About Vertex Capital
Funding built around how businesses really operate
Vertex Capital, a Capital Express LLC company, is a direct funder serving businesses nationwide — built on eight-plus years and nearly 1,500 funded businesses. Same underwriting discipline, same same-day funding, same balance sheet behind it.
A vertex is the point where separate lines meet at their highest point. That’s the position we hold: the point where a business that needs capital, a broker who found them, and a funder that can actually move all meet.
How we underwrite. We don’t stop at a credit report. Our underwriting looks at actual bank statements and revenue patterns — direct sales, payment processing, seasonality — to understand what a business can realistically support. That means faster, more accurate decisions, and it means we can say yes to businesses a credit-score-only lender would automatically decline.
Who we fund. Established businesses across most industries — contractors, restaurants, retail, transportation, medical practices, and professional services — typically $5,000 to $5,000,000 based on monthly revenue.
How we’re capitalized. Vertex funds off its own balance sheet alongside a small group of long-standing capital partners, which is what lets us hold larger positions and renew good merchants quickly.
Important — this is financing, not a loan
Vertex Capital’s core product is a purchase of a business’s future receivables in exchange for upfront capital — not a traditional loan. Terms, the factor rate, and total payback amount are disclosed clearly before any offer is accepted, consistent with applicable state commercial financing disclosure requirements.
- Speed with discipline — fast doesn’t mean careless. Every deal gets real underwriting.
- Straight answers — if we can’t fund a deal, we’ll tell you why and what would change that.
- Long-term relationships — with the merchants we fund and the ISO partners who bring them to us.
“They didn’t just fund me — they explained exactly how it worked and got the money moving faster than any bank ever could.”
Colin C. — Contractor
“Straightforward, fast, and they treated my business like it mattered.”
George N. — Business Owner