Effective Date: August 16, 2026
Last Updated: August 16, 2026
Direct Credit Funding (“Direct Credit Funding,” “DCF,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal and business information when you visit directcreditfunding.com, communicate with us, submit an inquiry or application, or otherwise use our services.
Direct Credit Funding assists businesses in identifying and obtaining equipment financing, working capital, loans, leases, and other commercial financing products. We are not the lender in every transaction. We may provide information to banks, lenders, lessors, financing companies, brokers, and other funding sources in order to evaluate and arrange financing.
By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
We may collect personal, business, financial, and technical information from you.
Information You Provide
Depending on how you interact with us, we may collect:
* Your name, title, date of birth, and contact information;
* Your home or business address, telephone number, and email address;
* Business name, entity type, industry, time in business, ownership information, and federal tax identification number;
* Social Security number or other government-issued identification information;
* Information concerning business owners, guarantors, authorized representatives, and beneficial owners;
* Information about the equipment, property, services, or other items being financed;
* Requested financing amount, intended use of funds, and proposed transaction terms;
* Business revenue, account balances, existing obligations, payment history, and other financial information;
* Bank statements, tax returns, financial statements, invoices, equipment quotes, purchase agreements, and other supporting documents;
* Bank account and payment information;
* Personal and business credit information;
* Communications you have with us by email, telephone, text message, website form, or other means; and
* Any other information you choose to provide.
Please do not provide information about another person unless you are authorized to do so.
Information Collected Automatically
When you use our website, we and our service providers may automatically collect information such as:
* Internet Protocol address;
* Browser and device type;
* Operating system;
* Referring website;
* Pages visited and links selected;
* Dates and times of visits;
* Approximate geographic location;
* Website interactions and form activity; and
* Cookie identifiers and similar technical information.
We may collect this information through cookies, pixels, analytics tools, embedded content, and similar technologies.
Information Obtained From Other Sources
We may obtain information from third parties, including:
* Banks, lenders, lessors, brokers, and other financing sources;
* Credit reporting agencies;
* Identity-verification and fraud-prevention services;
* Business-information and public-record databases;
* Vendors, equipment sellers, referral partners, and business partners;
* Government agencies and public records; and
* Service providers assisting with underwriting, communications, document processing, or transaction servicing.
2. How We Use Information
We may use the information we collect to:
* Respond to inquiries and communicate with you;
* Evaluate your financing request;
* Match your business with potential financing sources;
* Prepare and submit financing applications;
* Verify your identity, business, ownership, and authority to enter into a transaction;
* Obtain and review personal or business credit information when properly authorized;
* Conduct underwriting, due diligence, fraud prevention, and compliance reviews;
* Process, document, close, fund, and service financing transactions;
* Request or review supporting documentation;
* Provide customer service and transaction updates;
* Manage vendor, broker, lender, and referral relationships;
* Improve our website, services, marketing, and business operations;
* Maintain records and administer our internal systems;
* Protect our website, customers, employees, and business partners;
* Detect and prevent fraud, unauthorized activity, and security incidents;
* Comply with applicable laws, regulations, legal processes, and contractual obligations;
* Establish, exercise, or defend legal claims;
* Send service-related and, where permitted, marketing communications; and
* Carry out other purposes disclosed to you when the information is collected.
Providing information through our website does not guarantee approval, an offer of financing, or any particular rates or terms.
3. How We Disclose Information
We may disclose personal and business information to the following categories of recipients.
Financing Sources and Business Partners
We may disclose information to banks, lenders, lessors, financing companies, brokers, referral partners, and other funding sources in order to identify, evaluate, arrange, process, document, fund, or service a potential financing transaction.
These parties may use the information to verify identity and ownership, obtain credit reports when authorized, prevent fraud, conduct underwriting, determine eligibility, prepare financing offers, and complete or service a transaction.
A financing source receiving your information may have its own privacy policy and information-handling practices. We encourage you to review the privacy disclosures provided by any financing source with which you choose to proceed.
Service Providers
We may disclose information to companies that perform services on our behalf, including providers of:
* Website hosting and maintenance;
* Customer relationship management systems;
* Email, telephone, and text-message communications;
* Electronic signatures and document management;
* Data storage and cybersecurity;
* Identity verification and fraud prevention;
* Credit reporting and underwriting support;
* Payment processing;
* Website analytics and marketing services;
* Accounting, auditing, insurance, and professional services; and
* Legal and regulatory compliance services.
These providers may use the information as permitted by their agreements with us and applicable law.
Legal, Compliance, and Safety Purposes
We may disclose information when we reasonably believe disclosure is necessary to:
* Comply with applicable law, regulation, subpoena, court order, or legal process;
* Respond to a government or regulatory request;
* Investigate or prevent suspected fraud, illegal activity, or security threats;
* Enforce our agreements and policies;
* Protect the rights, property, and safety of DCF, our customers, or others; or
* Establish, exercise, or defend legal claims.
Business Transactions
Information may be disclosed or transferred in connection with a merger, acquisition, financing, reorganization, sale of assets, change in ownership, bankruptcy, or similar business transaction.
At Your Direction
We may disclose information to other parties when you direct us to do so or provide your consent.
We may also disclose aggregated or deidentified information that cannot reasonably be used to identify an individual.
4. Credit Reports and Financing Authorization
A financing application may require authorization to obtain personal or business credit reports and to provide application information to potential financing sources.
