In today’s dynamic business environment, access to fast, flexible capital can be the difference between growth and stagnation. Many small business owners turn to Merchant Cash Advances (MCAs) for rapid funding that doesn’t require traditional collateral or perfect credit. Two well-known names in the MCA space are Capital Express LLC and Westwood Funding. While they both serve the same general purpose, their offerings, terms, and philosophies toward business lending differ significantly.
In this article, we dive into what separates Capital Express from Westwood Funding, helping entrepreneurs and business owners choose the best partner for their financing needs.
Understanding Merchant Cash Advances
Before getting into the company comparison, it’s important to understand how Merchant Cash Advances work.
An MCA is not a loan. Instead, it is a cash advance based on a business’s future sales. The MCA provider gives the business a lump sum upfront, and the business repays it over time by withholding a percentage of daily credit card sales or overall revenue.
This funding method is popular among businesses with consistent sales, like restaurants, retailers, and service providers. However, MCAs often carry higher costs than traditional financing, making it essential to fully understand the provider’s terms and transparency.
To explore how to evaluate an MCA properly, check out our related guide: How to Use a Merchant Cash Advance Calculator to Make Smarter Funding Decisions.
What Capital Express LLC Offers
Capital Express LLC is recognized for delivering fast, transparent, and flexible funding solutions. Here are the highlights of their MCA approach:
- Quick Funding Approvals: Capital Express is known for approving applications in as little as 24 hours.
- Customized Terms: Funding solutions are tailored to match the business’s cash flow and needs.
- No Hidden Fees: One of the standout features is their clarity on fees and repayment structures.
- Support for All Credit Profiles: Businesses with less-than-perfect credit are not automatically excluded.
- Educational Resources: The brand emphasizes business education through their blog and tools.
Capital Express goes beyond just MCAs. Their services extend to revenue-based financing, debt settlement consulting, and non-dilutive capital for startups and growing companies.
What Westwood Funding Offers
Westwood Funding is another MCA provider that focuses on quick capital for small businesses. Their offerings typically include:
- Merchant Cash Advances
- Term Loans
- SBA Loan Consulting
- Asset-Based Lending
Westwood Funding tends to follow more traditional risk assessments and may place heavier weight on credit scores and historical revenue. While they do offer a wide array of products, their flexibility and customization might be more rigid compared to Capital Express.
Side-by-Side Comparison Table
Feature | Capital Express LLC | Westwood Funding |
Approval Time | As little as 24 hours | 24–48 hours |
Funding Amounts | Up to $5,000,000 | $10,000 to $3,000,000 |
Credit Requirements | Accepts low to fair credit scores | Prefers good credit histories |
Transparency | Clear terms, no hidden fees | Terms may be less transparent |
Repayment Structure | Daily/weekly payments, customized | Daily/weekly payments |
Additional Services | Debt settlement, revenue-based financing | Term loans, SBA assistance |
Flexibility | High – customized offers | Moderate – fixed terms per product |
Customer Service | Personalized guidance | Traditional customer support |
Capital Express’s Educational Focus
Capital Express stands out by offering not only funding but also education. Their blog educates business owners on how to navigate financial challenges and evaluate different forms of financing. One such piece is Business Debt Settlement: A Strategic Alternative to Bankruptcy, which offers insight into resolving debt outside the courtroom.
This added educational component reflects Capital Express’s commitment to building lasting relationships with clients, not just offering one-time capital.
Non-Dilutive Financing for Long-Term Growth
Another key differentiator for Capital Express is their support for non-dilutive funding options. Through revenue-based financing, businesses can access working capital without giving up equity or control.
To understand how this works and whether it’s right for your business, read The Pros and Cons of Non-Dilutive Financing: Why RBF Could Be Right for Your Business.
Understanding Repayment Costs and Structures
When choosing between MCA providers, understanding the repayment structure and true cost of funding is critical. Here’s a sample table that illustrates how different factors can affect the repayment amount.
Sample MCA Repayment Table
Advance Amount | Factor Rate | Total Repayment | Daily Payment (Estimated) | Term Length |
$50,000 | 1.30 | $65,000 | ~$500 | 130 Days |
$75,000 | 1.25 | $93,750 | ~$720 | 130 Days |
$100,000 | 1.20 | $120,000 | ~$925 | 130 Days |
Capital Express provides tools like a merchant cash advance calculator so businesses can estimate repayment amounts accurately before committing to funding.
Which Is Right for Your Business?
Here are some key points to help you decide:
- Choose Capital Express if… you want fast, flexible funding with transparent terms and need support despite imperfect credit.
- Choose Westwood Funding if… your business fits traditional underwriting models and you prefer working with a provider that offers SBA loan options or traditional lending alongside MCAs.
Final Thoughts: The Clear Winner Depends on Your Needs
Capital Express and Westwood Funding both serve vital roles in the MCA landscape. However, Capital Express LLC’s combination of speed, transparency, educational content, and tailored financial solutions gives it a noticeable edge for many modern businesses.
If you’re considering an MCA, be sure to compare offers, use a reliable merchant cash advance calculator, and understand both the benefits and obligations involved. In the evolving landscape of alternative financing, making an informed decision could save your business time, money, and stress.
