Direct business lending built on Midwest values and structural support.
D & S LIFE, LLC was founded on a simple principle: businesses need capital partners who understand that growth is built on foundations, not flash. Based in Columbus, Ohio—at the crossroads of America's industrial heartland—we serve companies that value reliability, transparency, and long-term relationships.
We are direct lenders, which means faster decisions, clearer terms, and accountability. No third-party brokers. No hidden fees. Just straightforward financing structured around your business fundamentals.
Our team has decades of combined experience in commercial lending, underwriting, and business operations. We've worked with manufacturers, distributors, service companies, and contractors—businesses that build, make, and move things. We understand cash flow cycles, equipment needs, and seasonal fluctuations.
When we commit to funding, we deliver. No last-minute surprises or shifting terms. Your business depends on certainty—so do we.
Clear terms, upfront fees, and honest conversations. You'll know exactly what you're signing before you sign it.
We're not just a transaction. We're invested in your success and available when you need guidance or additional support.
We underwrite, fund, and service your loan. One relationship, one point of contact, complete accountability.
Most applications receive a funding decision within 24-48 hours. No weeks of waiting or unnecessary paperwork.
Revenue-based repayment, seasonal adjustments, equipment-specific terms—we match financing to your operations.
Based in Columbus, we understand Midwest businesses and the industries that drive this region's economy.