Report: #1147286

Complaint Review: Ripoff Report | direct business lending

  • Submitted: Fri, May 16, 2014
  • Updated: Sat, June 07, 2014
  • Reported By: steve — independence Kentucky
  • direct business lending

    salt lake city, Utah

Direct Business Lending REVIEW: Direct Business Lending clients, feel safe, confident & secure when doing business with Direct Business Lending. Direct Business Lending commitment to client satisfaction, exceptional client experiences & success. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction & confidence when doing business. Salt Lake City, Utah
*UPDATE: Direct Business Lending recognized by Ripoff Report Verified™ as a safe business service.

Show customers why they should trust your business over your competitors...

Ripoff Report Verified™ REVIEW:

EDitor’s UPDATE: Positive rating and recognition has been given to Direct Business Lending for its commitment to excellence in customer service.

Ripoff Report’s discussions with Direct Business Lending have uncovered an ongoing commitment by the company to total client satisfaction. Direct Business Lending is a rapidly growing organization that has helped thousands of small businesses navigate the complex process of achieving funding for their business. Direct Business Lending has built it’s team around it’s core values of going the extra mile for it’s customers. While continually investing in it’s Client Services team, Direct Business Lending has shown a continual commitment to exceeding it’s client’s expectations. Clients can expect full transparency in the loan process as well as continual communication with the Direct Business Lending team. Any issues with clients are promptly resolved with a mutually agreeable solution that is endorsed by the CEO himself. Direct Business Lending welcomes client feedback, both positive and negative and strives to turn around any negative scenarios with continual improvement to become more efficient as a company in the services it offers it’s clients.

Direct Business Lending CEO, Mr. Jantzen Fugate, has informed us that his business is an extension of his personal beliefs on how to correctly treat people. Mr. Fugate personally knows about all clients that are concerned and is personally involved in making sure they have an amazing experience with Direct Business Lending. As a successful entrepreneur who once started as a small business like many of his clients, Mr. Fugate feels it is critical to always be connected with his clients to understand their concerns and work hard to respond properly. By always putting his customers first, Mr. Fugate is confident that Direct Business Lending will continue to help millions of small businesses across America realize their dreams.

Top executives of the company told us that Mr. Fugate’s biggest fault is that he cares to much about his staff and clients and is continually going the extra mille. He inherently provides a service above and beyond anyones expectation and puts client happiness above all. Direct Business Lending's core values of: 1) Go The Extra Mile; 2) Excellent Client Service; 3) Pursue Growth & Learning; 4) Be Passionate Everyday; 5) Build a Positive Team Environment have allowed Direct Business Lending to build an organization that is customer centric from the top down. “Direct Business Lending truly communicate all aspects of the job in a timely and effective manner. We are very pleased with the responsiveness that he and his employees show us. They are serious about meeting commitments, and deliver on all their promises.”

The information provided in this report below is based on comments made by Jentzen Fugate during an on-site inspection held by a third party verification company with no biases toward Direct Business Lending.
Direct Business Lending is Ripoff Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program.A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..

Direct Business Lending is a company specializing in helping start-up companies and entrepreneurs get access to capital. “We want to help the individuals who can’t get approved for financing get approved to qualify for financing. If they don’t qualify for capital, help them understand why and get them in a position to qualify for funding eventually, whether they use our services or someone else’s,” states Jantzen Fugate, CEO of Direct Business Lending.

Leads are primarily acquired through Internet searches regarding small business information, how to start a business, small business loans, etc. “Also, lenders will send us their declines and will live transfer over their start-up leads. These are customers that banks won’t lend to since they don’t have good credit or are in business for 2+ years,” states Mr. Fugate. A typical sales experience for a customer starts with the customer finding Direct Business Lending’s website and then filling out a general information form. At that point, the customer will receive a call from the company to welcome them and give them some information.


"Each individual customer is unique and has different services or products tailored to their individual needs,” explains Mr. Fugate. "For instance, one customer’s experience might involve them signing up, and at that point, Direct Business Lending’s matching technology identifies that they have funding resources available to the customer, so they then send the customer directly to the funding source. In contrast, if the customer is not identified as having funding sources available to them, Direct Business Lending will then have their funding analysts talk with the customer to learn their background and other information to determine how they can qualify the customer and what the customer wishes to accomplish. Once the customer is pre-qualified, they are set up with a consultation with a Senior Funding Advisor to review the client’s fundability, strengths, weaknesses, funding opportunities that are available, and what they can do to increase their chances of funding.”

