Direct Lending
Capital, customizedfor your business.
A discreet alternative to the bank. We advance working capital to established operators, underwritten in-house, swiftly delivered, and structured around the rhythm of your revenue.
$10B+
Advanced to operators since 2018
24–48 hrs
Average time to an approval
12,000+
Businesses funded nationwide
The Process
A direct path fromrequest to capital.
One point of contact. In-house underwriting. A structure built around the way your business operates.
Share the essentials behind the operation, intended use of funds, timeline, and recent business bank statements.
Capital in motion
Every business moves differently.Capital should move with it.
Structured around the operating rhythm, pressures, and opportunities of established businesses.
Industries We Serve
Tailored capital for the industries we serve.
Working capital structured for established operators in cash-flow heavy industries.
Hospitality
Working capital for restaurants, cafes, and operators managing payroll, inventory, and seasonal demand.Learn more →
Retail
Capital for inventory buys, store improvements, and revenue opportunities across modern retail.Learn more →
Medical / Med Spas
Funding for equipment, staffing, marketing, and growth across healthcare and wellness operators.Learn more →
Service Businesses
Working capital for trades, appointments, invoices, equipment, and repeat customer demand.Learn more →
Franchises
Capital for multi-location operators managing buildouts, payroll, inventory, and expansion.Learn more →
Construction
Capital for materials, labor, project timing, and contractor cash-flow gaps.Learn more →In Their Words
Trusted by operators who don't have time for the bank.
“They moved like a private bank and decided like a partner. The capital was in our account before our accountant returned the call.”
Marguerite Vásquez
Founder, Atelier Nord - Hospitality
Begin the Conversation
Start your capital request.
Share the essentials. An advisor will review your business directly and respond with next steps.
FAQ
Questions before you apply.
We work with established operators across hospitality, retail, service, medical and wellness, construction, and franchise businesses.
See what Express Capital can fund.
Get a clear look at working capital structured around your revenue, timeline, and file.