Why Small Business Owners Choose Expansion Capital Group
Established business owners deserve financing that recognizes what they've already built.
Running a business means making payroll before paying yourself. Waiting on customer payments while bills keep coming. Fixing equipment when it breaks because your business can't afford to stop.
Since 2013, Expansion Capital Group has helped more than 40,000 businesses access over $1.5 billion in working capital. We believe financing should be straightforward, transparent, and based on the full picture of your business, not just a credit score.
We look at your business, not just your credit score
Traditional banks lead with your credit history. We lead with your business performance. Our underwriting is built around your revenue and cash flow, which means established businesses with less-than-perfect credit are evaluated on the full picture, not rejected by a single number. We consider applicants with a personal FICO score of 500 or higher, and we use soft credit pulls during the application process, so checking your options won't affect your credit score.
Every business is different, which is why we offer more than one way to access working capital, from a loan amount sized to a specific project to financing built to support your business for the long term. Whether that's revenue-based financing or a business loan or funding, the amount and terms are based on your business and determined during the review process, not a rigid, one-size-fits-all structure.
We also offer prepayment discounts, so if you pay off your funding early, it costs you less. That's one of the reasons our customers come back.
What sets ECG apart
1
What we evaluate first
Your business revenue and cash flow
2
Who guides your application
A dedicated funding advisor, from application to funding
3
Credit score minimum
500+ FICO considered
4
Time in business
6+ months
5
Minimum monthly revenue
$8,000+
6
Credit pull
Soft pulls during application
7
Time to a decision
Most decisions in 30 minutes or less
What Small Business Owners Say About ECG
See what small business owners are saying about their experience with Expansion Capital Group, rated 4.4 out of 5 on Trustpilot.
Checking your eligibility takes a few minutes and won't affect your credit score. A funding advisor will review your business with you, answer your questions, and explain the funding options you may qualify for. No obligation.
The statement that "funding can occur as fast as the same day" describes the fastest possible timeline and is neither typical nor guaranteed. Actual timing depends on the completeness of your application, ECG's review, the transfer method used, and the processing and cutoff times of your financial institution, which are outside ECG's control. Submitting an application does not guarantee approval, funding, or any particular terms.
