You front the job. The draw pays late. We fund the gap in 24–48 hours.
Working capital for contractors — $20K to $2M against your deposits, not your balance sheet. Cover material, payroll, and mobilization now; repay as your pay applications clear. See your options in 60 seconds, free and with no obligation.
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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.
Your money isn't missing. It's 60 days out.
Every contractor runs the same math. You buy the material, you make payroll, you finish the phase — then you wait on the pay app. The work is profitable. The timing is what hurts.
You fund the job before the job funds you
Material and mobilization hit in week one. The pay application goes out at the end of the month. The check lands 30 to 60 days after that. You carry the job for most of a quarter with your own cash.
Retainage holds your profit until closeout
Five to ten percent of every invoice sits in someone else's account until the job closes. On a $500K contract that's $25K–$50K — often the entire margin — released long after you earned it.
Payroll doesn't run on a draw schedule
The crew gets paid Friday whether the GC funded you or not. Miss it once and your best hands go work for the contractor down the road — and you rebuild the crew in the middle of your season.
The supplier wants COD; your bid was fixed
Lumber, steel, copper, and concrete move faster than your contract price. When the buyout comes back over the estimate, the difference comes out of your working capital, not the owner's.
Downtime costs more than the repair
A dead excavator or a burned-up compressor stops the whole sequence behind it. Rental, overtime, and a slipped schedule cost more in a week than fixing it right away would have.
The job you turn down is the expensive one
Passing on a $400K award because you can't float the first 60 days isn't discipline — it's the costliest decision you'll make this year, and the GC remembers who could take the work.
From application to funded, before the next payroll
No WIP schedule to assemble. No two years of returns. No waiting weeks for a maybe while your mobilization date moves.
Tell us about the work
A 60-second application — no pay applications to pull, no G702s, no tax returns to dig up. Just the basics that let us match you to the right structure.
Talk to an advisor who knows the trade
Your dedicated Funding Advisor reviews your file and confirms real options, usually the same business day. Tell them when your draws actually land and repayment gets built around that.
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 a job.
Because we underwrite in-house, we match the structure to the need — a short bridge for a material buyout is a very different product than iron you'll run for the next eight years.
Working Capital
$20K – $1M
The draw-gap product. Cover material, payroll, and mobilization now, and repay as your pay applications clear. Decided heavily on your deposits, not your credit score.
Term Loans
$25K – $2M
Fixed payments for planned moves — a second crew, a yard, a shop, a fleet addition. Rates as low as 5.99% for strong files.
Equipment Financing
Up to $2M
Excavators, skid steers, lifts, trucks, trailers, and shop equipment — financed with the iron itself as collateral.
Line of Credit
$10K – $250K
Draw per job, repay when the pay app clears, and only pay for what you're using. Built for running several jobs at different stages at once.
Six places a few weeks of capital changes the job
This isn't money to sit on. It's money with a start date — and every one of these has a deadline attached to it.
Material buyouts
Lock the price and take the early-pay discount instead of stretching the supplier. A standard 2/10 net 30 is worth $4,000 on a $200K buyout — a real number to weigh against a short bridge.
Payroll across draws
Two draws pending, three crews working, one Friday. Cover weekly payroll and certified payroll on public work without draining the reserve you keep for warranty and callbacks.
Mobilization on a new award
Bond premium, permits, insurance certs, rentals, trailer, and site setup all land before the first pay app. Fund the front end so a win doesn't turn into a cash problem.
Equipment — buy it or fix it
Finance the machine with the machine as collateral, up to $2M. Or cover an emergency rebuild this week so the trades stacked behind you don't slip.
Bridging retainage
Your finished jobs are holding 5–10% you already earned. Bridge it now instead of waiting on punch list, closeout documents, and lien releases to shake loose.
Taking the bigger job
Stepping from $250K jobs to $1M jobs is a working-capital problem before it's an operations problem. Fund the capacity first, then bid with the confidence to carry it.
General and specialty. Commercial, residential, and public.
Union or open shop, prime or sub, one crew or twelve. If you invoice for work you've already performed and wait to get paid for it, your cash flow is exactly what we underwrite.
- General contractors
- Concrete & masonry
- Excavation & site work
- Roofing
- Electrical
- Plumbing
- HVAC & mechanical
- Framing & carpentry
- Drywall & finishes
- Painting & coatings
- Steel & welding
- Paving & asphalt
- Demolition
- Utility & underground
- Fire protection
- Glazing & curtain wall
- Flooring
- Insulation
- Landscaping & hardscape
- Solar & renewables
- Restoration & abatement
- Millwork & finish carpentry
- Septic & water systems
- Home builders & remodelers
Don't see your trade? It's on the list. Pick the closest match on the form and your advisor will sort it out.
