You front the tank, the iron, and the crew. We fund the gap in 24–48 hours.
Working capital for septic, sewer, and wastewater contractors — $20K to $2M against your deposits, not your balance sheet. Cover tanks, permits, fuel, tipping fees, and payroll now, and finance pump trucks and excavators with the iron itself as collateral. 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.
Two businesses on one balance sheet. Both of them front the money.
The route runs on a truck you can't replace overnight. The installs run on a permit office's calendar and a homeowner who wasn't planning on this. Everything you spend goes out before anything comes back.
One truck down stops the whole route
A vacuum truck isn't a spare you keep in the yard. A blown pump, a failed PTO, or a hydraulic line takes the day's stops and pushes them into next week — and the customers who couldn't wait called whoever answered the phone.
The install is bought long before it's billed
Soil evaluation, design, permit fees, the tank, chambers, pipe, and stone, plus excavator time and crew days — all of it goes out before an invoice exists. On an advanced treatment or mound system, that's tens of thousands committed before you've earned a dollar.
You work on the inspector's calendar, not yours
Permit issuance and the cover-up inspection set your schedule. A rescheduled inspection or a week of rain means a crew and a machine you paid for on a day you can't bill — and a job that stays open on your books.
Grant and county work reimburses after everything
State revolving funds, county replacement programs, and rural assistance programs pay on completed work and completed paperwork. You bank the material, the labor, and the iron for months, then wait on a check that moves at government speed.
A failure isn't in anybody's budget
Nobody saves up for a drainfield. The money often shows up at a closing table or when a county loan funds, and until then the homeowner needs it fixed now and you're the one carrying it.
Disposal and fuel come out of today's cash
Every load is a tipping fee paid at the plant, in the moment, before the invoice you'll send has even printed. Multiply that across a full route and a fleet of trucks and it's a serious daily draw on the account.
From application to funded, before the truck sits another day
No job costing to assemble. No permits or as-builts to pull. No two years of returns. No waiting weeks for a maybe while the route backs up.
Tell us about the company
A 60-second application — no work orders to pull, no disposal manifests, 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 how your route and your install side each pay 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 heavy iron and a route.
Because we underwrite in-house, we match the structure to the need — a two-week bridge on tanks and stone is a very different product than a vacuum truck you'll run for the next twelve years.
Working Capital
$20K – $1M
The gap product. Cover tanks, stone, permits, fuel, tipping fees, and payroll now, and repay as your invoices and reimbursements clear. Decided heavily on your deposits, not your credit score.
Term Loans
$25K – $2M
Fixed payments for planned moves — a second install crew, a yard and shop, a new service territory, a route acquisition. Rates as low as 5.99% for strong files.
Equipment Financing
Up to $2M
Vacuum and pump trucks, mini excavators and excavators, skid steers, dump trucks, jetters, and camera and locating gear — financed with the iron itself as collateral.
Line of Credit
$10K – $250K
Draw per install, repay when the job bills out, and only pay for what you're using. Built for running several permitted jobs at different stages at once.
Six places a few weeks of capital changes the year
This isn't money to sit on. It's money with a dig date — and every one of these has a deadline or a customer attached to it.
A truck down on Tuesday
Pump, blower, PTO, hydraulics, or a full rebuild. The repair is expensive; a stopped route is worse, because the stops you miss are the customers who find somebody else. Fund the fix this week, not next month.
The next truck or the next machine
Vacuum trucks, mini excavators, skid steers, dump trucks, and jetters are six-figure iron. Finance them with the iron itself as collateral, up to $2M — or fund the down payment as working capital and keep the reserve intact.
Tanks, chambers, and stone for a batch of installs
Suppliers want deposits or COD, and buying for several permitted jobs at once beats buying one at a time. Stage the material on your schedule instead of on whatever this week's deposits allow.
Floating grant and county reimbursement work
Replacement programs and rural assistance funds pay after completion and after paperwork. That work is worth having — it just has to be carried for months, and carrying it is what stops most contractors from bidding more of it.
Spring failure season
Saturated ground and a high water table push failing systems over the edge all at once, and the phone rings faster than you can dig. A second crew, rental iron, and overtime turn a two-month backlog into a booked season.
Buying a route
A retiring operator's pumping customers and treatment-system service contracts are recurring revenue and a pipeline of install work. Talk to your advisor before you sign a purchase agreement — the structure depends on the size and how the seller wants to be paid.
Pumping, installing, or both. Residential, commercial, and municipal.
One truck and a mini-ex or a full fleet with a service department. If you buy the iron and the material before anyone pays you, your cash flow is exactly what we underwrite.
