Process
Soft pull vs hard pull
Definition
A soft credit inquiry does not affect your credit score and is used for preliminary review; a hard inquiry is recorded on your report and can affect it slightly.
Preliminary funding reviews commonly use a soft inquiry. A hard pull, where one is needed at all, occurs later and should be disclosed before it happens.
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