Merchant Cash Advances, Lines of Credit, Equipment Financing & Invoice Factoring — funded in as little as 24 hours. Miami-based. Nationwide reach.
Soaring Above The Competition
Express Capital Associates empowers business owners with fast, flexible merchant cash advance solutions designed to fuel growth, improve cash flow, and keep businesses competitive. Whether you're expanding operations, covering payroll, investing in equipment, or launching new opportunities — our programs offer speed, transparency, and reliability without the long delays of traditional lending. A trusted financial partner for entrepreneurs across all industries, nationwide.
Two minutes can change how you fund your business.
Company Overview & Funding Explained
Express Capital — Introduction
No lengthy paperwork. No weeks of waiting. We move at the speed your business demands.
Complete our streamlined application in minutes. No obligation, no upfront fees, no impact to your credit score.
Receive your decision within 12–24 hours. Review competitive offers from our vetted network of funding partners.
Funds deposited directly to your business account — often same day or next business day after final approval.
Every business has different cash flow dynamics, credit profiles, and capital needs. We match you to the right product — not the easiest one to sell. Here is a full breakdown of every solution we offer.
A Merchant Cash Advance is not a loan — it is a purchase of a portion of your future business revenue. Express Capital advances a lump sum today in exchange for an agreed percentage of your daily sales until the purchased amount is recovered. Because repayment flexes with revenue, there are no rigid monthly payments that strain cash flow during slower periods. Factor rates typically range from 1.15x to 1.50x depending on business profile and risk.
A revolving line of credit gives your business on-demand access to capital up to an approved limit. Draw only what you need, repay it, and the credit replenishes — functioning as a permanent financial safety net. Unlike a term loan, you only pay interest on the capital you actually deploy, making it one of the most cost-efficient structures available for businesses with variable capital requirements.
Invoice factoring converts outstanding receivables into immediate cash without taking on debt. You sell unpaid invoices to a factoring company at a small discount — typically 1–5% — and receive 80–95% of the invoice value upfront. The remainder arrives once your client pays. Your customers' creditworthiness matters more than yours, making this powerful for businesses with strong clients but limited personal credit.
SBA loans are partially guaranteed by the U.S. Small Business Administration, reducing lender risk and enabling lower interest rates and longer repayment terms than conventional commercial financing. The SBA 7(a) program funds up to $5M for working capital, equipment, real estate, or debt refinancing. While the approval timeline is longer than alternative products, SBA is typically the lowest-cost option for qualifying established businesses.
Equipment financing allows businesses to acquire machinery, vehicles, technology, or other capital assets by spreading the cost over time — without depleting working capital. The equipment itself typically serves as collateral, enabling more favorable rates than unsecured alternatives. At the end of the term, ownership transfers to the business. For businesses that generate revenue directly from equipment, the asset often pays for itself before the financing term ends.
Asset-backed funding allows businesses to leverage the equity in qualifying assets — commercial real estate, equipment, inventory, or accounts receivable — to access larger capital at competitive rates. Because the loan is secured by a tangible asset, lenders accept lower credit scores and higher risk profiles than unsecured programs. Commonly used for large-scale expansion, acquisition financing, or to consolidate multiple high-cost debt positions into one structured facility.
From medical practices to construction crews — if you have revenue, we have a solution.
Pre-approval in hours. We review your full business picture — not just a credit score.
Repayment aligned to your revenue cycle. No rigid monthly payments that choke cash flow.
Competitive offers from trusted partners. Transparent terms, no hidden fees.
A real advisor on every deal — from application to funded and beyond.
Traditional lenders said no? We specialize in businesses banks overlook.
All 50 states. Miami-based headquarters, nationally positioned funding network.
No obligation. No impact to your credit score. An answer within 12–24 hours.
Upload your documents below. Bank statements are required; driver's license and voided check speed up approval significantly. All files are encrypted (SSL/256-bit) and stored securely.
Most recent 3 months · Business account only
Driver's license · State ID · Passport
Write "VOID" across a business check · Photo OK
✓ All uploads encrypted in transit and at rest · ✓ Shared only with vetted funders for underwriting · ✓ Documents never sold or used for marketing
One of our advisors will contact you within 12–24 hours.
Questions? Call or text us directly:
(646) 698-8600 Direct ·
(929) 346-8635 Mobile
Risk-free quote in minutes. No obligation. No credit impact to get started.
Express Capital Associates (Fraka Investments LLC) is not a lender, bank, or credit union and does not make credit decisions. We are a commercial financing broker that connects small and mid-size businesses with a network of third-party funding providers. All financing offers are extended solely by those third-party providers and are subject to their individual underwriting and approval processes.
A Merchant Cash Advance (MCA) is a purchase of future receivables, not a loan and is not subject to the same regulatory requirements as traditional loans. MCAs may involve higher costs. Repayment is typically structured as a percentage of daily credit card receipts or bank deposits. Factor rates, holdback percentages, and total repayment amounts vary by provider and business profile. Express Capital Associates may receive a referral fee, commission, or other compensation from funding partners if a business is funded through our network.
By submitting an application, you consent to receive phone calls, SMS/text messages, and emails from Express Capital Associates and its authorized partners. Consent is not a condition of funding. Message and data rates may apply. Reply STOP to opt out of SMS. Reply HELP for assistance: franz@expresscapitalassociate.com. No mobile information will be shared with third parties for marketing or promotional purposes.
We collect personal and business information solely to evaluate financing eligibility and connect you with funding partners. Your data is stored securely using SSL encryption and will not be sold. You may opt out at any time by emailing franz@expresscapitalassociate.com. View Full Privacy Policy →
Effective Date: July 1, 2025 · Last Updated: June 28, 2025
All information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. Funding availability, terms, and amounts are not guaranteed. Not all applicants will qualify. Express Capital Associates operates exclusively as a commercial finance broker, not as a direct lender. This site is not affiliated with any government agency, including the SBA.
Fraka Investments LLC (DBA Express Capital Associates)
SW 149th Place, Miami, FL 33187
Direct: (646) 698-8600 | Mobile: (929) 346-8635 | Fax: (646) 448-8202
Email: franz@expresscapitalassociate.com | submissions@expresscapitalassociate.com
Hours: Monday – Friday 9:00 AM – 6:00 PM EST