Open a revolving credit line and draw only what you need.
$10K to $250K on standby. Interest accrues only on the funds you actually draw — the undrawn portion of your line costs nothing, and the line replenishes as you repay it. 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.
You're approved for a ceiling. You're billed on a balance.
A term loan hands you the whole amount and starts charging on all of it from day one. A line hands you a ceiling and charges on the dollars you've actually taken, for the days you actually hold them. Same word — funding — two different meters.
The limit is capacity, not debt
Approval doesn't put money in your account or a payment on your calendar. It sets a ceiling. Until you draw against it there's no balance, no interest, and nothing to repay.
You're charged on what you took
Draw $30,000 against a $100,000 line and interest accrues on the $30,000. The other $70,000 isn't borrowed and isn't priced. The rate is variable, so your advisor gives you the real number on a draw your size before you take one.
Repay early and two things happen
There's no prepayment penalty, so the day you clear those dollars is the day the meter stops on them. And the capacity comes back — repay $30,000 and $30,000 is available again. On a fixed-payback advance, paying early does neither. You owe the same total, sooner.
The second draw isn't a second application
You underwrite once and draw against it all year — no new file, no new decision, no starting over the week the money's tight.
One underwrite. A year of draws.
The paperwork happens once. After that a draw is a transfer, not an application — and that's the whole operational difference between holding a line and asking for money every time cash gets tight.
Complete the online application
Recent business bank statements are typically the documentation — no two years of tax returns. A line does call for a year in business and consistent monthly revenue. Better to know that now than at the end of a form.
Get an approval and set your limit
Lines are sized to your revenue. Your dedicated Funding Advisor confirms the ceiling, explains the variable rate, and tells you what a draw the size you have in mind actually costs. You see that number before you sign anything, not after.
Draw funds whenever you need them
Once the agreement is signed, approved lines fund in as little as one business day, and repeat draws are usually faster. Repay when the event you named arrives and the capacity comes back.
Four instruments. Only one of them revolves.
Because we underwrite in-house, we can point you at the right instrument instead of the biggest one. A line is built for money that goes out and comes back. The other three are built for money that goes out once and stays out.
Line of Credit
$10K – $250K
The only one here that revolves. Draw when the invoice is late, repay when it lands, and the same capacity is there for the next gap. Interest accrues on the drawn balance only — the rest of your limit isn't a bill.
Working Capital
$20K – $1M
When the number is bigger than the line will go. One payout, one schedule — a bulk inventory buy, a slow stretch you already have circled. Decided heavily on your revenue, not your credit score. It's also the answer if you aren't a year in business yet, since a line requires one.
Term Loans
$25K – $2M
For the five-year decision, not the five-week one. A second location, a buildout, a fleet addition — fixed payments over a set term, with rates as low as 5.99% for strong files. If you'd never get the balance back to zero, you needed this and not a line.
Equipment Financing
Up to $2M
A repair is a draw. A replacement is this. Trucks, trailers, lifts, ovens — the equipment secures its own financing, so the term is set against the asset instead of against your limit.
Five gaps a line closes — and one it shouldn't
The first five are gaps with an end date: money out now, money back when the thing you already sold finally pays. That event is what repays the draw, and it's why a line fits. When the gap has no end date, it's a different conversation, and your advisor will say so.
Net 30 that behaves like net 60
The work is done, the invoice is out, and the money arrives when your customer decides. Payroll runs Friday either way. Draw to cover the stretch, repay the day the check posts, and the line is full again for the next invoice.
The volume price that expires Friday
A 2/10 net 30 discount is worth $4,000 on a $200K buy. Wait for cash and you leave it on the table. Draw, take the discount, and repay as the goods sell through — then weigh what the draw cost against what the discount saved.
The eight weeks nobody calls
Rent, insurance, and the two people you can't afford to lose all keep running through the slow stretch. Carry them on the line and pay it down when the season turns. You're charged for the weeks you actually carried a balance, not for a full year of borrowing.
The order that's bigger than your account
A contract twice your usual size is a cash problem before it's a profit. You front the labor and the material, and the margin lands months later. An approved limit is the difference between bidding it and watching somebody else take the work.
The machine that goes down on a Tuesday
Equipment fails on its own schedule, and a five-figure repair doesn't wait for a bank. Draw the same week instead of putting it on a card, then repay it out of the jobs the machine runs once it's back.
The draw we'd talk you out of
Putting a truck or a new machine on the line is the draw we'd rather catch first. A long-lived asset belongs on equipment financing, where the asset is the collateral and the term matches how long you'll run it. That keeps your limit open for the week you didn't plan for.
