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EXPRESS CAPITAL ASSOCIATES

Soaring Above The Competition

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Soaring Above The Competition


Small Business Funding Made Easy

           

Merchant Cash Advances, Invoice Factoring, Business Lines of Credit & More- Empowering Your Business with Flexible Financing Options for Cash Flow, Working Capital, Equipment Financing or Expanding Your Business with a Quick Turnaround. We Provide Alternative Business Funding for Most Industries Across The United States. Apply today for a Risk-Free Quote and get an answer within the next 12 to 24 Hours.

Give Us a Call: (646)698-8600
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Express Capital Associates | Servicing Miami, Fort-Lauderdale and the Surrounding areas
Express Capital Associates is empowering business owners in 2026 with fast, flexible merchant cash advance solutions designed to fuel growth, improve cash flow, and keep businesses competitive. In an evolving economy, access to working capital is critical—and Express Capital Associates delivers funding solutions tailored to the real needs of entrepreneurs across multiple industries. Whether you’re expanding operations, covering payroll, investing in equipment, or launching new opportunities, our merchant cash advance programs offer speed, transparency, and reliability without the long delays of traditional lending. With a leadership-driven approach, proven expertise, and a commitment to helping businesses soar above the competition, Express Capital Associates stands as a trusted financial partner for success in 2026 and beyond.
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Funding for Small Businesses: Get Approved for alternative fundings Even After Bank Rejection!

Express Capital Associates | Get Funded in 24 Hours | Apply Now
Alternative Business Funding · All 50 States

Bank Said No?
We Say Yes.

Merchant Cash Advances, Lines of Credit, Invoice Factoring & more — decisions in 12–24 hours, capital in your account within 24–48 hours. No collateral. All credit scores considered.

No collateral required
All credit scores considered
Zero upfront fees
Decisions in 12–24 hrs
(646) 698-8600Direct Line
(929) 346-8635Mobile
Get Your Free Quote

Answer in 12–24 hours. No obligation. No credit impact.

📎
Upload Bank Statements (Optional)Last 3 months · PDF, JPG, PNG, CSV · Max 10MB each

By submitting you consent to contact by phone/SMS/email per our Privacy Policy & TCPA. Not a lender. MCA = purchase of future receivables, not a loan. Reply STOP to opt out.

By The Numbers

Speed. Flexibility. Capital.

24hr
Avg. Funding Time
$5K+
Starting Funding
50+
Industries Served
All 50
States Covered
12hr
Decision Turnaround
Minimum Requirements

Do You Qualify?

We work with businesses at every stage. Here's exactly what each product requires — no surprises.

Most Popular

Merchant Cash Advance

Min. Monthly Revenue$10,000 / mo
Time in Business6+ Months
Min. Credit Score500+
Collateral RequiredNone
Funding Speed24–48 Hours
Funding Range$5K – $2M
Revolving

Business Line of Credit

Min. Monthly Revenue$15,000 / mo
Time in Business1+ Year
Min. Credit Score550+
Collateral RequiredNone
Funding Speed2–5 Business Days
Funding Range$10K – $500K
Receivables

Invoice Factoring

Min. Monthly Revenue$10,000 / mo
Time in Business6+ Months
Min. Credit ScoreNo minimum
Collateral RequiredInvoices only
Funding Speed24–48 Hours
Funding Range$10K – $5M
Asset-Backed

Equipment Financing

Min. Monthly Revenue$8,000 / mo
Time in Business6+ Months
Min. Credit Score550+
Collateral RequiredEquipment only
Funding Speed3–7 Business Days
Funding Range$5K – $2M
Government-Backed

SBA Funding

Min. Monthly Revenue$20,000 / mo
Time in Business2+ Years
Min. Credit Score620+
Collateral RequiredMay be required
Funding Speed2–4 Weeks
Funding Range$50K – $5M
Asset-Backed

Collateral Funding

Min. Monthly Revenue$15,000 / mo
Time in Business1+ Year
Min. Credit Score500+
Collateral RequiredReal estate / assets
Funding Speed5–14 Business Days
Funding Range$25K – $10M

Not Sure Which Product Fits?

Email us first — we'll match you to the right product and follow up within 2 hours.

Simple Process

Funded in 3 Steps

No stacks of paperwork. No weeks of waiting. We move at the speed your business demands.

01

Apply in Minutes

Complete our quick form. Upload your last 3 months of bank statements. No obligation, no credit impact to get a quote.