This Privacy Policy describes our information practices, but it does not by itself constitute your authorization for DCF or a financing source to obtain a consumer credit report. Any required credit authorization will be presented separately as part of the application or financing process.
Submitting an inquiry or preliminary request does not necessarily result in a credit inquiry. If a credit inquiry is required, the type and timing of that inquiry may depend on the financing source and product involved.
5. Cookies and Similar Technologies
We and our service providers may use cookies, pixels, analytics tools, and similar technologies to:
* Keep the website functioning properly;
* Remember user preferences;
* Understand how visitors use the website;
* Diagnose technical issues;
* Improve website performance and user experience;
* Measure the effectiveness of communications or advertising; and
* Provide relevant content or advertising where permitted.
Your browser may allow you to block or delete cookies. Disabling cookies may cause some website features to function improperly.
Where required by applicable law, we will obtain consent before using nonessential cookies or honor recognized browser-based opt-out preference signals.
6. Email, Telephone, and Text Communications
We may use the contact information you provide to respond to your request, discuss financing options, request documents, provide application or transaction updates, and deliver other service-related communications.
Where permitted by law and consistent with your preferences, we may also send marketing communications. You can unsubscribe from marketing emails by using the unsubscribe link included in those messages.
You may opt out of marketing text messages by replying **STOP**. You may receive a confirmation of your opt-out request. Message and data rates may apply. Opting out of marketing messages will not prevent us from sending communications necessary to respond to your request or administer an existing transaction, where permitted by law.
We do not disclose text-message opt-in information or consent to third parties for their own marketing or promotional purposes. We may provide this information to service providers that help us deliver communications, but only as necessary to perform those services.
Consent to receive marketing calls or text messages is not a condition of obtaining financing.
7. Data Retention
We retain information for as long as reasonably necessary to:
* Evaluate and process financing requests;
* Complete and service transactions;
* Maintain business and transaction records;
* Comply with legal, regulatory, tax, accounting, and contractual requirements;
* Resolve disputes;
* Prevent fraud; and
* Enforce our agreements.
Retention periods may vary depending on the type of information, the nature of the relationship, and applicable legal requirements.
8. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, electronic transmission, or storage system can be guaranteed to be completely secure. You should use caution when transmitting sensitive information electronically and contact us promptly if you believe information provided to us has been compromised.
9. Your Privacy Choices and Rights
Depending on where you reside and subject to applicable exceptions, you may have the right to:
* Request access to personal information we maintain about you;
* Request correction of inaccurate personal information;
* Request deletion of certain personal information;
* Request information about categories of information collected, used, or disclosed;
* Opt out of certain targeted advertising, sales, or sharing of personal information;
* Withdraw consent where processing is based on consent; and
* Appeal our response to a privacy request.
We will not unlawfully discriminate against you for exercising an applicable privacy right.
To submit a privacy request, contact us using the information in the “Contact Us” section below. We may need to verify your identity and authority before completing a request. Certain information may be exempt from a request under applicable law, including information we must retain for legal, fraud-prevention, transaction, or recordkeeping purposes.
An authorized agent may submit a request on your behalf where permitted by law. We may require documentation establishing the agent’s authority and may also verify your identity directly.
10. Notice to California Residents
California residents may have rights under the California Consumer Privacy Act, as amended, if the law applies to our processing of their information.
Depending on how you interact with us, we may collect the following categories of personal information:
* Identifiers;
* Customer-record information;
* Characteristics protected under applicable law;
* Commercial and transaction information;
* Internet or electronic-network activity;
* Approximate geolocation information;
* Professional or employment-related information;
* Financial information;
* Sensitive personal information, including government identification, account credentials, and precise financial information; and
* Inferences drawn from other information.
We collect and use these categories for the business purposes described in this Privacy Policy, including providing services, evaluating financing requests, preventing fraud, maintaining security, communicating with customers, complying with law, and administering our business.
We may disclose these categories to financing sources, service providers, professional advisers, government authorities, and other parties described in this policy.
We do not knowingly sell personal information for monetary consideration. Certain disclosures involving online analytics or advertising providers could be considered “selling” or “sharing” under some state privacy laws even when no money is exchanged. Where applicable, you may request to opt out by contacting us using the information below or by using any privacy-choice mechanism made available on our website.
We use and disclose sensitive personal information only for purposes permitted by applicable law, such as evaluating financing requests, verifying identity, preventing fraud, processing transactions, and complying with legal obligations.
11. Third-Party Websites and Services
Our website may contain links to websites or services operated by third parties. This Privacy Policy does not apply to third-party websites or services, and we are not responsible for their privacy, security, or content.
Please review the privacy policy of a third party before providing information directly to that party.
12. Children’s Privacy
Our website and services are intended for adults acting for commercial or business purposes. They are not directed to children under 18, and we do not knowingly collect personal information from children under 18.
If you believe a child has provided personal information to us, please contact us so we can evaluate and address the matter.
13. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, technology, or legal obligations.
When we make changes, we will post the revised policy on this page and update the “Last Updated” date. Material changes may also be communicated through an additional notice where required by law.
14. Accessibility
If you need this Privacy Policy in an alternative format because of a disability, please contact us using the information below.
15. Contact Us
Questions, concerns, and privacy requests may be directed to:
Direct Credit Funding
240 N. East Promontory, Suite 200
Farmington, UT 84025
Email:
[email protected]Telephone: (888) 844-7676
Website: https://directcreditfunding.com
