About PIRS Capital
A direct lender that wants to
grow your business.
Direct capital. Faster than your bank, smarter than your fintech. Since 2012, PIRS Capital has put working capital in the hands of the U.S. small businesses banks too often overlook. Fourteen years, over $1B deployed, and a relationship-first approach that treats every funded business like a partner, not a transaction.
- Direct lender since 2012
- $1B+ deployed
- 100K+ funded
- All 50 states
The company at a glance
Fourteen years of funding Main Street.
The numbers behind a relationship-first direct lender, built one funded business at a time, from Miami Beach since 2012.
Lending since 2012
Capital deployed
Businesses funded
States served
Explore PIRS
Get to know the company behind the capital.
The long arc of how we got here, the culture we're building, and what the world's been saying.
What we stand for
The principles behind every deal.
We built PIRS around a simple belief: small businesses deserve a funding partner who picks up the phone, underwrites with judgment, and is still there at renewal.
Relationship over transaction
We don't fund and forget. The team that approved you is the team you call, through your first advance, your growth, and every renewal after.
Honest, plain-English terms
No hidden mechanics, no surprise fees. We explain how repayment works, what it costs, and why, before anything is signed.
Underwriting with judgment
Real people review every file. A strong business that doesn't fit a box still gets a fair look. That's the advantage of a direct lender.
- BBB A+ Accredited
- Trustpilot
Let's grow your business.
Apply for working capital in minutes, or talk to a real person on our team. Same-day decisions, funding in as little as 24 hours.