At times, customers may not feel they are satisfied with the services they are receiving. Two primary examples of complaints involve the response time of the staff at Direct Business Lending, or not being able to receive funding. “We experienced 400% growth, bringing in 15-65 clients per week. With that, we had some growing pains. A couple scenarios [occurred]: not being able to answer calls, voicemails, and e-mails in a timely manner because we had a short staff due to the tremendous growth; [the] response time [ranged] from about 36 hours to about 30 minutes,” explains Mr. Fugate. “Another scenario: occasionally people don’t get funding and we try to explain that we are not guaranteeing funding, we are letting them get in the best possible position to qualify for financing. Sometimes people misunderstand the contract terms and think we are guaranteeing funding,” states Mr. Fugate. Both of these issues are common complaints.


Direct Business Lending has grown is Client Services team 5x in less then 1 year to keep up with the demand. Adding a Quality Assurance department, recruiting a top level client services manager and rebuilding it’s technology platform to better track client communication is part of the ongoing process to providing amazing service to each and every client.

Direct Business Lending recognizes that complaints posted on Rip-off Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report’s review Direct Business Lending has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

Since receiving complaints, Direct Business Lending has taken a few steps to try to avoid these issues in the future. “We have hired more staff to increase response time. We [also] have a funding advisor explain our services and then they go to the compliance department, making sure that they are moving forward on the right foot,” explains Mr. Fugate. The team at Direct Business Lending also now employs the use of a “welcome call” to explain the process and align all expectations to avoid any misunderstandings of the services provided. Additionally, a Client Services Manager has been hired to help prepare the company for future growth.

Once a complaint is resolved, Direct Business Lending does not have a follow-up process in place. “Once we part ways with an individual, we don’t follow up with them once the situation has been resolved. We also send them a settlement statement agreement. We do take all of our complaints very seriously so that we can use them to propel our company forward and learn from any mistakes we may have made in the process,” explains Mr. Fugate. However, if the customer continued to use their services, there is a slightly different process that takes place. “We do have an Escalations Manager who handles the complaint, then we flag this in our CRM which then notifies the Account Manager, who can also take care of the client and make sure their complaint is taken care of,” explains Mr. Fugate.

If a client wishes to cease business with the company, Direct Business Lending does have a cancellation policy in place. “Each client has the ability to exercise their 3-days’ right to rescind and get 100% of their money back,” explains Mr. Fugate. “After the 3 days, it depends on each case, on how much they get back depending on what services we have provided to them already. Sometimes we have already performed an extensive amount of work on their profile, so we have to take this into consideration.” Customers have the ability to cancel their contract at any time, but whether or not they receive a refund, and how much they receive, is determined on a case by case basis.

Direct Business Lending recognizes the value of working with Ripoff Report and the Corporate Advocacy Business Remediation and Customer Satisfaction Program, and the platform it provides for businesses and clients to interact and resolve issues. “It is very important to us; we want clients to understand we are very serious about customer services, our reputation, and sustainability for the long term and we want to build a corporation,” explains Mr. Fugate. “We don’t want questions out there as far as online complaints and not being able to take ownership over them. We take them in as learning experiences. We want to be a part of the Advocacy program so that we can address any complaints immediately and remedy the situation to the best of our ability.”


"Things happen fast in the restaurant business. Had I waited for a traditional bank loan to come through, I’d very likely be out of business right now. DBL really helped me out of a tough jam by securing funding in three days.” ~ Matt Richmond, Restaurateur, Secured $65,000 In Funding

"I thought landscaping was hard work. Trying to find funding in this economy for a start up is not just difficult, it’s almost impossible. Even when the funds had been deposited in my bank account (in four days!), I still couldn’t believe it.” ~ Skip Church, Landscaper, Secured $23,000 In Funding

"My shop badly needed equipment upgrades. No matter what I tried I just couldn’t get the funding I needed on my own. When I found DBL they matched me with a lender right away and I had my funds in days. What a huge relief!” ~ Sharon Lawrence, Hair Stylist, Secured $38,000 In Funding


"We work with thousands of small businesses each week and we take great pride in being able to assist so many American’s realize their dreams of owning their own business. The support and assistance towards business funding we provide has provided millions of dollars in business funding front he humble start up being run out of the basement on evenings and weekends all the way up to VC funded multi-million dollar businesses. The amount of calls, emails, thai you cards we receive is a constant reminder of how our team impacts the lives of so many people. Thank you for all your kind words, they are appreciated!

