Small business loans online: simplified funding you can trust
Find out how much you qualify for. Applying will not hurt your credit score. Do you meet the requirements?
Must be operating in theUnited States
6+ months timein business
$15,000+inmonthly revenue**
To deposit revenue in abusiness bank account
A credit score of500+
Get started
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Keep up with customer demand and business growth, all while protecting what you’ve achieved, with funding when you need it. You never have to go through the application process again.
Your funding is ready
Access revolving credit, once you’re approved
Lower rates than credit cards
The funds are there for you as long as you need them
Don’t pay for funding you’re not using
Withdraw the precise amount you need, as soon as the opportunity arrives
Never pay interest on unused funds
No mandatory monthly payments
Business line of credit*
Use your funding the way you need to—follow your business plan, rather than be dictated by strings attached to funds.
The right loans for small business growth
Working capital loan
Get business loans that work for you
These short-term loans arethe fastest business loansthat stabilize your cash flow and meet immediate business needs.
Working capital loansare perfect for businesses with steady revenue. They are ideal for business owners who need flexible, short-term funding without the hassle.
Merchant cash advancesare perfect for businesses with seasonal and fluctuating revenue. We don’t just look at your P&L, we look at your business’s potential.
Pay what you can afford
Remittances are based on actual or anticipated daily credit and debit card sales, meaning you don’t have to choke your cash flow on fixed monthly payments.
This short-term, specific loan handles your equipment repair, replacement, or purchase. We’ll help keep you moving without the headache of running your numbers one more time.
Long-term business loan
Designed for business owners with a proven track record of success and financial security, this is the loan you need to create the business you’ve always envisioned.
Small business financing
We’re invested in your success as a small business owner. We have loan programs made to help you succeed and grow into the future.
Get the best small business loantodaythat lets you grow, not owe
Flexible small business loans
Borrowing more than enough capital can often be just as stressful as not having enough. We’ll help you get a small business loan that’s right for you.
You’re more than a credit score
Turned down by the banks for a loan for your small business? We know the right help at the right time can mean everything to a small business owner.
Secure the business capital you need for success with a merchant cash advance.
Equipment financing
Get the equipment you need without hurting cash flow with this small business financing option.
Long-term business loans
Meet your goals with this convenient loan.
All small business financing options
Browse all our small business loans online and financing options.
Experience the Express Commercial Capital
Advantage
See the ease and speed of working with an innovative alternative lender when you apply for business financing with Express Commercial Capital.
Flexible financing with a data-driven approach
We know a credit score doesn’t always paint a full picture of your business. At Express Commercial Capital, we use data science to better evaluate your business as a whole.
Fast and secure financing made easy for you
Our state-of-the-art online checkout empowers eligible customers to complete the funding process securely and on their own time.
Tailored to your short-term needs and long-term goals
Get a small business loan that meets your unique needs. Choose from one of the widest range of loan programs.
Work with a dedicated loan officer
Get support when you apply for small business loans online. We’ll help you compare and apply for working capital loans and other financing options that fit your needs.
How to apply for small business loans online
Step 1
Pre-qualify online
Click the “Get Started” button, enter some basic business information, and pre-qualify for small business loans online.
Step 2
Approval in less than 2 hours
Once approved, a small business loan advisor will reach out to you with the options you qualify for and help you choose the best business loan or financing product for your situation.
Step 3
Receive same-day funding
Funds are deposited directly into your bank account so you can use your funding immediately. Automatic daily and weekly payment and remittance options are available.
Why Express Commercial Capital
is the right choice for an online business loan
Express Commercial Capital’s mission is to provide small and medium-sized businesses like yours with streamlined access to the funding you need to operate and grow.
Apply for a small business loan and financing online
Get approved in as little as 2 hours
Funds deposited directly into your account
Secure online checkout available for faster funding
Find the best financing package for your business
Daily, weekly, and monthly* payment and remittance options
Factor rates** as low as 1.11
4.8 out of 5 rating on Trustpilot
When banks say no, Express Commercial Capital
says “tell us about your business”
Get the funding you need without having to jump through the hoops of traditional bank loans.
Long application, credit inspection,
business plan, and industry risk
Prequalify online Soft credit pull only
Long application, credit inspection,
business plan, and industry risk
Approval Time
Approval in as fast as 2 hours
Weeks–Months
Less than 30 Days
Months
Time to Funding
As fast as 4 hours
2–3 Months
7–10 Business Days
60–90+ Days
Approval Criteria
Overall business health
Credit score and collateral
Credit score
Credit score and collateral
✓ Express Commercial Capital
Funding Range
$5K–$600K
Process
Pre-qualify online Soft credit pull only
Approval Time
Approval in as fast as 2 hours
Time to Funding
As fast as 4 hours
Approval Criteria
Overall business health
✕ Bank Loans
Funding Range
$100K
Process
Long application, credit inspection,
business plan, and industry risk
Approval Time
Weeks–Months
Time to Funding
2–3 Months
Approval Criteria
Credit score and collateral
✕ Credit Cards
Funding Range
Credit dependent
Process
Prequalify online Soft credit pull only
Approval Time
Less than 30 Days
Time to Funding
7–10 Business Days
Approval Criteria
Credit score
✕ SBA Loans
Funding Range
Credit dependent
Process
Long application, credit inspection,
business plan, and industry risk
Approval Time
Months
Time to Funding
60–90+ Days
Approval Criteria
Credit score and collateral
Our Services
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Frequently Asked Questions
Who is Express Commercial Capital ?