Express Capital vs. other lenders
A bank wants two years of returns, a WIP schedule, and four to eight weeks. The job starts Monday. Plenty of online shops will move fast and price it like an emergency. Here's the honest middle.
Swipe to compare all three →
You've filled out a contractor funding form before. You know what happened next.
Your phone rang for a month straight. That's a broker who collected your file and sold it to a network. Express Capital funds with its own money — one decision, one advisor, one number that calls you.
We fund with our own capital
Most "contractor funding" sites are brokers who shop your file to third parties and take points off the top. We keep the paper 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 an outside committee while your mobilization date slides. Straightforward files can see a real offer — and funding — the same business day.
We read cash flow, not just a balance sheet
Contractor books look lumpy by design: heavy WIP, heavy receivables, retainage sitting out for a year. We underwrite the deposits, so a healthy operator doesn't get penalized for how the trade pays.
A relationship, not a transaction
Because we hold the paper, we want you to win the next award too. Renewals, increases, and better terms as you grow are the whole point of doing it this way.
An advisor who already knows what a pay application is
No call center. No getting passed around. One dedicated Funding Advisor who learns your jobs, your draw schedule, and your season — and picks up the phone when the machine goes down on a Tuesday.
They learn your draw cycle
Tell them when your pay apps go out and when the GC actually pays. That's what repayment gets built around — not a generic grid that assumes money arrives evenly every month.
They stay through the season
The same person for the spring ramp, the summer award, the winter carry, and the renewal. A relationship, not a ticket number and a new rep each time.
They fight for your file
When the numbers are close, a human who understands retainage and work-in-progress can find a path a rigid scoring model 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 builds credit history in the company's name and makes the next round stronger.
Capital priced for operators
Checking your options is free, takes about 60 seconds, 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 client — a seasonal operator carrying payroll through the slow months — 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 for contractors
Bonding, retainage, UCC filings, public work. The questions contractors actually ask before they sign anything — answered plainly.
That's most of the construction files we see. We underwrite the deposits in your business bank account over recent months — not a projection of what the job should produce. Tell your advisor when your pay applications go out and when the GC actually pays, and repayment gets sized and timed around that rhythm instead of assuming money arrives evenly every month.
Not the way a factor does it. We don't buy your receivables, so there's no notification to your GC or the owner, no lockbox, and no third party collecting on your invoices — you keep the customer relationship entirely. What we do is fund working capital against your overall cash flow, which solves the same problem: money you've earned but haven't been paid yet.
Be upfront with us about it. Surety underwriters look at working capital and total debt, so any financing becomes part of that picture, and a UCC-1 filing is public. Tell your advisor you're bonded and they'll size and structure the funding with your surety relationship in mind — and tell you honestly if the timing or the amount would work against you. We'd rather lose the deal than cost you bonding capacity.
Express Capital is a direct lender making true business loans — stated terms, no pre-payment penalty, and no broker points taken out of your funding. A merchant cash advance buys a slice of your future receipts at a factor rate, which is a different instrument with a different cost. If a short revenue-based structure genuinely fits your situation better, your advisor will put both sets of numbers in front of you and tell you which one costs less.
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. To see options, the 60-second form is enough. To fund, we'll usually want recent business bank statements — no WIP schedule, no AIA G702s, no two years of tax returns. Credit is considered, but strong, steady deposits can offset a thinner score on many of our programs.
Yes. Public jobs pay slowly and require certified payroll every week, which is exactly the timing gap working capital is for. Tell your advisor your mix of public and private work — they pay on very different clocks, and the structure should reflect that.
Straightforward files often see a real offer the same business day, with funds landing as soon as the same day when you get bank statements over quickly — and typically within 24–48 hours of signing. Practical advice: if mobilization is Monday, start on Wednesday, not Friday afternoon. Larger or more complex requests take a little longer, and your advisor will give you the honest timeline up front.
As is standard across virtually all business financing, we may file a UCC-1 financing statement. That's a routine public filing noting our interest in business assets — it is not a mechanic's lien, it has nothing to do with the projects you're working on, it isn't a lien on your home, and it's released once the funding is paid off. Your advisor will walk you through exactly what it means before anything is signed.
Not automatically. We fund from cash flow first, so consistent deposits can carry a file that a credit-first lender would decline. Free consumer apps usually show a VantageScore, while lenders pull FICO — those can run 70–100 points apart. If the numbers are close, talk to an advisor rather than assuming the answer; we regularly find paths for operators other lenders turned away.
Yes. Your data is encrypted in transit, we never sell it, and you're in control of every step before anything is finalized. Because we're a direct lender and not a broker, your file doesn't get distributed to a network of buyers — which is why your phone doesn't start ringing off the hook.
Find out what you can carry — before you bid it
About 60 seconds, no obligation, and a dedicated advisor calls you personally — usually the same business day. Know your number before the next award, not after.