Working capital in your account as soon as the same day.
Up to $300K in flexible business funding — underwritten in-house against your real cash flow. See your options in 60 seconds, free and with no obligation.
Hundreds of reviews on Trustpilot →
Free · No obligation
Check your funding options
How much funding are you looking for?
Insider insight
Right-size the ask to your revenue
Approvals move fastest when the amount requested lines up with what your deposits can comfortably service — most direct lenders fund up to roughly 1–1.5× your average monthly revenue. Not sure what's realistic? Your advisor will help you land on the right number.
Funded in three simple steps
No stacks of paperwork. No waiting weeks for a maybe. Just a clear path from application to capital.
Tell us about your business
A 60-second application — no documents to dig up. Just the basics that let us match you to the right funding.
See your real options
Your dedicated Funding Advisor reviews your file and confirms your options, usually the same business day. You'll know your funded amount and rate before you commit to anything.
Get funded
Approve your terms and the capital lands in your business account — as soon as the same day, and typically within 24–48 hours of a signed agreement.
One direct lender. Every way to fund growth.
Because we underwrite in-house, we can match you to the right structure — not just whatever a broker's network happens to offer that day.
Working Capital
$20K – $1M
Flexible funding for cash flow, payroll, inventory, or seizing a time-sensitive opportunity. Financing is decided heavily on your revenue, not credit score.
Term Loans
$25K – $2M
Fixed payments over a set term for planned, larger investments — rates as low as 5.99% for strong files.
Equipment Financing
Up to $2M
Fund the machinery, vehicles, or hardware your business runs on, with the equipment itself as collateral.
Line of Credit
$10K – $250K
Draw what you need, when you need it, and only pay for what you use. Enjoy instant access to capital when the need arises.
Real businesses. Real owners. Real capital.
From the job site to the salon chair, we fund the owners who keep Main Street running — with repayment matched to how your cash actually moves.
Owners shown are representative of the businesses we fund.
Express Capital vs. other lenders
Banks offer low rates but move at a glacial pace. Many online lenders offer speed at a high premium. We built the middle: bank-like pricing with online speed—and a real human in your corner.
Swipe to compare all three →
You've filled out these forms before. This one's different.
Most business-funding sites are brokers — they collect your info, shop it around, and take a cut. Express Capital funds with its own money. That changes everything about your experience.
We fund with our own capital
Most online "lenders" are brokers who shop your file to third parties and take a cut. We keep loans on our own books — so the decision, the terms, and the money all come from one place.
One decision, not a bidding war
We underwrite in-house so there's no waiting on outside approvals. Straightforward files can see a real offer — and funding — the same business day.
We know your numbers better
Keeping our own portfolio means we've funded thousands of businesses like yours. That data lets us say yes to strong operators other lenders' rigid boxes would turn away.
A relationship, not a transaction
Because we hold the paper, it's in our interest for you to thrive and come back. Renewals, increases, and better terms as you grow are the whole point.
A consistent human advisor who stays with you — for as long as you're with us
No call center. No getting passed around. You get one dedicated Funding Advisor who learns your business, remembers your history, knows your goals, and picks up the phone when you call. It's how banking worked generations ago — and how funding should work now.
They actually know you
Your funding advisor knows your situation, your history, and what you're building — so every conversation starts where the last one left off, not from a blank screen.
They stay with you
The same person through your first draw, your renewal, your increase, and the season you hit a bump. A relationship, not a ticket number.
They fight for your file
When the numbers are close, a human who understands your story can find a path a rigid algorithm never would — the difference between a “no” and a solution.
They help you build
We report to the business credit bureaus and share that reporting with you — so each round of funding helps build your business credit and makes the next one stronger.
Transparent, competitive capital
Checking your options is free and comes with no obligation.
Old-school relationship banking, brought back
Rated 4.8/5 stars across hundreds of reviews on Trustpilot and Google. One of our clients described the difference better than we could.
“We worked with Jon at Express Capital — I actually built the relationship a year ago. One of our businesses has regular marketing needs and down-season payroll needs that we often use short-term funding for during the winter months. We just began our initial agreement with Express Capital and the process has been really smooth so far.
