Express Capital Funding
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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.

Get fundedStart with the underwriting guide
$250M+
Funded to U.S. businesses
24–48 hours
From approval to funded
4.8★
From 590 reviews
A+
BBB accredited rating

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Funding Guides

Long-form, start-to-finish explanations of how a funding decision actually gets made — written by the people who make them.

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Calculators

Run your own numbers before anyone quotes you. Cost of capital, payment fit, factor rate to APR, and how much your revenue supports.

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Industry Playbooks

Cash-flow rhythm differs by trade. How lenders read construction draws, freight settlements, seasonal HVAC, and more.

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Use Cases

What businesses actually do with working capital — and which structures fit each job without overpaying for the money.

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Case Studies

Worked scenarios: the numbers that come in, the structure that goes out, and what makes the difference.

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Insights

Shorter takes on capital markets, credit conditions, and what we're seeing across thousands of applications.

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Glossary

Plain-English definitions for every term you'll meet in a funding conversation — including the ones nobody explains.

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Guides

Start here

All guides →
Business owner reviewing funding paperwork with an advisor across a desk
UnderwritingApproval

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

Bank statements spread across a desk beside a calculator and reading glasses
PricingFactor rate

The Real Cost of Business Capital, Explained Without the Jargon

Factor rates, APR, total payback, and fees — how to compare offers quoted in different units, and the one number that tells you what money costs.

8 min read

Bank statements spread across a desk beside a calculator and reading glasses
ApplicationDocuments

What You Need to Get Funded (and How to Prepare It)

The short document list a direct lender actually needs, what each is used for, and the preparation steps that turn a three-day file into a same-day decision.

6 min read

Run your own numbers

Calculators

All 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 monthly revenue supports, adjusted for existing open positions and time in business, before you decide what to ask for.

Compare Your Revenue-Based Financing Options

Put every term on one screen: total payback, cost in dollars, the amount leaving your account each day or week, and what share of revenue it consumes.

What Daily Balances Tell an Underwriter

See how an underwriter reads thirty days of bank balances — steady, seasonal, volatile, and negative-day patterns — and why consistency outweighs size.

By trade

How lenders read your kind of cash flow

Construction contractor reviewing plans on an active job site at dawn
ConstructionContractors

Funding for Construction and Contracting Businesses

Why construction cash flow reads differently to an underwriter, how draws and retainage distort your statements, and how to fund materials before you get paid.

6 min read

Semi truck rolling down an interstate at dusk
TruckingFreight

Funding for Trucking, Freight, and Logistics

How settlement cycles, fuel costs, and factoring shape a funding decision — and what carriers should know before adding capital on top of factoring.

5 min read

HVAC technician servicing a rooftop condenser unit
HVACHome services

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

Restaurant owner at the counter of an open kitchen
RestaurantsHospitality

Funding for Restaurants, Bars, and Hospitality

Daily deposits, thin margins, card settlement timing — what a lender sees in a restaurant's statements and which uses of capital return more than they cost.

5 min read

Roofing crew working across a shingled roof under a clear sky
RoofingStorm season

Roofing Contractor Business Funding

How storm-season readiness and insurance-claim timing shape a roofer's cash flow — and how contractors fund crews and materials before the carrier pays.

6 min read

Electrician testing a breaker at an open residential panel, service van in the background
PlumbingElectrical

Plumbing & Electrical Contractor Funding

Service calls pay at the door; install jobs pay on terms. How plumbing and electrical contractors fund parts inventory, van repairs, and the net-30 gap.

6 min read

Landscaping crew loading a zero-turn mower onto a trailer at dawn
LandscapingSnow removal

Landscaping & Snow Removal Business Funding

How a lender reads a landscaping-and-snow file: the two shoulder-month gaps, what capital funds well in a counter-seasonal year, and when it doesn't.

7 min read

Shop owner walking a light-manufacturing floor with a clipboard beside palletized cartons
ManufacturingWholesale

Manufacturing & Wholesale Working Capital

How the PO-to-payment cycle shapes funding for manufacturers and wholesalers — bridging materials, payroll, and inventory bought months before invoices pay.

6 min read

Row of semi trucks parked at a fuel stop at first light
Roofing crew tearing off and re-decking the roof of a two-story house
HVAC technician servicing rooftop package units on a commercial building
Landscaping crew loading a zero-turn mower onto a trailer at sunrise

The trades we fund every week.

Express Capital Funding · Direct lender

See what your revenue supports

We underwrite in-house and fund from our own balance sheet. $250,000+ in yearly revenue, 1+ year in business, and a 580+ credit score is the gate — a decision the same day, funding in as little as 24–48 hours.

Start your application

4.8★ from 590 reviews · A+ BBB accredited · $250M+ funded

Latest

Recently published

Printed financial statements, a calculator, reading glasses and a pen spread across a wooden desk
MobilizationWorking capital

Mobilization Costs vs Working Capital: Which Gap Are You Funding?

A mobilization gap is one job's front-end hole; a working-capital shortfall runs through the whole business. How to tell which you have and how to size each.

7 min read

Stone columns and wide stone steps of a civic building, with a brick building across the street and a work pickup parked at the curb in evening light
MasonryConstruction

Masonry Contractor Business Funding

How masonry contractors fund brick deposits, crew payroll and cold-weather protection before pay apps clear, and when funding through winter is the wrong move.

7 min read

Excavator digging a utility trench beside a trench box on a muddy suburban site while a worker in a hi-vis vest stands well back
ExcavationSite work

Excavation and Site Work Contractor Funding

How excavation and site work contractors fund fuel, rentals, hauling and payroll before the first pay estimate, and why buying the machine is a different job.

8 min read

Flooring installer kneeling to fit vinyl plank flooring in an empty new-construction room
FlooringTile

Flooring and Tile Contractor Funding

How flooring and tile contractors fund special-order material, supplier deposits, and crew pay when install comes late in the build and payment later still.

6 min read

Glossary

Every term, in plain English

All 48 terms →

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.