Your vision, our dedication.
Your vision, our dedication.
At Capital Access Direct, we believe in the power of the right partnerships. We help you access fast, flexible funding — backed by a dedicated team that understands your goals and your business's future.
Takes under 10 minutes · No impact on your credit score · No obligation
4,000+
Businesses funded
$350M+
In funding secured
350+
5-star reviews
About us
A funding partner that understands cash flow, not just credit scores
Capital Access Direct was built for owners who have a real, revenue-generating business and a time-sensitive need — payroll, inventory, equipment, or an opportunity that won't wait for a traditional lender's timeline. We work with restaurants, contractors, retailers, medical practices, trucking companies, and service businesses across the country. Instead of pushing one product, we look at how your revenue arrives and recommend the structure that fits it.
Funding programs built around how your business actually earns
We match the structure to your revenue pattern instead of forcing every business into the same product.
Merchant Cash Advance
A lump sum of capital repaid from a fixed percentage of your future card and bank deposits, so repayment moves with your sales.
Learn moreRevenue-Based Financing
Growth capital structured around your monthly revenue, with a defined total repayment amount and no fixed collateral requirement.
Learn moreBusiness Line of Credit
A revolving facility you can draw from as needed and pay interest only on what you use — ready for payroll gaps or opportunities.
Learn moreEquipment & Expansion Capital
Financing for equipment purchases, new locations, inventory buys, or other projects with a clear return on investment.
Learn moreCredit Card Processing
Competitive payment processing that keeps more of every sale in your business, with fast settlement and transparent pricing.
Learn moreHome Equity Line of Credit
Tap into the equity in your residential or investment property for flexible, lower-cost capital for business or personal use.
Learn moreWe see your potential. We champion your success.
Behind every business is a person with a vision. We take the time to understand your journey, so our funding becomes a stepping stone rather than a stumbling block.
Partnership first
We don't just provide funding — we build relationships. Every client is a partner, and their success is our success.
Transparency always
Honest communication is the foundation of trust. Clear terms, straightforward processes, and no surprise conditions.
Speed with care
We move fast on decisions without ever rushing your file. Every application gets real human consideration.
One advisor, start to finish
You work with the same person through underwriting, funding, and any follow-up questions — no handoffs, no call centers.
Structure matched to cash flow
We look at how your revenue actually arrives and recommend the structure that fits it, not the one that's easiest to sell.
Capital that grows with you
Clients who perform well gain access to larger amounts and better terms on renewal. We build long-term relationships.
A clear path to funding. No surprises.
We believe in transparency and simplicity. Our application is designed to be straightforward and respectful of your time.
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
FAQ
Questions business owners ask us
Still unsure about something? A short call is usually the fastest way to get a clear answer.
Schedule a CallReady to fund your next move?
Apply in under 10 minutes. A specialist gets back to you within two hours, and applying never touches your credit score.
- —Applying will not impact your credit score
- —Funding decisions in as little as 24 hours
- —A dedicated funding specialist, not a call center
- —Transparent terms with no hidden fees