💼 What Is Direct Business Lending?

Direct business lending refers to funding provided directly to businesses without going through traditional banks or financial intermediaries. This model enables faster approvals, fewer credit constraints, and customized terms based on your business’s revenue — not just your credit score.

In today’s economy, small business owners need capital fast — to cover payroll, buy equipment, or seize growth opportunities. That’s where direct lending shines. At Lumen Point Capital, we help businesses like yours tap into revenue-based financing options that traditional banks often overlook.

📈 How Direct Lending Works for Small Businesses

Direct lenders evaluate your cash flow and monthly revenue — not just your credit score. If your business earns $10K+/month, you may qualify for same-day funding with no collateral required.

• ✅ Expanding inventory
• ✅ Seasonal staffing
• ✅ Emergency repairs
• ✅ Paying off high-interest debt

Compared to SBA or bank loans that take weeks or months, direct business lending often delivers capital in 24–48 hours.

🏦 Traditional Bank Loans vs. Direct Business Lending

Banks rely heavily on your personal credit, collateral, and paperwork. Direct lenders move faster — focusing on real-time revenue and simple digital applications.

💡 Real-world example

An auto repair shop needed $35K for new equipment. The bank quoted 6 weeks. We funded them in 2 days — no collateral, no red tape.

🎯 Who Benefits Most from Direct Lending?

Direct lending is ideal for business owners who:

• 🚀 Need funding within 1–2 days
• 😤 Have been denied by banks
• 💰 Make consistent monthly revenue
• 🧾 Prefer a short, simple repayment

📋 Questions to ask before applying

Ask about repayment terms, early payoff options, and total payback. Look for transparency, not gimmicks.

⚖️ Pros and Cons to Know Before You Apply

✅ Pros:

• ✔️ Fast decisions (24–48 hours)
• ✔️ No collateral required
• ✔️ Based on revenue — not credit score

⚠️ Cons:

• ❗ Shorter repayment terms
• ❗ Higher cost than bank loans
• ❗ Inconsistent quality between lenders

🚩 Red Flags to Avoid

Avoid lenders that avoid your questions, charge upfront fees, or promise “guaranteed” approval without reviewing your revenue.

🔍 How to Choose the Right Direct Lender

Choose a lender who explains terms clearly, communicates quickly, and offers real flexibility. At Lumen Point Capital, we’re veteran-owned and built to serve real businesses — not just credit scores.

Have a question before applying? Our team is ready to help.

💸 How to Get Funded in 24–48 Hours

Here’s the process:

1. 📄 Fill out our secure application (takes under 5 mins)
2. 🔎 We review revenue + business info (no hard credit pull)
3. 📞 We present options — with no pressure to accept

📬 Apply Today and Get a Same-Day Decision

We fund businesses in retail, restaurants, construction, online stores, and more. If your business is growing and your bank says “no” — we say “let’s go.”

See your funding options now and start building momentum today.