Our Story
AGNES DAYTON LLC was founded in 1888 in the heart of Dayton, Ohio, during an era when handshake deals and personal relationships formed the foundation of business. Over 135 years later, we continue to honor that legacy while embracing modern financial solutions.
As a direct lender, we've never lost sight of what matters most: building lasting partnerships with businesses and providing them with the capital they need to thrive. Our roots in Dayton's industrial heritage have shaped our approach—disciplined, reliable, and focused on long-term value creation.
We specialize in business funding across multiple sectors, with particular expertise in manufacturing, distribution, professional services, and commercial real estate. Our team understands the unique challenges facing Midwest businesses and structures financing solutions that align with your growth trajectory.
Our Approach
Unlike banks with rigid credit boxes or alternative lenders with hidden fees, we take a comprehensive view of your business. We evaluate your company's fundamentals, cash flow patterns, and growth potential—not just a credit score.
Every financing relationship begins with a conversation. We listen to your needs, understand your goals, and structure flexible terms that support your business objectives. Our decision-making process is streamlined, with most applications receiving a response within 24-48 hours.
Integrity
Transparent terms, honest communication, and a commitment to ethical lending practices define every relationship.
Partnership
We view every client as a long-term partner, invested in your success beyond a single transaction.
Expertise
Over a century of experience in business lending across economic cycles and industry shifts.
Responsiveness
Fast decisions, direct communication, and the agility to move at the speed of your business.
Our Timeline
1888
Founded in Dayton, Ohio as a merchant banking operation serving local manufacturers and merchants.
1920s
Expanded into equipment financing and working capital solutions during the industrial boom.
1970s
Became a direct lender specializing in commercial real estate and business expansion financing.
2000s
Launched revenue-based financing programs and modernized our underwriting platform.
Today
Serving businesses nationwide with flexible funding solutions backed by over a century of expertise.
Why Choose a Direct Lender
Working with a direct lender means faster approvals, better pricing, and a single point of contact throughout the financing process. We make the decisions—no committees, no third-party approvals, no unnecessary delays.
Our balance sheet strength and institutional backing allow us to fund transactions that traditional banks might decline while maintaining competitive rates. We're selective about the businesses we work with, but once we commit, you have a reliable capital partner for the long term.