- Personal FICO500-600+.
- Active business bank accountRequired, and it must be a US bank account.
- US-registered businessAll applicants must be registered in the US.
- Recent bank statementsUsed to verify business revenue.
- Identification and ownership detailsCommon starting points for the review.
The process
How to get started
- 1
Apply online
Tell us how much funding you need and share your business details.
- 2
Share your documents
Provide bank statements and other information to verify business revenue.
- 3
Review your options
Compare amounts, costs and repayment terms with a Crestmont specialist.
- 4
Receive approved funds
Accept your offer and complete the documents. Funds are sent after final approval.
Side by side
Direct lending versus brokers
| Option | Best when | Trade-off |
|---|---|---|
| Direct lending | You want one team and one application | Not always cheaper. Cost depends on the product and total repayment. |
| Broker-based lending | You want to be connected with third-party providers | Lender rate plus broker markup, and broker margin is often undisclosed. |
| Business line of credit | Expenses vary and you want revolving access | 20% to 45% APR, subject to underwriting and approval. |
Ranges as published on this page. Your terms depend on your business and the lender's review.
Full guide
Crestmont Capital is a business lender. Our team helps businesses explore financing options and understand available amounts, costs, and repayment terms.
What is a Direct Business Lender?
A direct business lender supplies financing from its own capital or credit facility and manages its own underwriting and funding process. Crestmont Capital is a business lender helping businesses access financing for their needs.
Benefits of financing with Crestmont
Speed and Efficiency
A direct path can reduce coordination delays and help move from application to decision faster.
Flexible Qualification
Crestmont considers your business performance, bank activity, time in business, and credit profile when reviewing financing options.
Simplified Process
One application makes financing options, document requests, and next steps easier to manage.
Direct Communication
Work with the Crestmont team to understand document requests, available financing terms, and the next steps in your application.
What you'll need to apply
Qualification depends on the product selected, underwriting requirements, and the strength of the business profile.
Time in business6-12 months Monthly revenue$10K-$25K+ Personal FICO500-600+ Business bank accountActive
All applicants must be a US-registered business with a US bank account.
How business financing works
Apply with Crestmont, provide your business information, and review available financing terms. Approval and funding depend on underwriting and completed documentation.
1
One Application
Submit basic business details and requested funding amount.
2Information Collection
Share bank statements and other information needed to verify business revenue.
3Application Review
Your application is reviewed against the underwriting criteria for the financing requested.
4Review Financing Terms
Review any available amount, pricing, payment frequency, and repayment term before choosing an offer.
5Receive Approved Funds
Any approved funds are sent after final acceptance and completed documents.
Quick Approvals
Crestmont reviews qualified applications promptly; timing varies with documentation and underwriting.
Fast Funding
Approved funds are sent after acceptance and completed documents.
Minimal Documentation
A short list of documents gets the review started.
Online Applications
Apply from anywhere, on any device.
See your direct business lending optionsFunding options direct lenders may offer
Working Capital Loans
Short-term capital for inventory, payroll, accounts payable, marketing, or seasonal gaps.
Bad Credit Business Loans
Options for owners whose current revenue is stronger than their credit file.
Business Lines of Credit
Direct access to revolving capital for variable expenses.
Unsecured Business Loans
Funding that does not require hard collateral, depending on qualification.
No-credit-check direct lender claims explained
The phrase no credit check is often misunderstood. Legitimate lenders usually verify identity and may review credit, but prequalification can often rely on a soft inquiry or place less emphasis on score alone.
Revenue, bank account activity, time in business, and overall repayment capacity remain important.
Understanding direct lender costs and terms
Pricing StructuresPayment Structures
Pricing Structures
Direct lender products may use APR, factor rates, fixed fees, or other disclosed pricing depending on product type.
Payment Structures
Payments can be daily, weekly, or monthly. Match the frequency to your deposit pattern and cash flow.
Working with a reputable direct lender
What to Look ForWarning Signs
What to Look For
Clear terms, direct communication, transparent costs, and a realistic repayment review.
Warning Signs
Unclear fees, pressure to sign quickly, vague repayment terms, or promises that ignore repayment capacity.
Get Started With Crestmont Capital
- 1
Apply Online
Tell us how much funding you need and share your business details.
- 2
Review Your Options
Compare available amounts, costs, and repayment terms with a Crestmont specialist.
- 3
Receive Approved Funds
Accept your offer and complete the documents to receive funds after final approval.
Why Choose Crestmont for Business Financing
Fast Decisions
A streamlined review process helps qualified businesses compare options quickly.
Flexible Options
Crestmont helps match the product structure to your amount, timeline, and use of funds.
Transparent Terms
Review repayment, fees, timing, and total cost before accepting an offer.
Experienced Team
Work with advisors who understand small business funding tradeoffs.
Simple Process
Apply online, review options, and complete documentation without unnecessary friction.
Dedicated Support
Get guidance from application through funding and future financing conversations.
Rates, Fees, and Terms
| 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 |
How It Compares to Broker-Based Lending
| 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 |
Take your business to the next level
Work with Crestmont Capital to explore available business financing and review the costs and repayment terms before accepting an offer.
Questions
Common questions, clear answers
What is the difference between a direct lender and a broker?
A direct lender supplies financing and manages its own underwriting and funding process. A broker or referral service connects an applicant with third-party providers. Crestmont Capital is a business lender.
How fast can a direct lender fund?
Qualified requests may receive decisions within 24 to 48 hours and funding shortly after final documents are complete.
Can I qualify with bad credit?
It may be possible when revenue, deposits, and time in business support repayment.
Do direct lenders offer lines of credit?
Yes. Crestmont offers business line of credit options when the business profile supports revolving access, subject to underwriting and approval.
Is a direct lender always less expensive?
Not necessarily. Direct access can simplify the process, but cost depends on the product, risk profile, fees, payment schedule, and total repayment. Compare the complete offer.
What documents do direct lenders usually request?
Common starting points include recent business bank statements, identification, ownership details, and basic revenue information. Larger or more complex requests may require additional financial records.
Do direct business loans require collateral?
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.
How much can I borrow directly from Crestmont Capital?
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.
Who will service my business loan after funding?
Confirm which company provides the funds, manages payments and handles account questions. Review the named parties in the agreement and keep the servicing contact details with your loan documents.
What should I ask a direct lender about early repayment?
Ask for the prepayment provisions, any applicable charges, and how the payoff amount is calculated. Compare whether early repayment changes the total financing cost and request written confirmation of the terms.
Take the next step with Crestmont
Apply online, review the costs and repayment terms, and decide only when an offer looks right for your business.