Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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Four Corners Community Bank offers Capital Express, a program that turns your outstanding invoices into cash, funded daily, without new long-term debt, and without the contracts and hassle of traditional business financing.
Call a Local Banker
*Subject to credit approval.
The work is done, the invoice is sent, and the cash doesn’t show up for 30, 60, even 90 days. Meanwhile your payroll, fuel, materials, and rent don’t wait for anyone. Capital Express closes the gap between invoice and payment received.
Capital Express is a business financing program offered through Four Corners Community Bank that advances you cash against your eligible invoices, up to *90% of their value, often within days. Upon approval and funding, your designated invoices are assigned to Four Corners Community Bank, and repayment is satisfied directly by your invoiced customer’s full payment, typically within 90 days. Your customers will remit their payments to a secure lockbox maintained by the bank, or via ACH.
Call a Local Banker
*Subject to credit approval.
Businesses with commercial invoices and a gap between the work being finished and getting paid can benefit. Here’s how it plays out across a few industries we work with often:
A local contractor lands a bigger job than usual and needs working capital to keep pace with the build without taking on a new long-term loan.
Capital that moves as fast as the opportunity does.
A hauling company keeps trucks fueled and drivers paid every week, even while freight customers take 60 days to pay their invoices.
Daily funding keeps the fleet moving.
A staffing agency places workers who need to be paid weekly, while client invoices run on 30-, 60-, or 90-day terms.
Closes the payroll-vs-receivables gap that growing staffing businesses feel first.
An oilfield services company keeps crews and equipment running through the long, unpredictable payment cycles common with E&P operators.
Cash flow that doesn’t depend on someone else’s payment schedule.
A distributor takes on a large new order, with inventory and supplier costs due well before customer invoices are collected.
Frees up cash tied up in receivables so the business can say yes to growth.
Call a Local Banker
*Subject to credit approval.
Capital Express isn’t run through a call center or an out-of-state finance company. It’s offered through your locally owned Four Corners Community Bank, where lending decisions are made by people who live in the communities they serve. When you call, a real local banker answers. When your business needs financing, we’re already here.
Call your nearest Four Corners Community Bank business lending location. No appointment necessary.
Farmington – Main Office
Janice Huffhines: (505) 566-2103
Cortez, CO
Nicole Triplett: (970) 564-8867
Durango, CO
Amanda Mangold: (505) 566-2134
An accounts receivable finance program offered through Four Corners Community Bank that advances you cash against your outstanding invoices, so you don’t have to wait 30, 60, or 90 days to get paid.
No. It’s not a new loan sitting on your balance sheet. It’s cash you’ve already earned from work you’ve already done, paid to you sooner.
Up to 90%* of the value of an eligible invoice, less the program fee.
*Same-day or next-day funding once approved and after the initial set-up process.
A Four Corners Community Bank business banker at our Main Farmington Office, Cortez, or Durango locations. Call the number for your nearest location above.
The bank may reassign and charge back to your business all or any portion of an initially purchased receivable.
Subject to credit approval. Terms and conditions apply.
Four Corners Community Bank is an Equal Opportunity Lender.
Capital Express is offered through Four Corners Community Bank. Four Corners Community Bank is a Member FDIC institution.
CapitalExpress is a commercial accounts receivable financing program provided by Four Corners Community Bank and is restricted exclusively to business-to-business transactions. This is not a consumer loan or a traditional line of credit. Final advance rates, fees, and reserve requirements are subject to full underwriting approval, business credit assessment, and verification of individual invoice validity.