What we really like is that they operate like your old-school banker may have operated generations ago. They ask for a list of your objectives and talk through your needs for funding — they want to get to know the business. They also report to business credit for you and help you build your business credit history, and provide that reporting to you. Most lenders just look at your past three months of revenue, run their typical equation, and hand you a max loan amount with difficult payback terms.
Express Capital approves a total amount, but you can draw what you want based on need — like a line of credit — so you only pay interest on what you're currently using. They keep in touch, re-evaluate, and can issue more funds if needed. They can also refinance and extend terms, and will even work with a business that can't make a payment rather than sending it straight to collections.
Personal relationships and the ability to talk to someone who crafts things just for you is a lost art in a world of shoveling products through a lead funnel as fast as possible. This is where Express Capital offers real market differentiation — an excellent solution for any business, especially small ones.”
“After weeks of dealing with brokers offering less-than-ideal terms, Mico took the time to learn about our business and developed solutions for our capital needs at great rates. Express Capital are direct lenders, so you're dealing directly with decision-makers — someone you can build a longer-term financial relationship with. The whole process was smooth and got us funded at great rates.”
“Great experience! Dan Morris treated me with total respect and handled everything professionally. Transparent terms and very fair rates. I'll definitely be back if I need help again.”
“Jon and Kamila were great to work with. They understood my needs and were able to structure financing to meet them.”
“Jon made the process super fast and easy for us — no haggle, just got it done. By far the easiest company to work with if you need additional funds for your business.”
“Anthony at Express Capital Funding was outstanding. He was quick, efficient, and incredibly kind throughout the entire process. He made everything simple and stress-free, kept communication clear, and truly cared about helping. I highly recommend Anthony and Express Capital Funding to anyone looking for fast and reliable funding with excellent customer service.”
“Working with Jess is key — along with the flexible, custom options. Great experience from the start!”
“Amazing experience all around. I spent almost a month shopping around for loans. Everyone either was an immediate no or wanted to rush me to sign immediately. Once I finally found these guys, Anthony called me with a very warm greeting and conversation. He spent about a week with me going back and forth trying to find the absolute best option for me. I am so glad I found them as I will continue to come back to them for future capital needs.”
“Great experience with Express Capital! I just received my second round of funding with them. Justin, Pablo, and Brian are the best — a pleasure to work with!”
“Great communication and fast response. Very pleased with the service.”
Straight answers, no fine-print games
We'd rather you understand exactly how funding works than sign something you're unsure about. Here's what business owners ask us most.
Most business-funding sites are brokers: they collect your information and shop it to a network of lenders (and often resell your data). Express Capital funds from its own capital. That means one underwriting decision, terms that come straight from us, your information staying in one place, and one funding advisor who stays with you.
Generally: at least 6 months in business, revenue in the last 4+ months, roughly $10,000+ in average monthly revenue, and a U.S. business bank account. Credit is considered, but strong, steady deposits can offset a thinner score on many of our programs. Close but not quite there? Talk to a funding advisor — we regularly find paths for businesses other lenders turn away.
As is standard across virtually all business financing, we may file a UCC-1 financing statement. This is a routine public filing that notes our interest in the business — it is not a lien on your home or personal property, it doesn't prevent you from operating, and it's released once the funding is paid off. Your funding advisor will walk you through exactly what it means before anything is signed.
Straightforward files often see a real offer the same business day, with funds landing as soon as the same day when you get your bank statements over quickly — and typically within 24–48 hours of signing. Larger or more complex requests can take a little longer — your funding advisor will always give you the honest timeline up front.
Because those three things — in that order — are what actually shape your offer. Being upfront lets your funding advisor show you accurate options instead of a teaser rate that changes later. And if something isn't a fit today, we'll tell you exactly what would change that.
Yes. Your data is encrypted in transit, we never sell it, and you're in control of every step before anything is finalized.
Find out what your business qualifies for
It takes about 60 seconds, there's no obligation, and a dedicated advisor follows up personally. See your real options today.