When looking for the right financing option for your business, you might come across lenders like Capital Express LLC and TopMark Funding. Both offer financing solutions, but they cater to different types of businesses. Choosing the best one depends on your needs, the type of funding you seek, and the terms that suit you best.
In this guide, we’ll compare Capital Express LLC and TopMark Funding in detail, helping you make an informed decision.
Overview of Capital Express LLC and TopMark Funding
Before diving into the comparison, let’s first understand what each company offers.
Capital Express LLC
Capital Express LLC is a business finance broker that specializes in alternative financing solutions. They provide quick funding for businesses that may not qualify for traditional bank loans.
- Loan Types: Merchant cash advances, revenue-based financing, unsecured business loans
- Ideal For: Small businesses, startups, and companies with lower credit scores
Loan Speed: Fast approvals, often within 24 hours
TopMark Funding
TopMark Funding focuses on financing for businesses in the trucking and transportation industry. They help business owners secure equipment financing and lease options.
- Loan Types: Equipment financing, commercial truck loans, business loans for transportation companies
- Ideal For: Trucking businesses, fleet owners, logistics companies
- Loan Speed: Approval process varies based on business needs
Feature | Capital Express LLC | TopMark Funding |
Loan Types | Revenue-based, unsecured loans, merchant cash advances | Equipment financing, truck loans |
Best For | Small businesses, startups, businesses with low credit | Trucking, logistics companies |
Approval Speed | 24 hours or less | Varies |
Loan Amount | $10,000 – $5M | Varies based on equipment |
Credit Score Requirements | Flexible | Moderate to high |
Loan Types Offered
Choosing between these two companies depends on the type of financing you need.
Capital Express LLC: Diverse Business Loan Options
Capital Express LLC offers financing for different business needs, including:
- Revenue-Based Financing – Repayments are based on business earnings.
- Merchant Cash Advance – Fast funding with flexible repayment structures.
- Unsecured Business Loans – No collateral required, ideal for businesses needing quick cash.
TopMark Funding: Industry-Specific Financing
TopMark Funding focuses on financing within the transportation industry. Their primary offerings include:
- Equipment Financing – Loans for purchasing trucks, trailers, and logistics equipment.
- Commercial Vehicle Loans – Truck leasing and loans with customized payment plans.
If you’re looking for general small business loans, Capital Express LLC is a great option. However, if you need financing for trucking or logistics, TopMark Funding is the better choice.
Loan Approval Process and Requirements
Different lenders have different approval criteria. Here’s how both compare:
Criteria | Capital Express LLC | TopMark Funding |
Credit Score | Flexible | Typically 600+ |
Time in Business | Startups accepted | 6 months or more |
Revenue Requirement | $10,000+/month | Varies |
Collateral | Not required for unsecured loans | Required for equipment financing |
Capital Express LLC is ideal for businesses with lower credit scores and new startups, while TopMark Funding requires a higher credit score and often requires collateral.
Interest Rates and Fees
Interest rates and fees play a huge role in choosing a financing partner.
Capital Express LLC: Flexible Rates
- Rates depend on business revenue and risk profile.
- Merchant cash advances and revenue-based financing often have higher rates.
TopMark Funding: Industry-Based Pricing
- Interest rates depend on the type of equipment being financed.
- Rates are competitive for trucking and transportation businesses.
If you are a small business loan broker looking for financing options, understanding these rates can help you find the best deals for clients.
Repayment Terms and Flexibility
Capital Express LLC: Flexible Repayment Options
- Revenue-based loans adjust based on business earnings.
- Merchant cash advances have percentage-based repayment structures.
- Shorter loan terms, usually 6 months to 2 years.
TopMark Funding: Structured Payment Plans
- Fixed monthly payments for equipment loans.
- Loan terms range from 12 months to 5 years.
- Penalties for early repayment may apply.
If you need short-term flexible financing, Capital Express LLC is the better choice. For long-term fixed payments, TopMark Funding is more suitable.
Customer Support and Service
Good customer service can make a big difference when choosing a lender.
- Capital Express LLC – Offers dedicated support for small business owners, helping them find the right financing solutions.
- TopMark Funding – Provides specialized support for trucking businesses, with industry expertise.
Both companies have strong customer service, but their focus areas differ. Capital Express LLC serves a broader business audience, while TopMark Funding specializes in transportation financing.
Funding Speed and Application Process
Time is money when it comes to business financing. Here’s how these two compare:
Factor | Capital Express LLC | TopMark Funding |
Application Time | 10-15 minutes | 15-30 minutes |
Approval Time | Same day | 1-5 business days |
Funding Time | 24 hours | Varies |
Capital Express LLC is much faster for general business financing, while TopMark Funding takes longer due to asset verification.
Pros and Cons of Each Option
Capital Express LLC Pros & Cons
✅ Fast approvals and funding within 24 hours
✅ No collateral needed for unsecured loans
✅ Ideal for startups and small businesses
❌ Higher interest rates on some loans
❌ Shorter repayment terms
TopMark Funding Pros & Cons
✅ Competitive rates for equipment financing
✅ Specialized funding for trucking businesses
✅ Longer repayment terms
❌ Slower funding process
❌ Requires higher credit scores
Which Business Financing Option is Best for You?
If you are looking for quick, flexible financing, Capital Express LLC is the better choice. However, if you need funding for transportation and equipment, TopMark Funding is the way to go.
Best Choice Based on Business Type
Business Type | Best Option |
Startups | Capital Express LLC |
Small Businesses | Capital Express LLC |
Trucking & Logistics | TopMark Funding |
Equipment Financing | TopMark Funding |
Final Thoughts
Both Capital Express LLC and TopMark Funding offer valuable financing solutions, but they serve different needs. If you need quick, unsecured business loans, Capital Express LLC is a great option. On the other hand, if you’re in the trucking or transportation industry, TopMark Funding is the better choice.
Before making a decision, compare loan terms, interest rates, and repayment flexibility to find the best solution for your business. A trusted business finance broker or small business loan broker can also help you navigate your options.
