About Us
A funding partner that understands cash flow, not just credit scores
Apply NowCapital 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.
Capital Access Direct is an independent funding broker — not a lender. That means we work on your behalf, comparing programs and structures across multiple funding sources to find the best fit for your business.
How We Work
What working with us looks like
Straightforward terms, direct communication, and a process designed around business owners who don't have time to waste.
Speed without shortcuts
Underwriting starts the moment your file is complete. Most decisions come back within 30 minutes — not days.
Transparent terms
Total repayment, fees, and payment schedule are laid out in plain language before you sign anything.
One advisor, start to finish
You work with the same person through underwriting, funding, and any follow-up questions.
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.
Light documentation
We ask for what underwriting actually needs. Most applications require only a few months of bank statements.
Long-term relationships
Clients who perform well gain access to larger amounts and better terms on renewal. We build relationships, not one-time transactions.
Who We Serve
Built for established businesses across every industry
If your business has been operating for at least 6 months and generates consistent revenue, we can likely help. We work with owners across dozens of industries — from food service to professional services.
Ready to explore your options?
A short conversation is usually all it takes to know what your business qualifies for.