Stop Letting MCA Brokers
Run Your Business.
You don't need a broker. You don't need a credit check. You need a real revolving line of credit that works the moment you do — draw funds in seconds, 24/7.
You've Been Paying a Broker Tax
on Every Dollar You Borrow.
MCA brokers don't work for you — they work for their commission. Every deal they push is padded with fees, factor rates, and pressure tactics. iBusiness Direct cuts them out completely.
- Brokers collect fat commissions on every deal
- Hard credit pulls wreck your score
- Lump-sum advances you're stuck with
- Factor rates hiding triple-digit APRs
- Daily debits that strangle your cash flow
- Pressure calls every renewal cycle
- Payments that never restore your credit
- Zero brokers, zero commissions — ever
- No credit check at any stage
- Revolving line — draw only what you need
- Transparent terms — see cost before every draw
- Pay only on what you've drawn
- 100% automated — no calls, no pressure
- Every payment instantly restores your line
Every Credit Score
Walks In Approved.
We don't look at your credit score — not even once. Your sales history is your approval. Almost everyone qualifies, and your line grows as you build positive payment history with us.
Watch Your Balance Restore Itself.
Draw $50,000 against a $100,000 line. Pay $10,000. Your available balance instantly becomes $60,000 — no waiting, no holds, no broker calls.
Four Steps. Full Control.
From application to funded in less time than it takes a broker to answer your call.
Apply in 5 Minutes
Complete a short application and securely link your business bank via Plaid. No credit check. No obligation.
Get Approved by Your Sales
We evaluate your business performance — not your personal credit. Your revenue is your qualification.
Draw Anytime, 24/7
Log into your portal and pull any amount up to your limit. Funds hit your bank in seconds — no broker, no call, no wait.
Pay & Restore Instantly
Every payment posts immediately and restores your available balance. Your line grows as your history builds.
What Makes It a True Line of Credit
Engineered for business owners, not brokers.
Instant Draws
Pull any amount from your portal 24/7. Funds arrive in your bank in seconds — not business days.
Instant Restoration
Make a payment, watch your balance restore immediately. Revolving credit that actually revolves.
Zero Credit Impact
We never touch your credit — not even a soft pull. Apply and use your line completely worry-free.
Pay Only What You Use
No lump-sum debt sitting on your books. Interest only on the balance you've actually drawn.
Fully Transparent
See exactly what every draw costs before you take it. No hidden fees. No surprises in your ACH.
Credit Line That Grows
Build positive payment history and your approved limit increases automatically over time.
Your Data Is Fort Knox Safe.
We use the same encryption standards as Chase, Venmo, and Robinhood.
256-Bit Encryption
Bank-grade security on every connection. Your credentials are never stored.
Read-Only Bank Access
We can never initiate a transfer. You hold the keys — always.
Plaid Verified
Trusted by 8,000+ fintechs and over 100 million consumers worldwide.
No Broker Access
Your information never goes to a third-party broker or ISO network.
Instant Disconnect
Revoke bank access anytime from your portal with one click.
Full Transparency
Every fee, every term, visible before you draw a single dollar.
Straight Answers.
No fluff, no broker spin.
Correct — zero credit checks at any stage. Not soft, not hard. Never. Your credit report is never touched. We evaluate your business revenue and cash flow, not your personal credit history.
A broker shops your deal to multiple lenders, takes a commission on whatever they place — which gets baked into your costs. With iBusiness Direct, the entire process is automated. No human middleman, no commission markup, no pressure calls. You apply, get approved, and draw from your portal. That's it.
Yes. Because we don't check your credit — at all — past credit issues, low scores, and even bankruptcies are not automatic disqualifiers. If your business has sales coming in, you have a strong shot at approval.
Think of it like a business credit card but smarter. You're approved for a credit limit. Draw what you need — $5,000, $50,000, whatever. You only pay on what you've drawn. When you make a payment, that exact amount is restored to your available balance instantly. You can keep drawing and repaying indefinitely without reapplying.
Once approved, you get portal access immediately. Draw any amount up to your limit and funds arrive in your bank account in seconds — 24 hours a day, 7 days a week, including weekends and holidays.
Yes. As you build a positive payment history with iBusiness Direct, your approved credit line is eligible for automatic increases. The more consistently you use and repay, the more capital becomes available to you.
Plaid replaces emailing months of bank statements. It's read-only — we can see your transaction history to evaluate revenue, but we can never move money. It's 256-bit encrypted, trusted by Chase, Venmo, and Robinhood, and takes about 30 seconds. You can disconnect it anytime from your portal.
See What You Qualify For.
No credit check. No obligation. Approval in minutes. Cut brokers out of your life — starting right now.
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