Frequently Asked Questions (FAQs)

Express Capital Funding, Inc. is faster than a bank, and more flexible than other other working capital lender. Unlike banks and lenders, we can deliver a decision in minutes. We can also establish a line of credit that you can draw upon as you need it, so you are only paying interest on the money you use. There are also no pre-payment penalties, so if you only need the working capital for 30 days, you won't be responsible for paying all the interest for the entire term of the loan. 

Applying for a working capital loan is simple and typically only takes a few minutes. You can apply over the phone by calling (800)301-9149 or by sending in the completed application by fax or email. 

To qualify for a loan, your business should be US based, have 6 months' time in business and $90,000+ in annual revenue. 

Decisions are based on the analysis of your bank statements, company profile and personal credit history. We will make sure to give you multiple options and advice for what suits your business best. 

In these times, we know that many good, hardworking people can have bad credit. We evaluate every application on its merits. We listen to your story and see how we might help you and your business succeed. 

We issue approvals within minutes of your submission. We fund most new clients in the same business day. 

We collect payments electronically from your business bank account daily or weekly depending on the program. Daily and weekly payments are proven to prevent the negative effect on cash flow caused by larger monthly payments. 

Most of our customers recognize the value of having working capital available when they need it. That is why over 90% of our customers renew with us. The general rule of thumb is that if the customer has performed as expected and has paid back approximately  50% of their balance they can easily apply for additional funding. We can add a second loan at any time or you can restructure the first loan and take out additional funding. 

Working capital loans for small business needs are ideal for situations when you’re short on capital because of a temporary and identifiable issue. Working capital loans are often best-suited for supplementing seasonal slowdowns or large one-time purchases. Some examples of uses for working capital loans would be for Slow seasons, Large orders, Economic downturn and Business growth.

EPC loans typically have a fast time to funding and you will usually receive your money within one business day. In addition, the application process for working capital loans is often less involved than it would be for longer-term financing.

Determining how much working capital you need would require you to make accurate financial projections. Consider your monthly  cash flow and factor in any upcoming changes, such as a drop-in customers or new contracts with clients. These calculations should indicate how wide of a gap you can expect in your working capital.

A working capital loan is a loan designed for businesses looking to fund short-term operational needs. 

Offers are typically valid until 3^rd of the next calendar month and can be renewed with an updated bank statement and credit profile (All of which must be acceptable and in good standing).

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