Small Business Lending for Working Capital Needs

No collateral required.
Short-term options available.
Direct lender - no broker fees.
No prepayment penalties.
Low cost customizable programs.
A+ rating on BBB.

Express Capital makes the borrowing process simple, fast and transparent for businesses nationwide.

Get an Instant Quote Sent to Your Inbox!

Simple & Quick Capital Loans

It’s important to sustain the financial health of your business -- and a working capital loan may be the key. We are committed to helping our customers and are constantly adapting to meet the ever-changing industry landscape.

With over 20 years in the financial sector, Express Capital has carefully studied the funding needs that most small businesses require. We know that businesses need access to credit that is fast, flexible and easy to obtain.

We understand that starting or completing a job, waiting on a check or working multiple projects at once often causes instability to your cash flow. For that reason, we have designed a short-term working capital line of credit to solve these cash flow issues.

With a quick and simple application process, funding is available the same-day.

There is a better working capital loan for you

Amount

Up To $150,000

Term Length

1 - 12 Months

Rates

Fixed Fee as low as 5.9%

Funding Speed

As Fast As Same Day

What Customers Are Saying

It is great to work with someone that is always prompt, honest, and professional. The service provided is priceless as someone is always available and they understand and meet the urgency in my needs for funding.

Peggy – California

CONSTRUCTION INDUSTRY

I am very happy with the service and expediency Express Capital provided me in funding a loan for my company. I was approved an hour later and then signed the agreement. The money was in my account the next morning! As promised, it was a no hassle quick loan process – thank you.

John – Arizona

CONTRACTOR

I have been doing business with Express Capital Funding for three years. Their customer service has been extremely personal and understanding to my needs.

Keith - New Hampshire

CONTRACTOR

The transaction was handled with great speed and professionalism. After speaking with my dedicated loan representative for over a year, I landed a big job and was able to get the funding I needed the next day. I look forward to building a long relationship with them.

Val – West Virginia

CONSTRUCTION INDUSTRY

Programs Featured In

Get approved and funded in 2 hours

Tell Us About Your Business

Complete our online
form or call us to discuss
your funding needs.

Fill Out One Page Application

Complete our short one page application and provide us with your last 6 months business bank statements.

Get Approved in Minutes

We will contact you to discuss terms and options.

Sign Documents & Get Funded!

We ACH the funds directly into your company’s bank account.

Industries We Serve

Small Business

Construction & Contractors

Financial Resources for Small Business

10 Questions to Ask When Applying for a Working Capital Loan

When looking for a short-term business working capital loan, it's important to ask good questions to save you tons of money, time and the extra headaches. Let’s start with some questions you should ask yourself before you choose a lender. Learn the 10 questions to ask >

How We Can Help Build Your Business Credit

Many contractors make critical mistakes when building business credit --often without realizing it. Whether your company is a repair business or a multiple-office general contracting firm, it needs cash to grow. Read more on 4 Tips to build your business credit. Read more about building business credit >

Get Started Today!

Working Capital Solutions for Small Business. Get Pre-Approved Today!

Minimum Requirements

To qualify for a small business loan, your business needs to be at least a year old. You should have revenues of $90,000 annually or $7,500 per month over the last three months.