Guides
Funding Guides
Long-form, start-to-finish explanations of how a funding decision actually gets made — written by the people who make them.
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
Working Capital, Term Loan, Line of Credit, or Equipment Finance?
Four structures, four different jobs. How to tell which one fits what you are funding — and what it costs you to choose wrong.
7 min read
Direct Lender vs Broker: Why It Changes What You Get
What actually happens to your application at a broker versus a direct lender — and why the difference shows up in your speed, your pricing, and how many people see your file.
6 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