Designed to Solve Cash Flow Needs

Express Captial provides short-term funding to help cover expenses by infusing cash into your business. As a direct lender, Express Capital has studied the funding needs that most small businesses require.

We learned that a small business needs a capital loan that is easy to obtain, flexible and cost effective that can handle fast funding when getting into a cash flow pinch.

Working Capital Solutions that Work for Your Business

early discounts

Incentive Discounts for Early Payoff


1 - 12 Month Terms


Up to $150,000


Repayment is Daily or Weekly

 Speak to a Specialist to get funding today.

Use Your Funding How You See Fit

There are few, if any, restrictions on how you use your business loan. We just want you to use the funds to maintain your operations and conduct activities that will increase your opportunities for revenue.


Seasonal Fluctuations

Additional Staff

Additional Staff

Complete a Job

Complete a Job


Make Payroll


Facility Expansion

Purchas Inventory

Purchasing Inventory




Payoff Debt



Short-Term  1-12 months 1-5 years 6-18 months
Transaction Type True business loan True business loan Purchase of future receivables (factoring)
Dedicated Rep Yes No No
Rates/Cost As low as 5.9% Variable Avg 25-54%
Application Process 1 hour  Several weeks 24-48 hours
Collateral No Yes Yes (blanket lien)
Pre-Payment Penalty No Yes Yes

Broker Fees / Costs (Points Charged)

No Yes Yes
Direct Lender Yes Yes You never know...
funding comparison table

To prepare for success, look at these examples of common ways people use their borrowed capital. Chances are that you can benefit from at least one category. 7 Ways to Use a Working Capital Loan for a Small Business

Customer Experience

quote_200x185_0b4999.png I was pleased both times that I used Express Capital for my short-term working capital loans. 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 - Construction

quote_200x185_0b4999.png I am very happy with the service and expediency Express Capital provided me in funding a loan for my company. I was approved in an hour and then signed the agreement. The money was in my account the next morning! As promised, it was a no hassle quick loan process.

John - Plumber

It's Simple to Qualify

All in 2 hours!

Application Process


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







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







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

Get Started Today!

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