Direct business lending
Work with Express Commercial Capital to get fast financing without the extra paperwork.
$3+
Billion in financing
Funding
As fast as 4 hours
Approval
As fast as 2 hours
55,000+
Small businesses financed
Simplify financing with a direct lender for business loans
Why choose Express Commercial Capital?
Pre-qualify for up to $600,000 in just minutes
Receive funds in your account as soon as 24 hours
Wide range of flexible financing options
Automatic daily or weekly payments
Guidance from financing experts at every step
Do you qualify for a direct business loan from Express Commercial Capital?
While requirements will vary by product, you will generally need:
500+ credit score*
Proof of 6+ months in business
$20,000+ average monthly bank deposits**
Operating in the United States
Express Commercial Capital, a direct business lender that helps your business grow
Give your business the foundation it needs to thrive with fast, flexible financing from a direct business lender.
Get used to hearing “Yes”
Pre-qualify in minutes and have funds deposited fast–like 46,000 businesses have. We have twice the approval rate of traditional banks.
No more piles of paperwork
Apply effortlessly with an entirely digital application process. We’ll support you throughout the process and answer any questions you have.
All-local, all-star customer support
Speak to a 100% U.S.-based support team that will walk you through everything from finding the right financing to getting the funds deposited into your account.
Four simple steps to funding
Make financing easy with a direct lender for business loans:
Pre-qualify in minutes
Find out how much funding you can get and your financing options.
Get your documents together
Make sure you have your bank statements and a government-issued ID to get started.
Get pre-approved in just minutes
Complete your application online and get pre-approved for up to $600,000.
Receive funds in just 24 hours
Once you’ve gotten approved, have funds deposited in your account in as little as 24 hours.
Free Estimate!
For the fastest reply, call or text us 24/7 at 310-954-6805
Pros and cons of direct business loans
Pros
Flexible financing that doesn’t choke your cashflow
Friendly, easy-to-access customer support
Can be available even if you have a lower credit score
Use funds as you want to operate or grow your business
Cons
Factor rates may be higher than traditional loans
You can stifle your cashflow if you over-borrow
Some direct lender business loans require collateral
Find the right financing option for your unique needs
Every small business is unique, which is why finding the right funding is so important.
Choose from a range of flexible financing options***, including:
- Working capital loans
- Merchant cash advances
Enjoy flexible payment schedules and loan terms that help you grow, not owe.
You’re more than a balance sheet
Don’t let the strength of your small business be judged on just your P&L sheet or your credit rating.
We take the time to understand the strength of your business and its future potential.
It’s why Credibly has a 4.8 (out of 5) rating on Trustpilot, and why we’ve funded over $3+ billion to businesses like yours
Our Services
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Frequently asked questions about direct business funding
What is a direct business loan?
A direct business loan is financing that comes directly from the financial institution you are working with. In contrast, some businesses may help connect you with a financing provider, but not lend you the money directly.
Because you work with the financing provider directly, you will often see quicker approval and smoother funding processes, making it an ideal solution for urgent capital needs.
Direct business loans can be used for various purposes, such as expanding operations, purchasing equipment, or managing cash flow. These loans often have flexible terms tailored to your business’s unique needs.
What are the benefits of direct business loans?
Direct business loans provide several advantages. You benefit from faster approval times compared to traditional bank loans, which can be crucial when quick access to capital is needed.
Flexible remittance terms are often available, allowing you to choose a plan that fits your cash flow.
Additionally, direct lenders offer more personalized service, understanding the specific needs of your business better than larger financial institutions.
This approach can also mean lower credit requirements, making it accessible to more businesses.
Can I get a direct business loan with bad credit?
Yes, it is possible to secure a direct business loan even with bad credit. Alternative lenders often consider other factors beyond your credit score, such as your business’s revenue, cash flow, and overall financial health.
While the interest rates may be higher to offset the risk, these lenders provide opportunities for businesses that may not qualify for traditional financing.
Improving your credit score over time can also help you secure better terms on future loans.
What’s the downside to getting direct business funding?
While direct business funding offers numerous benefits, there are potential downsides to consider. Interest rates can be higher compared to traditional bank loans due to the increased risk for the lender.
Additionally, some alternative lenders might impose fees. It's crucial to thoroughly review the terms and conditions to understand the full cost of the loan.
Lastly, if your business fails to meet payment terms, it can negatively impact your credit score and future borrowing potential.
How do I know if I can trust a direct business lender?
Trusting a direct business lender involves careful research and due diligence.
Start by checking their credentials, such as licenses and regulatory compliance. Look for reviews and testimonials from other businesses that have used their services. Express Commercial Capital has an ‘Excellent’ rating from over 1,700 reviews on Trustpilot.
Transparent terms and clear communication are key indicators of a reputable lender. You can also consult industry associations or financial advisors for recommendations.
Verifying these aspects ensures you’re partnering with a trustworthy alternative lender who will support your business’s growth.
You can get up to $600,000
It takes minutes to pre-qualify (and doesn’t hurt your credit score)
* Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates available to merchants with excellent credit and financial strength.
** $20K+ avg. deposits for a three-month average and the most recent month.
***Some products are made available through Express Commercial Capital’s network of external funding partners
Frequently Asked Questions
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