02

Get Approved Fast

Decision within 12–24 hours. We review your full business picture — not just a credit score. Multiple offers presented.

03

Capital in Your Account

Review your offer, sign digitally, and funds hit your business account — often same day or next business day.

Financing Solutions

Products Built for Business

Flexible capital structures designed around your cash flow — not a bank's rigid criteria.

MCA
Most Popular · From $10K/mo

Merchant Cash Advance

Fast, unsecured funding based on future receivables. Flexible repayment tied to daily revenue — no fixed payments squeezing cash flow.

LOC
Revolving · From $15K/mo

Business Line of Credit

Draw what you need, pay interest only on what you use. Your financial safety net — always available when opportunities arise.

Factoring
Receivables · No Credit Min

Invoice Factoring

Convert outstanding invoices to immediate cash. Stop waiting 60–90 days. Debt-free financing that keeps your business liquid.

SBA
Gov-Backed · 620+ Credit

SBA Funding

Lower rates, longer terms. Partially guaranteed by the U.S. SBA. We navigate the entire process with you, end to end.

Equipment
Asset-Backed · From $8K/mo

Equipment Financing

Acquire machinery, vehicles, or technology without draining working capital. Equipment pays for itself while you keep cash liquid.

Collateral
Asset-Backed · Up to $10M

Collateral Funding

Leverage qualifying assets — real estate, equipment, inventory — to secure larger capital for expansion or major purchases.

Industries We Serve

Your Industry. Your Capital.

If your business generates revenue, we have a solution. 50+ industries across all 50 states.

Healthcare

Healthcare

Doctors, Clinics, Practices
Legal

Legal

Attorneys & Law Firms
Real Estate

Real Estate

Brokers & Investors
Entrepreneurs

Entrepreneurs

Startups & Growth Stage
Restaurants

Restaurants

Food Service & Hospitality
Construction

Construction

Contractors & Trades
Investors

Investors

Portfolio & Asset Growth
RE Investors

RE Investors

Fix & Flip, Buy & Hold

Ready to Get Funded?

Email us first — no pressure, no obligation. We respond within 2 hours.

Social Proof

Business Owners Trust Us

★★★★★

Turned down by three banks. Express Capital had us funded in under 48 hours. Transparent process, no hidden fees, real advisors who picked up the phone.

M
Marcus T.
Restaurant Owner · Miami, FL
★★★★★

Needed capital fast for emergency equipment repairs before a major project. Express Capital delivered within 24 hours — straight talk and execution, no runaround.

D
Diana R.
Construction · Atlanta, GA
★★★★★

As a medical practice with uneven monthly revenue, traditional lenders always said no. Express Capital structured a solution that matched our actual cash flow. Game changer.

J
Dr. James O.
Medical Practice · Houston, TX
Watch & Learn

Two Minutes Can Change
How You Fund Your Business

Company Overview & Funding Explained

Express Capital — Introduction

Frequently Asked Questions

Straight Answers.
No Jargon.

Everything merchants ask us before they apply — answered plainly.

An MCA is not a loan — it's a purchase of a portion of your future business revenue. We provide a lump sum of capital upfront, and repayment happens automatically as a fixed percentage of your daily credit card sales or bank deposits. Because repayment scales with revenue, there are no rigid monthly payments that can hurt your cash flow during slow periods.

For a Merchant Cash Advance, the minimum is $10,000/month in gross revenue. For a Business Line of Credit, we look for $15,000/month. Invoice Factoring starts at $10,000/month. SBA Funding typically requires $20,000/month and 2+ years in business. Every deal is evaluated individually — if you're close to these numbers, call us and we'll work with you.

For an MCA, we consider scores as low as 500. For a Line of Credit or Equipment Financing, we look for 550+. SBA Funding typically requires 620+. Invoice Factoring has no minimum credit score — we're evaluating the creditworthiness of your customers, not you. We work with merchants that banks have turned away.

For an MCA or Invoice Factoring, you can receive a decision within 12–24 hours and funds in your account within 24–48 hours of approval. Lines of Credit typically take 2–5 business days. Equipment Financing runs 3–7 days. SBA Funding takes 2–4 weeks due to government underwriting requirements.

To start, we need: last 3 months of business bank statements, a valid government-issued ID, and your business details (name, DBA, address, tax ID). For larger amounts or SBA, we may request tax returns, P&L statements, or accounts receivable aging. You can upload statements directly in our application — securely and instantly.

