Fast Funding
- Apply online in minutes
- Funds deposited as soon as the same day
How Businesses Use Working Capital
A working capital loan works best for near-term needs, not long-term asset purchases.
Cover Payroll in Slow Months
Keep your team paid and operations running through seasonal dips without touching your cash reserves.
Stock Up Ahead of Demand
Buy inventory in bulk to capture volume discounts and be ready when a busy season or big order hits.
Say Yes to New Contracts
Fund the upfront costs of a new contract or project so you are never turning away growth for lack of cash.
Get Funded in Three Simple Steps
1
Complete Online Application
Apply in minutes and provide your last 6 months of business bank statements.
2
Get an Approval in Minutes
Your dedicated Funding Advisor calls to walk through terms and options that fit your business.
3
Receive Your Funds Today
E-sign your documents and we ACH the funds — as soon as the same day.
Why Express Capital Funding
Trusted Partner
Over $250M funded to more than 5,000 small businesses nationwide.
Simple Process
No-cost, no-obligation application with minimal paperwork.
A Dedicated Advisor
One point of contact who knows your file and your industry.
High Approval Rates
Even if a bank has turned you down, we may still be able to help.
Transparent Terms
Clear pricing with no hidden fees, explained before you sign.
We Know Your Industry
12+ years funding construction, transportation, retail, and more.
Customer Reviews
"We needed capital quickly to take advantage of a bulk inventory opportunity. Got funded in 24 hours! Couldn't be happier."
Michael Chen
"Express Capital helped us expand our restaurant when traditional banks turned us down. The process was incredibly fast and easy!"
Sarah Johnson
Frequently Asked Questions
What is a working capital loan?
A working capital loan is short-term financing used to cover everyday business expenses — payroll, rent, inventory, or supplies — rather than long-term investments like real estate. It's repaid over a short term, typically 3 to 18 months.
How fast can I get funded?
Most applications are reviewed the same day, and once approved, funds are typically deposited within 24 hours. Some approvals are same-day.
Do I need collateral or perfect credit?
No. Working capital loans through Express Capital Funding are unsecured and approval is based primarily on your business's revenue and bank history, not personal credit alone or pledged assets.
How much can I qualify for?
Funding amounts generally range up to $1,000,000, depending on your average monthly revenue, time in business, and overall financial profile.
What can I use working capital for?
Working capital is flexible — common uses include payroll, inventory purchases, marketing campaigns, unexpected repairs, or simply smoothing out cash flow during a slow period.
Will applying affect my credit score?
No. Checking your eligibility and reviewing your options does not impact your personal credit score.
Ready to Cover What's Next?
Count on Express Capital Funding as your trusted partner in financing. We're committed to facilitating your working capital and growth needs.
Apply Now