Leaning on rich history and deep experience to fill a growing capital niche in the current economic climate, Express Combank specializes in helping companies boost immediate cash flow and regain business momentum. We offer funding for a wide range of industries and flexible funding requirements that most businesses can easily qualify for. Our competitors are challenged to offer this combination of services due to their standard underwriting infrastructure and limited industry experience.


  • Agriculture & Produce
  • Oilfield & Gas
  • Trucking & Transportation
  • Textile & Apparel
  • Distributors
  • Manufactures
  • Constructions
  • Security & Guards
  • Government Contracts
  • Health Cares & Providers
  • Staffing Agencies
  • Technologies/Equipment & Machinery

Trying to obtain suitable financing for your business can be time-consuming and complex. Credit history, cash flow and business profitability all play a role. Your business potential means something to us, which is why our credit decisions take into account the past, current and future success of your business. We place significant weight on your future prospects for growth by extending you a line of credit, knowing that working capital can help you make payroll, purchase equipment and inventory or even take trade discounts.

Prompt and Responsive Solutions: Express Combank achieve this mission by providing clients with prompt, responsive business financing services of the highest quality. We tailor our loans to meet the changing needs of our clients as their business accelerates:

Accounts Receivable Financing: Express Combank use outstanding accounts receivable as collateral for our clients to assign to us and borrow against to meet their business objectives. An accounts receivable line of credit is established to accelerate cash flow whereby advances are made against accounts receivables. The rate of advance on accounts is generally between 75– 85% of the accounts receivable balance. Our loans are set up in a self-liquidating fashion. Advances are based on products shipped and/or services rendered to creditworthy customers with loans paid down as cash collections are received.

Inventory Financing: Express Combank also allow clients to obtain financing through us against specific types of inventory that can include, but are not limited to, raw materials, work in progress and finished goods for seasonal sale. Our inventory financing is typically provided in conjunction with our accounts receivable solution, with the accounts receivable piece as the primary component of the facility. Inventory financing is provided to assist you through the process of purchasing, processing and converting your inventory into salable goods. Advance rates on raw materials and finished goods vary between 25–65% of cost depending on the type of inventory.

Equipment Financing: Clients can also obtain financing against their existing capital equipment, or they can obtain a capital expenditure line to purchase additional equipment they need to grow and expand. Equipment financing is provided in conjunction with accounts receivable financing, with the accounts receivable portion as the primary component of the facility. We provide equipment term loans to finance existing capital equipment or to purchase new capital equipment. Advance rates on equipment financing are determined on a case-by-case basis and are dependent on the specific equipment being financed. Formal

Technology Financing: Express Combank Technology product is designed specifically for emerging technology companies. Many firms lack sufficient operating results to secure traditional financing, but with our unique offering they are able to secure the funds necessary to grow with limited dilution of ownership equity. Our offering provides high technology firms an interim financing solution between conventional bank debt and equity, whether it’s institutional or angel money. By utilizing our elastic working capital line, companies can easily leverage trading assets to bridge operating cash flow. In addition, with little warrant coverage required, our program is ideal for postponing future equity offerings, thereby enabling our customers to concentrate on building the valuation of your currency. Benefits of the program allow our customers to:

  • Receive a larger line of credit than available through traditional financing
  • Gain access to credit checking and credit management services
  • Capitalize on profitable opportunities requiring cash
  • Utilize as bridge financing
  • Obtain cash to meet operating needs
  • Take advantage of trade discounts
  • Increase sales through prudent credit extension
  • Utilize web-based borrowing base & reporting

Factoring: If you have clients who take 30, 40 or 60 days to pay their invoices, we have a solution to help. We provide factoring, which is a financing tool that allows you to get your invoices paid immediately upon delivery of your goods or services. It provides your company with the necessary capital to operate efficiently, pay your own suppliers and grow. We can help you meet monthly financing needs from $100,000 to $1,000,000 dependent on application approval.

Not a traditional loan, factoring involves selling your invoices at a discount for immediate cash and thus that cash gives you immediate access to the funds you need to operate. Once your customers pay their outstanding balance, you get the amount paid less the advance and factoring fee. If your business has minimal capitalization, a lack of credit and collection expertise and/or limited operating history, the advantages of factoring to you include:

  • Prompt approval and funding
  • No minimums
  • No long-term contracts
  • Flexible assignment of accounts and invoices
  • Ultimately, the ability to transition to one of our more traditional revolving lines of credit as your situation allows

Instant Factoring Quote

First Name *
Last Name *
Email Address *
Monthly Revenue