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