Published by a direct lender
How business capital actually works — from the people who underwrite it.
Guides, calculators, industry playbooks, and plain-English definitions. No hedging, no filler, and no pretending the answer is always yes.
- $250M+
- Funded to U.S. businesses
- 24–48 hours
- From approval to funded
- 4.8★
- From 579 reviews
- A+
- BBB accredited rating
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Where do you want to start?
Funding Guides
Long-form, start-to-finish explanations of how a funding decision actually gets made — written by the people who make them.
Explore →Calculators
Run your own numbers before anyone quotes you. Cost of capital, payment fit, factor rate to APR, and how much your revenue supports.
Explore →Industry Playbooks
Cash-flow rhythm differs by trade. How lenders read construction draws, freight settlements, seasonal HVAC, and more.
Explore →Use Cases
What businesses actually do with working capital — and which structures fit each job without overpaying for the money.
Explore →Case Studies
Worked scenarios: the numbers that come in, the structure that goes out, and what makes the difference.
Explore →Insights
Shorter takes on capital markets, credit conditions, and what we're seeing across thousands of applications.
Explore →Glossary
Plain-English definitions for every term you'll meet in a funding conversation — including the ones nobody explains.
Explore →Guides
Start here
How a Business Funding Decision Actually Gets Made
What a direct lender looks at, in what order, and why two businesses with the same credit score get different answers. A walkthrough of real underwriting logic.
9 min read
The Real Cost of Business Capital, Explained Without the Jargon
Factor rates, APR, total payback, and fees — how to compare offers that are quoted in different units, and the one number that actually tells you what money costs.
8 min read
What You Need to Get Funded (and How to Prepare It)
The short document list a direct lender actually needs, what each one is used for, and the small preparation steps that turn a three-day file into a same-day decision.
6 min read
Run your own numbers
Calculators
Cost of Capital Calculator
Enter a funded amount and factor rate to see total payback, your cost in dollars, the payment, and the true multiplier after anything withheld at funding.
Factor Rate to APR Converter
Convert a factor rate into an approximate APR over any term, so you can compare a fixed-cost offer against an interest-bearing one on a common basis.
Payment Fit Calculator
Work out what a facility's periodic payment would be, what share of your revenue it consumes, and whether it stays comfortable in your slowest month.
How Much Funding Can My Business Get?
Estimate the funding range your revenue supports, adjusted for existing open positions and time in business.
By trade
How lenders read your kind of cash flow
Funding for Construction and Contracting Businesses
Why construction cash flow reads differently to an underwriter, how draw schedules and retainage distort your statements, and how to fund materials before you get paid.
6 min read
Funding for Trucking, Freight, and Logistics
How settlement cycles, fuel costs, and factoring interact with a funding decision — and what carriers should know before adding capital on top of a factoring arrangement.
5 min read
Funding for HVAC, Plumbing, and Home Services
Seasonality is the defining feature of home services cash flow. How to fund the pre-season build and stop the shoulder months from eating the peak.
5 min read
Funding for Restaurants, Bars, and Hospitality
Daily deposits, thin margins, and card settlement timing — what a lender sees in a restaurant's statements and which uses of capital actually return more than they cost.
5 min read
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $10,000+ in monthly revenue and 6+ months in business is the gate — a decision the same day, funding in as little as 24–48 hours.
4.8★ from 579 reviews · A+ BBB accredited · $250M+ funded
Latest
Recently published
Apply While You're Strong, Not While You're Stuck
Funding is underwritten on the file you present the day you apply. That makes timing a variable most owners never think to manage.
4 min read
Seven Questions to Ask Before You Sign a Funding Agreement
A short list that surfaces almost everything worth knowing about a funding offer — and one that any straight operation will answer without hesitation.
4 min read
The Stacking Trap: How a Cash-Flow Gap Becomes a Structural One
Taking a second advance to cover the first is the most reliable way to turn a solvable problem into a permanent one. Why it happens and how to get out.
5 min read
Why Two Businesses With the Same Revenue Get Different Approvals
Same revenue, same industry, same credit band — different answers. The variables that actually separate two apparently identical files.
5 min read
Glossary
Every term, in plain English
Factor rate
A factor rate is a fixed multiplier applied to the funded amount that determines total repayment — a 1.10 factor on $100,000 means repaying $110,000.
Total payback
Total payback is the sum of every dollar you repay across the full term, and it is the only figure that compares funding offers fairly across different pricing units.
APR (annual percentage rate)
APR expresses the cost of capital as an annualized percentage, allowing facilities of different lengths to be compared on a common basis.
Working capital
Working capital is the money a business uses to cover day-to-day operations — and, as a funding product, short-term capital repaid out of ongoing revenue.
Stacking
Stacking is taking on an additional advance while others remain outstanding, typically to cover their payments — a pattern that compounds rather than resolves a cash-flow gap.
Positions (open positions)
A position is an existing loan or advance with a recurring payment; the number you carry determines how much of your cash flow is still available to service new capital.