Pay for What You Use
- Interest accrues only on drawn funds
- Undrawn portion of your line costs nothing
How Businesses Use a Line of Credit
A line of credit works best when you need standing access to funds for expenses that come up on their own schedule — not a single, planned purchase.
Smooth Out Slow Periods
Draw what you need to cover payroll and operating costs during a seasonal dip, then repay as revenue picks back up.
Handle Repairs and Emergencies
Access funds immediately when equipment breaks down or an unplanned expense hits, without applying for a new loan.
Bridge Gaps Between Invoices
Draw against your line while waiting on customer payments, then repay once invoices are collected.
Open Your Line in Three Simple Steps
1
Complete Online Application
Apply in minutes and provide your recent business bank statements.
2
Get an Approval and Set your Limit
Your dedicated Funding Advisor calls to confirm your credit limit and walk through draw terms.
3
Draw Funds Whenever You Need Them
E-sign your agreement and start drawing — funds land in your account within one business day.
Why Express Capital Funding
Trusted Partner
Over $250M funded to more than 5,000 small businesses nationwide.
Fast, Simple Process
No-cost, no-obligation application with minimal paperwork.
A Dedicated Advisor
One point of contact who knows your file and your industry.
Flexible Limits
Credit lines sized to your revenue, with room to grow as your business does.
Transparent Terms
Clear draw and repayment terms with no hidden fees, explained before you sign.
We Know Your Industry
12+ years funding construction, transportation, retail, and more.
Customer Reviews
"The initial representative was very helpful and communicated all that was needed up front in terms of documentation. The underwriting team was responsive and informative about the loan terms. Great experience."
Deanna Cosby
"Outstanding service and transparent terms. They truly understand small business needs and work with you every step of the way."
David Martinez
Frequently Asked Questions
How is a line of credit different from a loan?
A term loan gives you a single lump sum that you begin repaying immediately. A line of credit gives you an approved limit you can draw from repeatedly — you only owe interest on the portion you actually draw, and the line replenishes as you repay it.
How much can I qualify for?
Business lines of credit through Express Capital Funding generally range up to $250,000, based on your time in business, revenue, and credit profile.
Do I pay interest on my full credit limit?
No. You're only charged on the funds you draw. If you don't draw against your line in a given month, you don't owe interest for that month.
Does a line of credit affect my personal credit?
It can, depending on whether a personal guarantee is part of your agreement. Your dedicated Funding Advisor will walk through exactly how your line is structured and reported before you sign.
How fast can I draw funds?
Once your line is approved and your agreement is signed, funds are typically available for draw within one business day, and repeat draws are usually faster.
Can a newer business qualify?
Lines of credit generally require at least one year in business and consistent monthly revenue. If you're newer than that, a working capital loan may be a better fit in the meantime.
Ready for Funding On Your Terms?
Open a business line of credit and get standing access to capital whenever your business needs it, on your schedule, not a lender's.
Apply Now