- Septic pumping & maintenance
- Septic system installation
- Drainfield & leach field repair
- Advanced treatment (ATU) install & service
- Mound & sand filter systems
- Holding tanks & risers
- Septic inspection & real-estate transfer
- Sewer lateral & municipal connection
- Grease trap & FOG service
- Portable toilet rental
- Roll-off & waste hauling
- Hydro-jetting & drain cleaning
- Camera inspection & line locating
- Lift station install & service
- Excavation & site work
- Well drilling & water systems
- Water treatment & filtration
- Land application & biosolids hauling
- Grading & land clearing
- Utility & underground
- Plumbing & septic combined
- RV dump & marine pumpout
- Municipal & commercial contracts
- Emergency response & restoration
Don't see your operation? 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, an equipment schedule, and four to eight weeks. The truck went down Tuesday. 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 into 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 a truck sits in a shop. Straightforward files can see a real offer — and funding — the same business day.
We read cash flow, not an equipment schedule
Your balance sheet is heavy iron and your receivables include a county that pays when it pays. We underwrite the deposits, so an operator with a real route and real work doesn't get penalized for how the trade is built.
A relationship, not a transaction
Because we hold the paper, we want you running more trucks next year. Renewals, increases, and better terms as you grow are the whole point of doing it this way.
An advisor who already knows a permit sets your schedule
No call center. No getting passed around. One dedicated Funding Advisor who learns your route, your install season, and your county — and picks up the phone when the pump goes on a Tuesday.
They learn how each side of the business pays
Route service collects fast; installs, commercial accounts, and reimbursement programs don't. Tell them the real split and repayment gets sized around it, not around a grid that assumes even monthly revenue.
They stay through the season
The same person for the spring failure rush, the summer install season, the frozen months, 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 seasonal digs and slow county reimbursements 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 septic contractors
Heavy equipment, slow county money, frozen ground, route acquisitions. The questions septic and wastewater operators actually ask before they sign anything — answered plainly.
We underwrite the deposits in your business bank account over recent months, which naturally captures both — the steady route collections and the lumpier install billings. Tell your advisor the split and how each side actually pays, because a business collecting daily on a route can carry a different structure than one waiting 60 days on permitted jobs. Most septic operators are somewhere in between, and the repayment should reflect that.
Yes — equipment financing up to $2M, with the equipment itself as collateral. That covers vacuum and pump trucks, excavators and mini excavators, skid steers, dump trucks, jetters, and camera and locating gear. If what you need is a down payment, an emergency pump or hydraulic repair, or a full rebuild on a unit you already own, that's usually working capital instead. Your advisor will tell you which structure costs less for what you're doing.
That's one of the most common reasons septic contractors call us. We don't buy the receivable, so there's no assignment, no notification to the county or the program administrator, and no third party collecting on your behalf — the reimbursement pays exactly the way it was always going to. What we fund is working capital against your overall cash flow, which solves the same problem: work you've completed and haven't been paid for yet.
It's expected in this trade, and it's one of the reasons a direct lender beats a bank here. We underwrite recent deposits with the seasonality in view, and in most septic operations the route keeps collecting through the winter even when the excavators are parked. Tell your advisor when your dig season runs and what winter normally looks like — that context carries real weight in a close file.
Talk to an advisor before you sign anything. Acquiring a book of pumping customers or treatment-system service contracts is a real growth move in this trade, and a term loan is often the right instrument — but the structure depends on the size of the route, how it's priced, and how the seller wants to be paid. Bring the deal to the call early and you'll get an honest read on what's fundable and what isn't.
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 job costing package, no permits or as-builts, no two years of tax returns. Credit is considered, but strong, steady deposits can offset a thinner score on many of our programs.
Yes. Grease trap routes, lift station service, land application, and municipal contracts all pay slowly and on somebody else's approval cycle, which is exactly the timing gap working capital is for. Tell your advisor your mix of residential, commercial, and municipal work — they pay on very different clocks, and the structure should reflect that.
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.
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 isn't a lien on your home, it doesn't take your truck titles, it doesn't stop you from operating, and it's released once the funding is paid off. If an equipment lender already has a filing in place, tell your advisor early so the structure is built around it rather than colliding with it.
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.
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 the truck went down Monday, start Monday, not Thursday afternoon. Larger or more complex requests take a little longer, and your advisor will give you the honest timeline up front.
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.
Know what you can carry — before the truck goes down
About 60 seconds, no obligation, and a dedicated advisor calls you personally — usually the same business day. Get your number before you need it, not the week you do.