| Takeaway | Details |
|---|---|
| 🏢 What Express Capital Funding Is | A direct lender providing working capital loans and lines of credit to businesses nationwide, operating since 2013. |
| ⚡ Fast Funding | Known for same-day approvals and funding, making it useful for urgent expenses, payroll, or cash flow gaps. |
| 💳 Flexible Qualifications | Works with businesses that banks often reject; approvals are based on the business’s story—not just credit scores. |
| 📈 Builds Business Credit | Reports payment activity to business credit bureaus, helping responsible borrowers strengthen their credit profile. |
| 💰 Competitive Costs | Rates are advertised as low as 5.9%; there are no broker fees or prepayment penalties, since Express Capital Funding is a direct lender. |
| 🌐 Limited Public Information | The website provides minimal details on rates, terms, or product specifics, requiring business owners to contact the team directly. |
| ⭐ Customer Reviews | Generally positive, with a 4.8/5 Trustpilot rating, strong praise for service and communication, and high renewal rates. |
| 📊 UCS Rating | 4.2 out of 5 — strong option with fast funding and good reviews, but lacks long-term financing and could offer more transparency. |
Traditional banks continue to tighten their credit requirements, leaving many small business owners without access to the working capital they need to operate and grow. Long approval timelines, heavy documentation demands, and rigid underwriting criteria push business owners to explore alternative business funding sources. As a result, nonbank lenders like Express Capital Funding have become increasingly popular for their streamlined applications, accessible eligibility standards, and fast funding.
However, while alternative financing can be a lifeline for working capital management, it’s essential for business owners to carefully evaluate any lender before moving forward. Understanding how a lender operates, what it costs, and what customers are saying can help ensure the funding choice is the right fit.
In this review, we’ll explore how Express Capital Funding works to help you decide if it’s right for your business. Specifically, we’ll answer these questions and more:
Express Capital Funding is a direct lender offering same-day business funding nationwide. The company specializes in working capital solutions designed to help small business owners manage cash flow, cover unexpected expenses, capitalize on opportunities, and keep day-to-day operations running smoothly. Express Capital Funding has been in operation since 2013, indicating a long-standing presence in the market.
Headquartered in Anaheim, California, the company services businesses nationwide. It provides financing options across many industries, including construction, retail, restaurants, transportation, healthcare, and professional services. Its mission is to make the borrowing process simple for clients by providing clear communication, excellent service, and fast business funding.
Express Capital Funding offers personalized service and solutions tailored to businesses, even those rejected by traditional banks due to poor credit or lack of collateral. The company promotes a simple process and a commitment to helping business owners navigate challenges and access the resources needed to fuel business growth and expansion. Express Capital Funding is known for its fast funding, typically providing funds within one business day.
Express Capital Funding provides short-term business funding solutions to quickly bridge cash flow gaps. The company markets a straightforward, stress-free borrowing experience with clear communication and strong follow-through from its team.
The application process for working capital loans at Express Capital Funding is often less involved than for longer-term financing options. Instead of relying solely on credit scores, Express Capital Funding evaluates each loan application on its merits, considering the business’s story and circumstances.
This approach helps many clients who may struggle with traditional lenders obtain the funding they need. Express Capital Funding is committed to transparency and clear communication throughout the loan process, helping business owners know what to expect at every step.
Express Capital Funding offers working capital loans and lines of credit to help businesses access short-term funding quickly. Terms go from 1-12 months, and business loan interest rates start at 5.9%. These business loans can cover payroll, inventory, repairs, emergency expenses, or growth opportunities.
Funding amounts vary based on revenue, cash flow, and financial performance. As a direct lender, Express Capital Funding sets its own terms and underwriting guidelines, which may offer greater flexibility than those of other lenders or banks.
To qualify for a working capital loan from Express Capital Funding, a business should be US-based, have been in operation for at least 6 months, and generate $90,000 or more in annual revenue. The lender doesn’t set a minimum business loan credit score requirement.
Additional factors—such as cash flow stability, average daily bank balance, and account activity—play an essential role in the approval decision. While credit is considered, Express Capital Funding often works with borrowers who may not meet typical bank credit criteria, including those with bad credit.
Express Capital Funding operates as a direct lender, providing true business loans rather than merchant cash advances. Unlike business cash advances—where repayment is tied to receivables and daily sales—business loans offer fixed repayment structures and clearer expectations around costs and terms. This can give business owners more confidence in planning and managing future expenses. Its loans are available in all 50 states.
The company does not specify publicly whether it uses soft or hard credit pulls during underwriting. Because we couldn’t verify this information, business owners should contact the company directly for a clear answer.
Express Capital Funding reports payment activity to business credit bureaus, allowing clients to build business credit with consistent, on-time payments. However, missed payments or delinquencies could negatively impact a company’s credit profile.
The company claims to offer competitive rates as low as 5.9%, though actual interest and funding costs depend on factors such as credit history, cash flow, revenue, and overall financial performance. Because Express Capital is a direct lender, there are no broker fees, and it does not charge prepayment penalties, allowing businesses to pay off loans early without additional costs.
While the company promotes fast funding and excellent service, its website offers limited information about products, rates, and underwriting guidelines. This lack of transparency may require business owners to request details over the phone.
Most new clients of Express Capital Funding receive their funds on the same business day as approval. Over 90% of customers at Express Capital Funding choose to renew their loans, indicating high customer satisfaction and trust in the service.
