Frequently Asked Questions

Express Equities provides fast business funding — including working capital, merchant cash advances, lines of credit, term funding, and equipment financing — to small and mid-sized businesses across the United States.

Funding ranges from $5,000 to $2,000,000. The amount you qualify for is based mainly on your monthly revenue and time in business.

Most applicants receive a decision within a few hours. After you accept an offer and sign, funds are typically deposited within 24 hours.

A completed application and your last 3–4 months of business bank statements. In some cases we may ask for a voided check or ID for verification.

Generally, at least 6 months in business, $10,000+ in average monthly revenue, and a business bank account. Credit scores of 550+ are regularly considered.

No. We use a soft credit inquiry to review your options, which does not affect your credit score.

No. Our working capital and merchant cash advance products do not require real estate or other collateral.

No. An MCA is the purchase of a portion of your future receivables. You receive cash upfront and remit an agreed portion of your sales until the purchased amount is delivered.

Payments are typically made by automatic daily or weekly ACH debit from your business account, sized to fit your cash flow.

Yes. Many clients qualify for renewals or additional funding once they've paid down a portion of their current balance.

Any legitimate business purpose — payroll, inventory, equipment, marketing, expansion, repairs, taxes, or covering slow seasons.

Yes. Your information is transmitted securely and is never sold. See our Privacy Policy for details.