Express Capital Funding Reviews 

About Express Capital Funding

Express Capital Funding is a direct lender providing fast, flexible working capital solutions to small and mid-sized businesses across the United States. Headquartered in Anaheim, California, and in operation since 2013, Express Capital Funding has built a trusted reputation as a go-to alternative to traditional bank financing — helping thousands of business owners get the funding they need, when they need it most.

What We Do

We specialize in short-term working capital loans and lines of credit designed to keep your business moving. Whether you need to cover payroll, fund a new project, purchase inventory, manage cash flow, handle emergency expenses, or seize a growth opportunity, Express Capital Funding delivers same-day funding so you never have to put your business on hold.

Funding amounts are tailored to your business's revenue, cash flow, and financial performance — not rigid, one-size-fits-all bank criteria.

Industries We Serve

Express Capital Funding works with businesses across a wide range of industries, including:

• Construction & Contracting
• Retail & E-Commerce
• Restaurants & Food Service
• Transportation & Logistics
• Healthcare & Medical Practices
• Professional Services
• And many more

Why Business Owners Choose Express Capital Funding

🏦 Direct Lender — We are not a broker. As a direct lender, we set our own terms and underwriting guidelines, giving us the flexibility to work with businesses that traditional banks and brokers often turn away.

⚡ Same-Day Funding — Apply in minutes. Once approved, funds are deposited the same business day so you can get back to running your business without delays.

📋 Simple Application Process — No lengthy paperwork, no business plan required, no collateral necessary. Just provide your last 6 months of business bank statements and we'll handle the rest.

✅ Accessible Eligibility — We evaluate each application on its own merits. If your business has been operating for at least 6 months and generates $90,000 or more in annual revenue, you may qualify — even with imperfect credit. We look at the full picture of your business, not just a credit score.

🤝 Personalized Service — Every client is paired with a dedicated Funding Specialist who provides expert guidance, clear communication, and transparent terms from application through funding. No surprises, no runaround.

💼 Built for Small Business — We understand the real challenges small business owners face. When banks say no, Express Capital Funding finds a way to say yes.

Get Funded Today

Ready to access the working capital your business deserves? Call us at (800) 301-9149 or apply online at expresscapital.com. Approvals are fast, funding is same-day, and our team is standing by to help.

Express Capital Funding — Small Business Lending Simplified.