There is confusion surrounding Express Capital Funding due to similarly named lenders, and care is advised to ensure dealing with the correct entity. Express Capital Funding is generally regarded as a trustworthy and well-regarded company, despite some negative feedback. Express Capital Funding has received feedback indicating that they monitor customer reviews and are responsive to client concerns.
We couldn’t find information regarding a business loan affiliate program with Express Capital Funding. ISOs and business loan brokers can try contacting the company directly, but may need to find a different referral partner.
Express Capital Funding offers a simple small business loan application process that typically takes only a few minutes. Applicants can complete the initial form online or speak with a representative. The process is designed to be fast, straightforward, and stress-free, with clear communication from the company’s team.
Business owners begin by completing a short online form with basic company details, contact information, and funding needs. Supporting documents such as bank statements may be required.
A funding specialist contacts the applicant to review the business’s goals, answer questions, and clarify available options.
Express Capital Funding evaluates revenue, account activity, credit factors, and overall financial health to determine approval and funding amounts.
Once approved, the company provides a clear offer outlining the loan amount, terms, cost, and repayment details.
Upon acceptance, Express Capital makes same-day funding available in most cases.
After funding, businesses repay their loan through automated electronic withdrawals. Payments for loans from Express Capital Funding are collected electronically from the business’s bank account daily or weekly, depending on the program.
Terms typically extend from 1 to 12 months. Borrowers benefit from no prepayment penalty, making early payoff a cost-saving option. Renewal opportunities are generally available for companies in good standing that have repaid at least 50% of their balance.
Express Capital Funding offers fast funding, simple applications, and accessible eligibility criteria, making it an attractive choice for small business owners who need quick working capital. As a direct lender, the company avoids broker fees and provides competitive rates starting as low as 5.9%. Many customers highlight the professionalism, clear communication, excellent service, and follow-through from the Express Capital Funding team.
Same-day approval and funding options help businesses manage emergencies, payroll, and expansion projects. The company’s personalized approach considers more than just credit scores, opening the door to clients who may struggle to obtain financing from banks or other lenders. Reporting to business credit bureaus also allows business owners to build credit with a positive payment history.
Despite its benefits, Express Capital Funding has some drawbacks. The website provides limited information on funding options, terms, and required financial documents, leaving applicants unsure of what to expect before contacting the organization.
The company focuses primarily on short-term working capital rather than long-term financing, which may not meet every business’s needs. There is also occasional confusion with similarly named lenders, requiring business owners to pay close attention to ensure they’re working with the correct company.
Some customers note inconsistent communication or unclear expectations, although the company appears responsive to resolving concerns. Costs may also be higher than traditional bank loans, depending on the business’s credit and revenue profile.
Pros:
Cons:
Yes, Express Capital Funding is a legitimate business lender. The company has been operating since 2013, maintains an active online presence, and has verifiable reviews across major platforms.
Express Capital Funding’s domain has been active for a significant period, suggesting stability and reliability in the digital space. Customer responses indicate the company delivers on its same-day funding claims and maintains a responsive support team.
Express Capital Funding has primarily positive reviews. The lender has a Trustpilot rating of 4.8 out of 5, indicating high customer satisfaction.
Positive reviews often mention excellent service, respectful representatives, and the company’s commitment to helping clients get approved quickly. Many customers describe the process as smooth, stress-free, and efficient. Repeat clients emphasize their confidence in the lender, noting the follow-through and consistent communication from beginning to end.
Customer reviews for Express Capital Funding generally highlight fast funding, helpful communication, and positive experiences with the company’s team. Many small business owners praise the professionalism, support, and clarity provided throughout the borrowing process.
Negative reviews tend to focus on unclear expectations, misunderstandings about repayment, or challenges contacting the company during busy periods. Some businesses are confused by similarly named lenders or inconsistent website information. However, Express Capital Funding appears responsive to concerns and actively monitors feedback to address issues.
Express Capital Funding may deny an application for various reasons, including a low credit score, inconsistent cash flow, or insufficient time in business. If declined, the denial letter should explain why. If not, or if you need more information, contact the lender directly.
Fortunately, small business owners may have many lender options to consider if Express Capital Funding doesn’t work for them. Many lenders offer similar short-term working capital loans along with other medium- and long-term financing options.
Working with a small business loan marketplace like United Capital Source allows you to apply to a network of lenders with a single application and receive multiple offers. You can then get guided support in choosing the best small business loan for your needs.
You may be interested in one of the following small business loans:
Express Capital Funding is a strong option for small business owners who need fast working capital, simple applications, and responsive service. The company’s flexible underwriting and same-day funding can help bridge cash flow gaps, manage emergencies, or support short-term projects. Businesses with consistent revenue but limited credit history may find this lender especially helpful.
However, companies seeking long-term financing, detailed transparency online, or lower-cost bank-style loans may want to explore other financing options. As with any working capital lender, it’s essential to read all terms carefully and ensure the repayment structure fits your cash flow.
Based on the available information, we rate Express Capital Funding 4.2 out of 5. It’s a solid option with reasonable rates and reviews, but it lacks a long-term financing option and could use more transparency.
Disclaimer: The Express Capital Funding trademark is owned by Express Capital Funding, Inc., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Express Capital Funding, Inc.
