Working Capital Loans

What is a working capital loan? Financing for the everyday operations of your company.

A contractor doesn’t need a long-term debt when a short-term solution is required. Working capital is the solution of choice for contractors as it covers accounts payable, wages, short-term cash flow gaps, materials, and more. Typically used in a short-term arrangement, most working capital loans are outlined for a period between 1-18 months. At Express Capital, we will help you determine the best funding solution for your cash flow gaps, and bridge them with a working capital loan.

Equipment Financing

Whether you're adding to your existing equipment and tools or replacing outdated trucks, our commercial truck and trailer financing programs provide solutions for all of your funding needs. At Express Capital, we will help you determine the best financing solution.

With nearly 20 years of equipment financing experience we are able to provide you with short or long-term funding options. Your trucking company can be approved within 2 hours and funding within 24 hours. Our dedicated representatives are here to help you get the right equipment for your business.

Why Express Capital

Your construction company needs a lender who understands your business. With over 20 years in the financial sector, we have studied the funding needs that contractors and construction companies require. We learned that businesses need access to credit that is fast, flexible and easy to obtain.

As you may have already experienced, 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.

Our dedicated specialist can work with you to put together the best lending option that will promote growth for your business - not long-term debt.

 

Customized Loans for the Contractor & Construction Industry

We understand the demands of the industry. A customized loan for contractors means we can do the following for your business:

We're flexible.

We give you the flexibility to borrow the amount needed in a time frame that makes sense to your business, with payment terms that will fit the ever-changing demands of your industry.

Our process is simple.

We know that complicated and drawn-out application processes can negatively affect your business operations and interrupt your projects. We offer a short application (only one-half of a page) and same-day funding to make it easy for you. With an Express Capital loan, we allow you to take out additional funds or pay the loan off early without penalties or extra fees. 

IMG_Wheel_money.jpg

Up to $150,000

same day funding

Same Day Funding

early discounts

Incentive Discounts for Early Payoff

calendar

1 - 18 Month Terms

Repayment

Repayment is Daily or Weekly

A+ Rating by BBB

BBB A+ Rating

 

Common Uses of Working Capital

 

Advertising

Advertising

icon_debt.png

Payoff Debt

New Project

New Project/Jobs

 

Purchas Inventory

Purchase Material

icon_snowflake_98x.png

Seasonal Fluctuations

Complete a Job

Complete a Job

 

Payroll

Make Payroll

Icon_building_v2.png

Facility Expansion

Additional Staff

Additional Staff

Here at Express Capital, there are few, if any, restrictions on how you use the working capital loan for your business. Our goal is simply to help you receive the funds needed to improve your operations and conduct activities that will increase your revenue

 Speak to a Specialist for More Information.

It's Simple to Qualify for a Business Loan
Process takes only 2 hours!

Icon_calc_white.png

APPLICATION PROCESS

Bank Statements & 1/2 Page Application. Every application is analyzed manually and the principle amount is determined.

 

 

 

arrow

icon_phone_100x.png

PHONE INTERVIEW

Our credit team assesses the application to determine if a working capital loan is a good fit for your business.

 

 

 

arrow

Icon_Paper_100x.png

DOCUMENT PREPARATION

Funding documentation is prepared and sent. Once executed, funds are wired.

Let’s face it, the key to any successful business is sales. To compete in this competitive market, a sales strategy is necessary. The bigger guys spend 25% of their time getting new customers by focusing on generating new projects and leveraging the current customer base. Know the top five revenue tips that are doable for any size contracting business. Get the best ways to build your business revenue.

Lenders love when a business owner is very detailed about how they plan to use the money. If you want to prepare for success in a quick application process. Take a look at these examples of common ways people use their borrowed capital. Chances are that you can benefit from at least one category. Find the part of your business that needs financing.

Get Started! Recieve Your Free Quote. 

Receive a free quote with no obligation. Find the best lending solution for your small business.


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.

  Contact us at 1-800-301-9149