Important information about our services, your rights, and state-specific requirements
Prime Direct Capital is a lending marketplace. We help businesses connect with trusted lenders to compare financing options. We do not originate loans, make credit decisions, or broker credit on your behalf, and we never charge fees. All loan amounts, rates, fees, repayment schedules, and other terms are set by the lender and will be fully disclosed in the lender's agreement.
We and our lender partners comply with the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA). Credit decisions are based solely on objective criteria and are not influenced by race, color, religion, national origin, sex, marital status, age, receipt of public-assistance income, or the exercise of consumer-protection rights.
Prime Direct Capital supports these principles and works only with lenders that do the same.
When you submit a financing request, you authorize Prime Direct Capital and participating lenders to obtain business and personal information needed to evaluate your inquiry.
We use this information only to match you with lenders and for internal analytics. Your data is handled according to our Privacy Policy and is not sold to third parties.
Promotional phrases such as "pre-approval in minutes," "24-hour approvals," or "same-day funding" are estimates. Actual approval and funding times vary by lender and applicant qualifications. Prime Direct Capital does not guarantee that any applicant will receive a loan offer or that funds will be available within a specific timeframe.
Several U.S. states require providers of commercial financing (including marketplace partners) to give cost disclosures at the time of offer. We ensure that our lender partners comply with these laws. If your business is located in one of the states below, the lender will provide the required disclosure before you accept an offer.
California's Commercial Financing Disclosure Law requires providers and brokers to disclose the total cost of financing in APR or effective rate format, along with total payment amounts and other key terms, before a business signs an agreement.
New York law requires similar disclosures for commercial financing transactions, ensuring transparency about annual percentage rates, payment schedules, and prepayment policies.
Virginia requires commercial financing disclosures including APR, payment amounts, term length, and a description of collateral or security interest.
Utah's commercial financing disclosure requirements ensure businesses receive clear information about the total cost and terms before entering into a financing agreement.
Georgia requires specific disclosures for commercial financing, including detailed cost breakdowns and payment terms.
The information provided on this website is for general informational purposes only and should not be considered financial, legal, or tax advice. You should consult your own advisors before entering into any financing agreement.
Prime Direct Capital strives to keep information accurate and up to date, but we do not warrant or represent that any information on this site is correct, complete, or current. We rely on information provided by lenders and other third parties and are not responsible for errors or omissions.
We do not guarantee that we will match every applicant with a lender, or that any lender will extend an offer. We do not guarantee that any loan terms or rates will meet your specific needs.
You use our site and services at your own risk. Prime Direct Capital is not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site, your reliance on any information provided, or your interactions with lenders.
You agree to use our services only for legitimate business purposes and to comply with all applicable federal, state, and local laws.
All financing offers through Prime Direct Capital are made by lenders operating under the appropriate licenses or exemptions in the states where they do business. Some products may not be available in every state. Approval and funding are subject to each lender's underwriting criteria.
If you have any questions about our services or the disclosures you receive, please contact us. We're here to help.
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