Speed and Ease of Capital

At Direct, there is no middle man. Our operation is built for ease and speed. We save you time at all phases of the process, which saves you energy at all phases of the project, which saves you money at all phases of the investment. We use simple documents. We have fast underwriting. We’re flexible and creative. Most importantly, we are honest and fair. We operate a smooth and clean operation with total transparency. There are no hidden charges or prepayment penalties. We do our own analysis of value (no third party appraisal required for most loans under $500,000) and handle draw inspections in house.

Our Philosophy

We are a true “relationship lender.” We meet every client in person and inspect every property we finance. We are local and everything in-house (draw inspections, valuations etc). After a one-time due diligence our transactions are based on the existing relationship. We pride ourselves on our excellent communication and customer service. Our clients return to us again and again because we help them grow their business and their wealth. Our philosophy is simple: our success depends on our clients’ success.

Our Story

Founded in 1956, we have funded thousands of development projects and investment properties in and around Philadelphia -- 750 loans totaling just under $150MM in the last five years alone. The owners have decades of experience in all aspects of Philadelphia real estate. President and managing partner, Jared E. Pontz is an active investor, and has developed a range of single, mixed-use and multifamily projects. Founding partner Robert (Bob) Elfant is also a founder of Elfant Wissahickon Realtors. Together they own and operate Elfant Pontz Properties, a property management and development company responsible for over 600 rental units in Northwest Philadelphia. Read more about our team here.