No. Express Capital Associates (Fraka Investments LLC) is a commercial financing broker. We connect you with a network of vetted third-party funders. This means you get access to multiple offers and competitive terms — not just one institution's criteria. We may receive a referral fee or commission upon successful funding.

No. Requesting a quote or submitting our initial application does not trigger a hard credit inquiry. A soft pull may be used during pre-qualification. A hard inquiry may occur later in the process only if required by a specific funder and only with your explicit consent.

Bank rejections are welcome here. Traditional banks use rigid criteria — credit scores, collateral, years in business — that exclude most small businesses. Our funders focus on your actual cash flow and revenue performance. Thousands of merchants who were turned away by banks have been funded through our network.

Repayment happens automatically via a fixed percentage of your daily credit card sales or ACH from your business bank account — called a "holdback" (typically 10–20%). On slower days you pay less; on busier days you pay more. This continues until the purchased amount plus fees is fully repaid. There are no late fees and no prepayment penalties in most programs.

Yes, in many cases. This is called a "stacking" situation. We evaluate the total daily payment burden versus your revenue. If your business can support additional repayment, many of our funders will work with existing positions. We can also explore debt consolidation options that roll multiple advances into one payment. Call us — every situation is different.

Still Have Questions?

Email us first — we reply within 2 hours. No pressure. No commitment required.

Full Application

Complete Your Application

Upload your statements, sign digitally, and get a decision in 12–24 hours. No obligation.

Automated Pipeline: Submissions trigger instant DocuSign agreements, RingCentral advisor alerts, deal creation, and segmented follow-up sequences by funding type — so your team responds within minutes, not hours.
1Contact
2Business
3Documents
4Sign & Submit
Step 1 of 4 — Contact Info

Upload your last 3 months of bank statements. This significantly speeds up your approval and improves your offer. All files are encrypted and stored securely (SSL/256-bit).

📁
Click to Upload Bank Statements

PDF, JPG, PNG, CSV, XLSX · Max 10MB per file · Up to 12 files

Accepted: Last 3 months business bank statements, voided check, most recent tax return (optional for larger amounts). Files are encrypted in transit and at rest.

Important Disclosure — Read Before Signing

Express Capital Associates (Fraka Investments LLC) is not a lender and does not make credit decisions. We connect businesses with third-party funders. A Merchant Cash Advance is a purchase of future receivables, not a loan, and may involve higher costs than traditional financing. All offers subject to provider underwriting. We may receive a referral fee or commission upon funding.

By signing below, you authorize Express Capital Associates to share your application and supporting documents with funding partners for underwriting purposes.
Your Digital Signature *
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✓

Application Submitted!

Your application and documents have been received. A dedicated advisor will contact you within 12–24 hours.

Prefer email follow-up?
franz@expresscapitalassociate.com

Or call/text us directly:
(646) 698-8600 Direct  ·  (929) 346-8635 Mobile

Stop Leaving
Money on the Table.

Your competitors are getting funded today. The easiest first step? Just send us an email. No forms. No pressure. We'll respond within 2 hours.

(646) 698-8600Direct Line
(929) 346-8635Mobile
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Easy to Apply

Simply complete our application and one of our team members will reach out to you shortly.
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Fast Turnaround

We won't leave you hanging. We'll review your application and get you an answer in as little as a few hours.
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Outstanding Service

More than just fast and reliable funding. Our agents are here to support you and your business’ financing needs.
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Express Capital Associates: Top Nationwide Small Business Lending in North America 

 

Have you ever felt like your business was ready to take the next big step, but something was holding you back? At Express Capital Associates, With our flexible financing options, you will find the perfect solution to turn your dreams into reality. You will secure the funds you need without the stress of rigid repayment plans.

At Express Capital Associates, we understand that every business has unique needs. Whether you're looking to expand, upgrade equipment, or manage cash flow, we're here to support your journey. ✨ Benefits of choosing us: - Tailored financing solutions
- Quick approval process
- Flexible terms that fit your business model Ready to see your business soar? Click below to learn more and start your journey today! 🚀
Learn More
Express Capital Network Associate Application

Express Capital Network Associate

Your Partner in Business Funding Solutions

Please fill out the form below to submit your request.

Important Disclaimer:

Express Capital Network Associate is not a lender or a bank. We do not provide loans or make credit decisions. Our service connects businesses like yours with a network of trusted third‑party funding providers who offer Merchant Cash Advances (MCAs) and other commercial financing products.

