Our story
Market Direct Capital began in 2009 with a simple focus: help owners secure SBA financing with clarity, speed, and lender-ready packaging. From our first files during a turbulent credit cycle to today’s more specialized market, we’ve stayed focused on the fundamentals—credible plans, defensible projections, and lender alignment—so decisions can be made with confidence.
What sets us apart
- Deep SBA expertise: We live and breathe SBA programs—7(a), CDC/504, Express, and USDA B&I—and understand how credit teams evaluate cash flow, collateral, guarantors, and eligibility.
- Underwriter-ready packaging: Business plans, three-statement projections, sources/uses, and narratives prepared in the format loan officers and credit committees expect.
- Business owner-occupied real estate know-how: Clear guidance on eligibility and growth plans around the occupancy rules—51%+ for existing buildings and 61%+ for new construction.
- Preferred Lender Program (PLP) relationships: We primarily work with established PLP lenders that can make delegated decisions and keep files moving.
- Bridge to SBA perspective: When timing or readiness is a factor, we understand interim options and how to design clean pathways into SBA refinancing.
Relationships with top SBA lenders
Strong outcomes begin with the right match. We maintain active relationships with a curated network of experienced PLP lenders—banks and non-banks known for consistent SBA execution, transparent communication, and disciplined closing. Our role is to align your request with the lenders whose credit appetite, industry familiarity, and underwriting process fit your goals.
Proprietary lender research methodology
Beyond our standing relationships, we apply a structured research process to identify lenders who have demonstrated comfort with similar use of funds, asset classes, or project types. Our methodology combines:
- Program fit mapping: Request size, term, collateral profile, and guarantor strength mapped to lender credit boxes.
- Comparables scanning: Pattern matching to transactions recently funded in similar industries or with similar structures.
- Risk factor surfacing: We isolate the 2–3 risks most likely to drive conditions and address them up front in narrative and projections.
- Cycle-aware routing: We consider market conditions and internal lender capacity to improve review times and clarity.
Breadth across industries and project types
We support a wide range of operators and transactions—business acquisitions, partner buyouts, working capital, equipment, and business owner-occupied real estate. Industry experience includes manufacturing, distribution, healthcare, professional services, specialty trades, logistics, technology services, hospitality, and more. If there’s a credible path to repayment, we help you frame it for underwriting.
How we work
- Pre-qual & eligibility: Quick fit check on goals, cash flow, guarantor profile, and owner-occupancy requirements.
- Packaging & positioning: Bank-ready plan, three-statement projections, and a clear story of use of funds and repayment.
- Lender alignment: Targeted outreach to PLP lenders and others whose appetite aligns with your request.
- Underwriting navigation: Anticipate questions, organize third-party reports, and keep timelines on track.
- Closing & funding: Practical support from commitment through close so you can move forward with confidence.
Our principles
- Clarity: No surprises—just clear eligibility, realistic timelines, and transparent next steps.
- Preparation: Lender-ready files reduce rework and shorten review cycles.
- Stewardship: We advocate for a structure that supports long-term, healthy cash flow.