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Frequently Asked Questions
WHAT IS THE INTEREST RATE?

The interest rate is ZERO % for the first 12 months. After the first 12 months the interest will be between 6~13%, depending upon the following factors

1. Your payment history.
2. Your balance to credit limit ratio.

Example, if your limit is $100,000 but you only use half of it or less ($50,000 or less), your interest will be lower. If the limit is $100,000 and you use the full $100,000, then your interest rate will be higher. Why? Because the perceived risk by the lender is higher.

Click here to get your interest rate.

WHAT IS MY MINIMUM MONTHLY PAYMENT?

Your minimum monthly payment is approximately 1% of your current loan balance.

For example : if your balance is $100,000 then the minimum monthly payment will be about $1,000. Of course, you can pay more than 1% to reduce the debt sooner, or you can pay all of the outstanding balance at any time without prepayment penalty.If you have $100,000 when you pay don $50,000, you can borrow the remaining $50,000 once again, at any time. Payment terms are disclosed at closing

Click here to see your payments.

IS GOOD CREDIT REQUIRED?

Yes, good credit is required - but this does not mean stellar credit. Remember, this funding program is for start-ups in which there is generally no collateral or proof of income, at the very least you need to have good credit or have a business partner who does. We work with many different lenders and each lender has different evaluation criteria. Because this program is for start-ups, we evaluate your use of funds scenario internally and provide you with relevant feedback

This is to avoid rejection within the first 24~48 hours. Depending upon this result, we will take the next steps:

1. If the results are acceptable, then we can start the application process with the lender to get you your funding ASAP

2. If you are turned down, we review the reasons and then consider these solutions:

  • Solution1 - Credit Repair - we hope this will help improve your score to better fit lenders' requirements
  • Solution2 - Add a cosigner to your loan. You likely know someone who has good, if not excellent credit, such as a relative, business associate or friend, etc. Or find a business partner with good credit.
  • Solution3 - We will introduce other programs that may suit your circumstances. We are committed to locating a suitable method to get you.

Your necessary business start-up capital!

Click here to see how your credit stacks up.

DO I HAVE TO HAVE AN EXISTING BUSINESS?

Absolutely not!

Unlike other programs, this program is the only one focusing on start-up capital. You don't need to have an existing business. It does not even require collateral or proof of income. Good credit is the only requirement.

Click here to get the start-up or business expansion funds you need!

IS "DIRECT FUNDER" A LENDER?

Direct Funder is a broker with network of over 50 national lenders to assist you with your funding needs. Our network of lenders include :

Bank of America, Chase, Wells Fargo, Citi, GM, BBVA, Compass, USSSA, US Bank, State Farm and many others

Click here to be connected with the best funding source for you.

WHERE ARE YOU LOCATED?

Our headquarters is based in 10429 South. 51 Street #200. Phoenix. AZ 85044. But we effectively serve small businesses all over the United States.

Click here to get funding in your town.

HOW LONG DOES IT TAKE TO RECEIVE FUNDING?

Here is the process :

Step 1: Credit Check & Approval - Within 24 hours of reviewing your credit report, our team will provide you with written guaranty of your minimum of funding amount.

Step 2: Application & Signature - Once you agree to the funding amount, we will sen dyou an agreement to sign and get back to us. The sooner you get the signed agreement back to us, the sooner we can get your funding.

Step 2: Submission & Funding - After receiving the documents with your signature, we will start the application with the lenders on your behalf and you should start receiving funding as quickly as 5 business days.

Click here to start the process so you'll receive your funds soon!

WHAT CAN THE FUNDS BE USED FOR?

You can use these funds to :

  • Acquire a business
  • Start a new enterprise
  • Make real estate investments
  • Buy out an existing partner
  • Expand your business operations
  • Buy a new franchise
  • Acquire more inventory or equipment
  • Upgrade your facility

Click here to start the process so you'll receive your funds soon!

CAN THE FUNDS BE IN CASH?

Depending on your credit score and the city that you live in, we will help you apply for 1,2,3 or up to 5 different lenders to get the amount you need. Some credit lines have limits of $30,000. All these credit lines have 0% interest for the first 12 months.

If you need cash, we will help you take out 90% of the limit while still keeping the interest rate at 0% for the first year. We believe that we are the only service that can do this.

Click here to the cash you need today!

WHAT IS THE DIFFERENCE BETWEEN THIS PROGRAM AND OTHERS?

The biggest difference of this program with other programs is : This is the ONLY program for start-ups. All other programs will require you to have an existing business income or collateral.

In addition, the Direct Funder program has the following advantages :

1. No collateral needed

2. No income verification

3. No Business Plan needed

4. 0% interest for the first year

5. This is a revolving credit line so you can use then pay back then use again without reapplying for new loans.

6. The limit will increase over time without any extra fees. It may be $100,000 the frist year and $200,000 several years down the road.

7. You only pay interest on what you use, unlike other programs where you pay interest for the entire balance before you ever need it.

Click here to enjoy the DirectFunder difference!

WHO CAN QUALIFY?

Anyone who meets the following criteria:

  • 21 years or older
  • Good Credit Score(FICO 650+)
  • US citizen or have Green Card and Social Security number
  • Having at least two active credit cards over one-year-old
  • Credit balance of no more than 50% of cards limit
  • No Bankruptcy in the last 10 years
  • No Collection
  • No judgments or negative public records
  • No charge-off in the last 2 years
  • No more than 3 credit inquiries in the past 6 months

Click here to qualify now!

It's easier than you think to
GET THE MONEY YOU NEED