Side-by-side: what each company publishes
Observed October 17, 2026 from each company's own public pages. Linked sources are listed under each row. Where a fact is not published, it says so. Confirm current details on each site before you decide.
| Topic | Direct Funding Now | Prime Funding Now |
|---|---|---|
| Who it says it serves | Small businesses across a wide range of industries; its homepage says it has obtained financing for over 250 industries and lists uses including payroll, expansion, cash flow, working capital, equipment, projects and general bills. Source | Operating businesses that buy goods or equipment before they sell them, with a focus on time-limited buying opportunities. Source |
| Company role | Its terms state it helps owners find financing through a network of lenders and finance providers, and that it is not a lender and does not underwrite, approve, fund or collect on loans. Source | Helps businesses get funded; the funder that makes an offer reviews the file, decides and sets the terms. Source |
| Published amounts | Landing pages show $5,000 to $2,000,000; its industries page lists lines up to $1,000,000 and several products up to $2 million. Source, Source | $25,000 to $5,000,000, depending on the product and the business. Source |
| Products named | Lines of credit, term loans, merchant cash advance, SBA loans, working capital, revenue-based loans, equipment financing, ERC advance. Source | Short-term working capital, business line of credit, equipment financing, term loans, revenue-based financing; SBA loans explained as a comparison. Source |
| Timing language | Decision within 24 to 48 hours after a roughly 10-minute application; landing pages also say funded in as little as 24 hours, and its about page says as soon as 48 hours. Source, Source | Decision typically within 24 hours of a complete application; actual funding time varies by product. Source |
| Published minimums | Its working-capital landing page lists no minimum FICO and $100,000 in annual revenue; a message on its pages refers to at least $25,000 per month in deposits. The two figures differ, so ask which applies to your request. Source | No single credit-score cutoff is published; credit is one factor among several. Non-profits are not eligible and at least 50% ownership is required. Source |
| Repayment described | Automatic ACH payments, daily, weekly or monthly. Source | Varies by product and funder; Prime advises comparing every offer carefully before accepting one. Source |
| Documents for a deal | Not published as a list on the pages reviewed. | Recent business bank statements, ID, a voided business check, plus the supplier quote, purchase order, auction listing or lease offer. Source |
Prime Funding Now publishes this page. It is not affiliated with Direct Funding Now. Company names are used only to identify each company.
What both companies actually do
Neither company is presented as the lender on its own pages. Direct Funding Now's terms say it connects owners with lenders and finance providers and does not underwrite or fund loans. Prime Funding Now says the funder that makes an offer is the one that reviews the file and sets terms. In both cases, the agreement you sign is the document that matters.
That means the comparison is less about who has the money and more about three practical questions: which company is set up for the kind of request you have, what each asks you to provide, and how clearly the final written offer spells out cost and payments.
Where each one may fit
Direct Funding Now positions itself broadly: many industries and many uses, including payroll, general bills and cash flow, with amounts starting at $5,000 on its landing pages. Prime Funding Now is narrower on purpose: a product-based business with a specific purchase and a deadline, starting at $25,000.
- Request under $25,000: Prime's published range starts at $25,000, so a smaller amount falls outside it.
- Payroll or a routine cash gap: Prime's focus is buying opportunities rather than emergencies; Direct Funding Now lists these uses directly.
- A closeout, bulk buy, supplier discount, large order or auction with a payment date: this is the situation Prime's pages, documents checklist and tools are built around. Start with funding a buying opportunity before the deadline.
Do not assume either company can or cannot help a particular industry because a page for it was not found. Ask directly and get the answer in writing.
Three purchase scenarios and the questions to ask
Whichever company you use, the deal determines what you should ask. These questions keep the conversation on the purchase rather than on a headline amount.
Supplier early-payment discount
- Is the discount larger than the full dollar cost of the funding? Run it through the supplier discount calculator.
- Will the money be available before the discount deadline, not just the decision?
Bulk inventory order
- When does the first payment start compared with when the goods will sell?
- Is the amount sized to the order, or to a larger number you do not need? See working capital for an inventory purchase.
Equipment auction
- Does the offer cover the buyer premium, transport and setup, or only the hammer price?
- Will funds arrive before the auction's payment and pickup deadline? See equipment auction funding.
How to compare two written offers in dollars
Compare offers on the same five lines: gross amount, fees withheld, net cash deposited, total repayment and the payment schedule including the first payment date. The difference between total repayment and net cash deposited is what the money costs you, before any other fees listed separately.
- Gross amount: the headline figure in the offer.
- Withheld fees: anything taken out before the money reaches you.
- Net deposit: gross amount minus withheld fees. This is what you can actually spend on the purchase.
- Total repayment: every dollar you will pay back.
- Schedule: daily, weekly or monthly, and when the first payment is due.
A factor rate and an interest rate are not the same thing, so convert both offers to these dollar lines before you compare them. If an offer leaves any line blank, ask for it before signing.
Alternatives to consider
If you are researching Direct Funding Now alternatives, the realistic options are other funding marketplaces and brokers, online lenders that fund directly, your own bank or credit union, and an SBA lender if you have months rather than days.
- Your bank or credit union: often the lowest cost when time allows and the business fits its rules.
- SBA loans: long terms and lower costs, but slower; see SBA loans compared.
- Other online options: Prime keeps comparisons with other providers on the comparison hub.
- A deadline-driven purchase: apply with Prime Funding Now and attach the supplier quote, purchase order or auction listing.
Is Prime the right choice for your request?
Prime Funding Now is a reasonable choice when you run an operating business, you are buying something specific with a payment date, and the request is $25,000 or more. It is the wrong choice for a personal loan, a startup with no revenue, a non-profit, or an emergency payroll gap.
Before applying anywhere, read what funders commonly review and how Prime Funding Now works. Applying does not obligate you to accept an offer, and checking options does not affect your personal credit score.
Frequently asked questions
Is Prime Funding Now affiliated with Direct Funding Now?
No. Prime Funding Now is not affiliated with Direct Funding Now. Prime Funding Now publishes this comparison, and both company names are used only to identify each company.
Are Direct Funding Now and Prime Funding Now direct lenders?
Direct Funding Now's terms say it is not a lender and does not underwrite, approve or fund loans. Prime Funding Now says the funder that makes an offer reviews the file, decides and sets terms. In both cases, read who the funder is in the written agreement.
What documents should I prepare for either company?
Have recent business bank statements, a government-issued ID and a voided business check ready, plus the deal paperwork: the supplier quote, purchase order, auction listing or lease offer. Larger requests may add tax returns or financial statements.
How do I compare a Direct Funding Now offer with a Prime Funding Now offer?
Put both on the same lines: gross amount, withheld fees, net deposit, total repayment, payment frequency and first payment date. The offer that leaves you more cash for the purchase at the lowest total cost, on a schedule your sales can support, is usually the better fit.
Does applying guarantee funding?
No. Neither company publishes a guarantee of funding. At Prime Funding Now, a decision is typically made within 24 hours of a complete application, the funder decides, and you are never obligated to accept an offer.
What are Direct Funding Now alternatives?
Other funding marketplaces, online lenders that fund directly, your bank or credit union, and SBA lenders. For a product business with a time-limited purchase of $25,000 or more, Prime Funding Now is one option to compare.
Have a purchase with a deadline?
Describe what you are buying and when payment is due. There is no obligation to accept an offer.
Observed and updated October 17, 2026 · Published by Prime Funding Now · Sources: DFN terms, DFN industries, Prime about, Prime FAQ