Direct Business Lending strives to be the very best in the industry and provide a funding solution for every business. For even the toughest files, it is our responsibility to be creative and find the best solutions.

Direct Business Lending client services team have expressed that they love doing their jobs and helping business owners achieve funding. The project manager at Direct Business Lending stated “Mr Fugate is the ultimate leader, he personally gets involved with clients, taking the time on evening or weekends to ensure a client is happy and successful, he makes all of us want to provide even better service to our clients. His attitude is infectious and we are all better because of him. Our clients know this as well, it’s great to receive this approval emails, that still brings a smile to my face and I’ve lost count of how many I’ve received.”

Direct Business Lending takes employee satisfaction seriously as well. Employees are encouraged to continual improve, go the extra mile and always support the client. Feedback and surveys reveal comments such as this: "Direct Business Lending is one of the greatest place to work. I have built lifelong relationships and have brought several friends to come work here. The openness of communication is like nothing I have ever experienced, it’s amazing that everyone has a voice, not just managers. As the company has grown so quickly, promotions happen quickly of the right people, I couldn't imagine working anywhere else. Jantzen is amazing to work for; he takes the time to listen and communicate with all employees and customers no matter the time of day." Ripoff Report was pleased to learn that Direct Business Lending’s past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.

In summary, after our review, which included discussions with Mr. Fugate and many of his past and current associates, Ripoff Report is convinced that Direct Business Lending committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Programthey agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.



direct business lending They did not do what was promised. I am losing my company because they do not produce what is promised every complaint u read about this company is true. I have contacted atty general in salt lake city to file complaint this company needs to be put out of business. I hope every one one here that has had dealings with them also files with atty general. go to file complaint to file. salt lake city Utah

approx 1 month ago I contacted direct business lending and spoke to them about getting financing for my trucking company. after speaking to them i was impressed with the knowledge they supposedly had and was told my personal credit should not be a problem. they promised web site business plan domain name d&b number. I agreed to pay deposit and then agreed to pay balance up tp 3500.00 over time for the work they would be doing for me. they promised business plan would be done so that i may have better chance of funding.this was all supposed to be done together. I have done everything they asked as far as paper work is concerned yet I still have only a d&b number that i found out is worthless because no one can get reports or scores under the plan they set up. i can change for more monery.i did my own domain name and could have gotten my own d&b number.I stand to lose my company because it has been so long now I do not think I can recover. i trusted them to come thru so i let my truck go now i cannot work. and cxannot get funding sad. I worked for 5 years on my own to attempt to build this company now it will be all gone. 

Is this Ripoff Report About you?
Ripoff Report A business' first line of defense on the Internet.
If your business is willing to make a commitment to customer satisfaction Click here now..

Does your business have a bad reputation? Fix it the right way. Corporate Advocacy Program™

Set the record straight: Arbitration Program

SEO Reputation Management at its best!

This report was posted on Ripoff Report on 05/16/2014 11:51 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals


#1 Author of original report

direct bussiness lending

AUTHOR: trucker - ()

If you think about it this company has a good thing going if they have 1,000 clients they are working on x159.00 per month = 159,000 dollars a month according to them they have 2,000 clients. a lot of money for no work pretty good ripoff. Atty general needs to look into this company.

Respond to this report!

#2 Author of original report


AUTHOR: trucker - ()

Direct bussiness lending did not do my plan  they sent me questionaire and we filled it out and returned it immediately. twice. They constantly tell you oh we dont have that yet or we did not receive. It is always concumers fault. As far as web site. I do not have the items they want they are supposed to do web site put it with a hosting company then domain name that i got on my own can be added all after we approve web site. Once agaoin a stall tactic. they gave me a d7b number it is free yet when I contacted D&B they told me the plan I was under did not allow anyone to obtain info about my company or its credit rating.thus it is useless. if you lok at other complaints about this company they are answering me same as all other complaints. now supposedly this big wig from company wants to remedy this. If they are so good at this why do they not complete what they start.