Twelve-plus years funding operators, not spreadsheets
Express Capital has funded over $250M to more than 5,000 small businesses nationwide, across construction, transportation, retail, and more.
- Construction & Contractors
- Transportation & Trucking
- Retail & E-commerce
- Restaurants & Food Service
- Wholesale & Distribution
- Professional Services
- Medical & Dental Practices
- Auto Repair & Body Shops
- Manufacturing
- Landscaping & Field Services
- Salons, Spas & Fitness
- Staffing & Business Services
If your business bills on terms or moves through seasons, a line usually fits.
Everyone will sell you a lump sum. Fewer will set a limit.
A bank will underwrite a real line and take weeks of paperwork to do it. Some online shops will call something a line and then structure every draw as its own fixed-term loan — a lump sum with extra steps. Here's the honest middle.
Swipe to compare all three →
A broker gets paid at funding. A line has to work all year.
Most sites that rank for this product are lead forms. They collect your file, sell it into a network, and get paid the day something funds. A limit has to be set, revisited, and reachable on the day you draw. That only works when the lender holds the paper.
The ceiling comes off our own balance sheet
A broker can't set a limit. They can only carry your file to someone who will, and take points for the introduction. We fund from our own capital, so the ceiling is our number, and your advisor can tell you exactly which deposits set it.
One number to call on draw day
It's Friday, the invoice hasn't cleared, and payroll runs at two. You call one number, and the person who picks up already has your file open — not a network of buyers who bought your number a year ago. We underwrite in-house, and we don't resell applicant data.
A moving balance isn't a warning sign
A line's balance moves by design. You draw in March, sit at zero in May, draw again in June — a pattern that looks erratic to anyone pricing off one month's snapshot. We underwrite the deposits ourselves, so a soft quarter gets read by the person who knows why it was soft.
A limit isn't set once and filed
A brokered file has an end date: the day it sells. A line doesn't end — it sits open, gets drawn, gets repaid. We own the note, so we're the ones still looking at it a year in. When your deposits grow, ask your advisor whether the ceiling should grow with them.
An advisor who will tell you when not to draw
One dedicated Funding Advisor sets your limit, and it's the same person you reach when you want to draw against it. They learn how your money actually moves — when deposits land, which month always runs thin, how long your customers really take to pay — because a limit sized wrong is either useless or unused.
They size the ceiling with you
Tell them what the recurring gap actually is — the payroll you float, the materials you buy before the deposit lands — and the ceiling is built around that number, not around a category.
They'll talk you out of a draw
A line is the right tool for a gap that closes on a date you can name. It's the wrong tool for a truck or a buildout — drawn against a five-year asset, it never gets to zero. Ask before you draw, and your advisor will tell you when a term loan or equipment financing is the better structure.
They answer on the day you draw
Speed only matters if someone picks up. You reach one person who already has your file, so the call is about the draw, not about re-explaining your business.
They carry your history back to underwriting
We report to the business credit bureaus, so a line you draw and repay on time becomes a track record in the company's name. Your advisor is the one who revisits your limit as your deposits grow, and who makes the case for raising it when there's a case to make.
Priced on what you draw
Variable rate, charged on your drawn balance only. No prepayment penalty — paying the balance down early lowers what the line costs you. Checking your options is free and comes with no obligation.
The part owners notice only after they've drawn
Rated 4.8/5 across hundreds of reviews on Trustpilot, A+ accredited with the BBB. One client, who uses an approved amount for down-season payroll and pays interest only on what's currently drawn, described the mechanic 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.”
What a line costs before you draw a dollar
What sets your limit, what a draw actually costs, what an unused line costs you, how fast you can draw, and what it touches on your personal credit — answered plainly.
A term loan gives you a single lump sum that you begin repaying immediately. A line of credit gives you an approved limit you can draw from repeatedly — you only owe interest on the portion you actually draw, and the line replenishes as you repay it.
Business lines of credit through Express Capital Funding generally range up to $250,000, based on your time in business, revenue, and credit profile.
No. You're only charged on the funds you draw. If you don't draw against your line in a given month, you don't owe interest for that month.
That depends on how your line is structured, including whether a personal guarantee is involved. Your Funding Advisor will walk you through exactly how your specific line is structured — and what it does and doesn't touch — before anything is signed.
Once your line is approved and your agreement is signed, funds are typically available for draw within one business day, and repeat draws are usually faster.
Lines of credit generally require at least one year in business and consistent monthly revenue. If you're newer than that, a working capital loan may be a better fit in the meantime.
Set the limit before the week you need it
About 60 seconds, no obligation, and one dedicated advisor calls you. We're the lender, not a broker — your file doesn't get sold into a network, so your phone doesn't start ringing. The best time to size a line is the quarter before you draw on it.