The Direct Lender You Can Count On

Balboa Capital has the speed, flexibility, and lending power you want.

What is a direct lender?

A direct lender is a financing institution or company (e.g., bank, credit union, or online lender) that provides funding to small businesses directly, without the need for a broker or intermediary. Direct lenders typically offer more business funding options, and with more flexibility and greater speed, than a brokerage. Therefore, if you want to obtain a business loan or an equipment loan and do not want to go through a third party, a direct lender such as Balboa Capital is an excellent option.

direct lender

Trusted by businesses in all industries nationwide.

Balboa Capital is a top-rated direct lender that works with small businesses, middle market companies, equipment vendors, and franchise owners across the United States. We have secured more than $1 billion in securitizations over the past few years, and that means we have money to lend. In addition to our large lending capacity, we afford you the benefits of nationwide service, competitive rates, flexible fees, and expertise in numerous industries. When your funding request has been approved and finalized, the funds will come directly from us. It is not uncommon for Balboa Capital to fund deals of up to $250,000 on the same day, provided the customer meets our borrowing requirements and provides us with all of the necessary information.

The expertise you want.

Balboa Capital has an entire team of business funding experts and accounting specialists on staff, which allows us to manage everything in-house. We review applications, run credit checks, and handle underwriting and approvals. As a result, we can provide you with any of our business funding options quickly and without any hassles. Just tell us how much you need to borrow for your business, and we will deliver a flexible solution you can afford. Finally, you will be happy to know that there will not be any hidden fees. Everything that you are responsible for will be outlined in your contract.

Your security is always assured.

Cybersecurity is a concern of every business owner. It seems we cannot go a month without hearing about a major security breach on the evening news. Therefore, you cannot afford to take any chances when applying for business funding from your computer or mobile device. If you end up working with a broker or a financing company that does not offer direct business lending, your personal information will most likely be passed to and from different parties. While this does not mean a compromise will occur, you should make sure that nothing gets in the wrong hands. Balboa Capital has invested in the very latest cybersecurity tools to protect your personal information. Things like account records and loan data are protected with bank-level encryption technology.