Express Commercial Capital
helps small and medium-sized businesses get funding. We strive to be a trusted and committed partner to you, our customers. We make getting loans for businesses affordable, simple, and transparent.
How are we different?
We work with small and medium-sized businesses to connect them with much-needed capital. Express Commercial Capital
combines data science with a human touch, and we work directly with you to get the best company loans or financing for your unique needs, so you can focus on your products and services.
How do I get a business loan with Express Commercial Capital?
Wondering “how do I get a business loan”? Take ten minutes topre-qualify for small business loans onlineand we will respond with the best funding options for you. Depending on your application, you may be eligible for online checkout so you can review your contract and checkout securely and in your own timing.
You can get funds in your bank account in as little as 24 hours.
What types of business loans does Express Commercial Capital offer?
Express Commercial Capital
is a direct lender of working capital loans and merchant cash advances. Through our partners, we offer SBA loans, business lines of credit, equipment financing, long-term loans, and invoice factoring.
Our financing experts can help you:
Review the available financing and loans for small business owners
Determine which loan or financing is right for you
Complete the application for a business loan and financing
What are the eligibility requirements for small business loans and financing?
The eligibility requirements for small business loans and financing depend on which one you’ve selected and are based on a business owner’s specific credit history and creditworthiness.
Generally, you need to have:
Six months or more time in business
Credit score of over 500*, and
Average monthly revenue of $15,000+ ($180,000+ in annual revenue).***
Specific requirements will vary.
How do I get a small business loan or financing if I have bad credit?
Some funding products like merchant cash advances and invoice factoring are less credit dependent because these financing products are based on sales instead of a credit report.
Similarly, equipment financing does not have as much emphasis on credit because the equipment can be used as collateral if you default on your loan. Many of our financing solutions can help you build business credit as well.
Can I get a small business loan and financing for a new business or startup?
Startups almost never qualify for traditional bank loans, and that is true for Express Commercial Capital’s business loans and financing as well.
However, there are a lot of options in small business loans and financing for new businesses and startups, including:
Business credit cards
Personal loans
Your own savings
How can I use a small business loan or financing?
“Flexible” means that you can use the capital to fund whatever your business needs.
Some business financing is flexible in its usage, such as a working capital loan, business expansion loan, merchant cash advance, business line of credit, or SBA loan.
However, some loan and financing options are not flexible. Equipment financing can only be used to purchase or lease equipment. Any type of real estate loan will also be specific to funding a physical business location.
What should I consider before applying online for a small business loan or financing?
Before asking “how to apply for a small business loan or financing?” you should first consider whether the capital will help your business grow or help your business survive a crisis.
If you don’t have a good reason for business financing, the fees and interest can really add up.
However, if the business financing will help you buy new equipment, hire needed staff, or survive a crisis like the COVID-19 pandemic, then you should consider each of the following questions when reviewing the financing option.
How much capital does my business need?
How much is the interest rate and APR for the financing option?
What are the fees or prepayment penalties for it?
How are monthly payment amounts determined (installments, percentage remittances, etc.?)
Is a working capital loan the same as a small business loan?
A working capital loan is a type of small business loan. The term “small business loan” can also encompass business lines of credit, equipment financing and more.
How do I qualify for a small business loan?
To qualify for a small business loan, you generally need to have over 6 months time in business, a minimum credit score of 500 and at least $15,000 in average monthly deposits for the past 3 months. However, requirements can vary by lender and may be subject to change.
What is the rate for a small business loan?
The factor rate for a working capital loan will depend on the individual business’s health and financial profile. Express Commercial Capital
offers factor rates as low as 1.11.
What types of small business loans are there?
Small business loans can be used to describe a type of financing where a lump sum of cash is provided at a cost. Examples of a small business loan include a working capital loan or equipment financing.
How hard is it to get a small business loan?
Getting a small business loan is often easier than getting a traditional bank loans in terms of speed and ability to qualify. Small business financing providers, like Express Commercial Capital, often have more flexible eligibility criteria, fewer steps in the application process, and can get you funds in as fast as 1 business day from approval.
How do I apply for a small business loan?
Applying for a small business loan will depend on the lender. At Express Commercial Capital, once you fill out an application online, you will need submit documents like your business bank statements and a copy of your government-issued ID. Once you’re approved, you’ll work with a financing expert to review your offer and get your funding.
Can a startup get a small business loan?
Many small business loan providers require at least six months in business if not more as well as a minimum monthly revenue to qualify. Many startups may not meet these requirements.
Approval in as fast as 2 hours
Apply for business financing up to $600,000
Find out how much you qualify for.
Applying will not hurt your credit score.
Do you meet the requirements?
In general you will need:
$15K+ in monthly revenue
6+ months in business
500+ FICO score
Revenue deposited into a business bank account
Get started
Thank you for contacting us. We will get back to you as soon as possible.
Oops, there was an error sending your message. Please try again later.
*Some products are made available through Express Commercial Capital’s network of external funding partners
**Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates are available to merchants with excellent credit and financial strength.
***$15K+ avg. deposits for a three-month average and the most recent month. Rates, pricing, requirements, and other terms and conditions are subject to change without notice.
Frequently Asked Questions
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