A Merchant Cash Advance (MCA) is a purchase of future receivables, not a loan. It is not subject to the same regulatory requirements as traditional loans and may have different terms and conditions. Please be aware that MCAs may involve higher costs compared to traditional financing options.

All funding offers are subject to the individual provider's underwriting and approval processes. Express Capital Network Associate may receive a referral fee or commission if your business is funded through one of our partners. We strongly advise you to consult with a qualified financial advisor to determine if an MCA or any other financing product is suitable for your specific business needs.

By submitting this application, you agree to be contacted by phone, SMS, or email regarding commercial financing products, in accordance with our Privacy Policy.

Contact Information

Business Details

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Explore Funding Solutions for Every Industry

Discover tailored financing options 
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Doctors
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Attorneys
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Real Estate Brokers
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Real Estate Investors
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Investors
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Restaurants
 
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Construction
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Retail

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Equipment Rental

Flexible Financing Options
 

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Small Business Funding

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Business Line of Credit

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SBA Fundings

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Equipment Financing

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Factoring

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Bridge loan 

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Get the Funding Your Business Needs To Grow with Express Capital Associates

In today's competitive market, seizing opportunities requires immediate access to capital. When you need to grow, pivot, or cover unexpected costs, waiting weeks for a bank's decision isn't an option. We specialize in providing the fast business funding that ambitious small and mid-size businesses need to succeed. At Express Capital Associates, our mission is to eliminate the hurdles and delays of traditional lending, offering a streamlined path to the capital you need with a small business funding tailored to your unique situation.
Express Capital Associates proudly serve a diverse range of professionals, understanding that every industry has its own financial demands. Whether you are a doctor investing in new medical technology, a law firm managing case expenses, or an equipment rental company expanding its inventory, we have a financing solution for you. Securing the right small business funding shouldn't be complicated. That’s why we’ve simplified the process. With our easy online application, you can get a decision quickly and receive your funds in as little as 24 hours. This access to fast business funding empowers you to act decisively.
Don't let a lack of working capital hold you back. Our flexible small business funding products are designed to support your goals, from purchasing inventory to launching a new marketing campaign. We believe in your business's potential and provide the fast business funding to help you realize it. As a dedicated financial partner, we look beyond just credit scores, focusing on your company's overall health and vision to offer the best possible small business financing option.
Give Us a Call: (646)698-8600
 

How Can a Cash Advance Benefit Your Business?
 

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Working Capital

Insures the business can operate smoothly and seize opportunities without cash disruptions. With the right funding merchants can stay competitive avoid costly delays and position themselves for long-term success.

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Inventory Financing
Inventory financing gives merchants the capital they need to purchase stock upfront without draining their cash reserves. Instead of tying cash in inventory, merchants use financing to keep shelves full, improve margins, all while maintaining healthy cash flow.​​​​​​
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Purchase New Equipment
Buy the equipment that your business needs to improve and grow. You can buy new or used heavy tools, machinery, and other equipment so you can expand your operations.
 
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Hire More Employees
Your employees are your most valuable resources. With our extremely low rates on small business funding, you can hire more manpower and grow your business.
 
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Consolidate Debt
Consolidate your business debts into one, low monthly payment and free up your money for daily operations. Merge all of your existing loans to get a low-interest and more comfortable payment.
 
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Expand Your Business
Want to expand to new locations or across new industries? Our flexible funding options, low interest rates and quick approvals can provide the funding you need to grow.
 

How it Works:
 

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Apply 

Fill out our simple form to get started. There are no fees or obligations.
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Get Approved

Compare your different funding options from reputable lenders.
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Use The Funds

The funds are directly deposited into your bank account.

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We Offer Fast, Easy, & Affordable Lending Solutions for Small to Medium Sized Businesses

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DISCLAIMER

Express Capital Associates is not a lender and does not make credit decisions. We connect businesses with financing providers through our network of funding partners. All funding offers are subject to underwriting and approval by the respective providers. Express Capital Associates may receive a referral fee or commission if a business is funded through a partner.
By submitting your information, you agree to be contacted by phone, SMS, or email regarding commercial financing products, in accordance with our Privacy Policy and TCPA Notice.

Express Capital Associates
 SW 149th Place
Miami, FL 33187
646-698-8600 Direct Line
929-346-8635 Mobile
submissions@expresscapitalassociate.com
www.expresscapitalassociate.com

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View our full Privacy Policy

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