Respond to this report!

#3 REBUTTAL Owner of company

A little clarification on DBL's part

AUTHOR: Direct_Business_Lending - ()

Thank you for voicing your frustration, I completely understand your frustration. Like any of us, you engaged a company, in this case Direct Business Lending, to provide services to you and if those services are not provided, it makes sense that you are frustrated. My name is Jantzen and I am the CEO of Direct Business Lending. To hear such feedback about our company is very concerning to me and I've taken the time to personally review your file in detail to truly understand where the breakdown occurred. We do not claim to be perfect but we do strive to provide amazing quality of service and are always proactive in resolving any issues that may arise. 

Please review my findings below: 

You engaged our company April 21, 2014 - exactly 1 month ago yesterday.

Given the current state of the file, funding in less than 1 month would be near impossible for any company to accomplish because the situation that that was presented to us..

I personally listened to the initial call with our staff and clearly hear that none of our staff gave the impression that funding was going to happen “soon”, “within 30 days” or anything of the sort. Our staff clearly outlined that there were several steps that need to occur before funding can be achieved. With that said, I understand that the client wants funding ASAP and believe me, we also want to get the client funding ASAP! Please keep in mind, it's the clients profile that's not allowing us to accomplish funding for him and hence the reason for his enrollment in our Lender Prep package. Lenders have very specific guidelines of what they require and if those requirements are not met, any application will be met with an automatic decline. Our firm was engaged to help bring this file into adherence to these specific guidelines and achieve funding for the business.

When looking at why the business plan was not completed as per the claim; I noticed that we sent the client our Business Plan Questionnaire twice over the last 3 weeks, once on April 24th 2014 (three days after engaging our firm) and the second time on May 14, 2014. We understand that you are very busy operating your business and living life and this may not have been your number 1 priority, however, it is impossible for our team to complete the Business Plan without first receiving the required details in the Business Plan Questionnaire, as stated to our client on several occasions. 

If the above client can take a few minutes to complete the Business Plan Questionnaire, our will gladly produce the Business Plan. To help expedite, I will personally request our business plan writing team rush the completion as a VIP client. Please understand, to do our job we really do need to have the Questionnaire completed and returned to us prior to us being able to start. If the above client would like some clarity on any of the questions, myself or any member of our Client Services Department are more than willing to walk our clients through each and every question. We are here to help! 

I also see that the above client is requesting the status of their website.  After reviewing the file, I see that their website design has been completed by our design team and we are currently waiting on the above client to provide “FTP and cPanel” login credentials. We've requested this information on 3 separate occasions from the client; once on May 6th, 2014 a second time one day later, May 7th, 2014 and a third time on May 14t, 2014. 

Respectfully, it is impossible for us to launch the website without this information. If any difficulties are being experienced, please don’t hesitate to contact our Client Services team, we are here to help!

In regards to the D&B number that is referenced as “useless”. D&B is the primary known source for business credit and the first thing to do when starting to build business credit is to establish a DUNS number through D&B. This number is absolutely critical in building business credit. In fact, the SBA (Small Business Administration) actually requests all applicants to have a DUNS number through D&B prior to any SBA loan being approved. So this number is absolutely critical in a business owner’s pursuit for funding. Many lenders place emphasis on what is being reported to the business credit bureaus, much the same way a personal credit score is evaluated for a personal loan, mortgage, credit card etc.

I would never claim that our team is perfect; we are rapidly growing and with this growth come some growing pains that we address as quickly as possible. If we make an error, we are the first to own it and do everything we can to rectify the issue as quickly as possible. With that said, I'm having a hard time pinpointing where our team dropped the ball.

I understand the client’s frustration, based on their post hence why I have personally stepped in. I've reached out to the client directly to try and solve any issues but have yet to receive a response.

For any clients or potential clients researching Direct Business Lending - Please contact me directly, Jantzen, Founder and CEO of Direct Business Lending with any issues that arise. I'm committed to our client’s satisfaction!


Respond to this report!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.