Process
Direct lender
Definition
A direct lender underwrites and funds with its own capital, rather than submitting applications to third-party funders for a commission.
The practical consequences are speed — no submission round trip — a single party holding your information rather than a panel, no broker commission in the pricing, and a decision-maker you can actually reach if a structure needs adjusting mid-term.
The distinguishing question is simple: are you funding this yourself, or submitting it elsewhere?
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.
4.8★ from 590 reviews · A+ BBB accredited · $250M+ funded