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Express Capital Financing

Lender
4.8 stars
169 Reviews

Markets served


Nationwide

Except the following states:

Arizona
Nevada
North Dakota
South Dakota

About us


As one of the fastest-growing direct nationwide lenders in the industry, we specialize in providing both short-term and long-term asset-based loans. Our services are tailored to ensure that each investor's unique needs and goals are met in today's dynamic environment. We pride ourselves on our consultative approach, which involves understanding your specific needs and developing a solution that fits you like a glove.

Our unique industry knowledge, integrity, and unwavering determination define us in every transaction, ensuring that your financial goals are not just met but exceeded. Welcome to a partnership where your success is our business.

Specialties


Hard/Private/Non-QM

Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)

Reviews (169)


4.8 stars
169 Reviews
4.8 stars
169 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
a month ago
Reviewed by joey balassiano
Needed quick capital for a project and David and his staff came through in a big way. From the second of engagement to closing they were efficient, respectful, and cared about my interests. I highly recommend working with Express and there team!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Chad
I had a great experience with the Express Capital Financing Team. They were professional, knowledgeable, responsive, and made the entire loan process smooth and easy. A special thank you to Ryan, my loan officer, for his excellent communication and hard work throughout the process. Ryan went above and beyond to make sure everything was handled properly and kept me informed every step of the way. I highly recommend Express Capital Financing and especially Ryan. To anyone looking for a reliable and professional lending team. Great job, and good bunch of guys!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Joshua Henry
I had an excellent experience working with Express Capital Funding! They made the financing process for my company smooth, professional, and straightforward from start to finish. Their team was responsive, knowledgeable, and worked hard to get the deal across the finish line. Thanks to Express Capital Funding, we were able to successfully close on a multifamily property and move forward with our investment goals. I truly appreciate their dedication, communication, and ability to get things done when it mattered most. If you’re a business owner or investor looking for funding, I highly recommend Express Capital Funding. They’re a great team to have in your corner!
reviewer image
5.0 stars
|
3 months ago
Express Capital Financing has been an absolute game changer for my business. I honestly didn't realize how much I needed a lending partner like them until I experienced the difference firsthand. After working with my previous lender for over three years and completing multiple successful deals, my most recent project was unexpectedly denied because I couldn't meet the reserve requirement following a temporary downturn in my business finances. It was incredibly discouraging. Then Isaac from Express Capital Financing reached out to me with information about their lending programs. After listening to my situation, he didn't just treat me like another application—he genuinely wanted to help. He moved quickly to get my loan pre-approved through underwriting and into processing, giving me hope when I needed it most. The entire process has been fast, efficient, and incredibly well organized. I especially appreciated the automated email updates that kept me informed every step of the way, so I always knew exactly where my loan stood. In fact, I was so impressed with the experience that before even writing this review, I submitted a second deal—and it's already in processing! I invest in a unique market with relatively low property values, something many lenders shy away from. Express Capital Financing took the time to understand my business model and found a way to make it work. If you're looking for a commercial lending partner that is responsive, professional, efficient, and truly invested in helping you succeed, I can't recommend Express Capital Financing enough. I'm incredibly grateful to Isaac and the entire ECF team, and I look forward to doing many more deals with them in the future. -Lending Hands Properties LLC (Owner)
reviewer image
5.0 stars
|
5 months ago
Reviewed by Mina Abubakar Sherif
Abe is honestly of the best loan officers I have ever worked with! He makes the process as smooth as buying a home can be and explains each step of the process in a way that helps you understand what is going on. I've gained so much knowledge about the industry and my investments working with him! I've recommended him to multiple of my friends & family members and we've all had a pleasant experience with him! HIGHLY recommend
reviewer image
5.0 stars
|
6 months ago
Reviewed by GST Torres
Working with Steven Scorsone and Natasha Rampersaud at Express Capital was an outstanding experience from start to finish. Their professionalism, communication, and dedication made closing our deal on smooth and stress-free. Steven was knowledgeable, patient, and always available to answer questions, while Natasha’s organization and attention to detail kept everything moving efficiently and on schedule. They truly went above and beyond to make sure this deal got done. In real estate, having the right lender is everything, and Steven and Natasha proved exactly that. I’m incredibly grateful for their hard work and highly recommend them to anyone looking for a team they can trust. Looking forward to doing many more deals together in the future!!!
reviewer image
5.0 stars
|
a year ago
Reviewed by Peter Troffa
⭐️⭐️⭐️⭐️⭐️ Working with John Sitoropoulos has been an excellent experience! This was my first deal with him, and I was thoroughly impressed by how smooth and professional the entire process was. John is extremely thorough, always takes the time to explain everything clearly, and responds quickly to any questions or concerns I had along the way. His communication and attention to detail really set him apart. I look forward to working on many more deals with him in the future!
reviewer image
5.0 stars
|
a year ago
Reviewed by Jason Brown
Abe Labaton was amazing! He took the time to listen to all of my specific needs for my realestate portfolio. He worked with me and his team to develop a game plan and then implemented the strategy quickly and professionally. He helped me with 9 loans, and we are working on another one. Abe’s help and knowledge about the financial industry has been invaluable! I highly recommend Mr. Labaton and his team at Express Capital Financing.
reviewer image
5.0 stars
|
a year ago
Reviewed by Alan Benard
Express Capital Financing served me well as a lender, and was very helpful through a difficult rehab project. Ben Shara was my broker and he was very helpful throughout the project with different options and solutions I had available to me. Always staying ahead of things and keeping next steps in focus to ensure I wasn't caught off guard by anything from a funding standpoint. Ben, thank you, and thank you to the whole Express Capital team. I look forward to working with you again.
reviewer image
5.0 stars
|
a year ago
Reviewed by Mitchell Livingston
Just closed this deal with Express Financial, very excited to bring this forgotten treasure back to life. Thanks to Martin Chera for his wealth of knowledge and commitment to helping his client succeed in real estate investment and acquisition. Because of his dedication to the business, The acquisition of this deal was painless. Martin and the team at Express financial definitely takes the complexity out of any deal. It’s an amazing feeling when you can actually call your lender directly and have a one on one conversation to answer any questions or even provide professional support to close your deals. Truly an amazing team. They make you feel like you’re apart of the family. Won’t stop working these guys. Looking forward to closing another deal this coming week Thanks to Express Capital Financial and Martin Chera for making my real estate dreams a reality.
reviewer image
5.0 stars
|
a month ago
Reviewed by joey balassiano
Needed quick capital for a project and David and his staff came through in a big way. From the second of engagement to closing they were efficient, respectful, and cared about my interests. I highly recommend working with Express and there team!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Chad
I had a great experience with the Express Capital Financing Team. They were professional, knowledgeable, responsive, and made the entire loan process smooth and easy. A special thank you to Ryan, my loan officer, for his excellent communication and hard work throughout the process. Ryan went above and beyond to make sure everything was handled properly and kept me informed every step of the way. I highly recommend Express Capital Financing and especially Ryan. To anyone looking for a reliable and professional lending team. Great job, and good bunch of guys!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Joshua Henry
I had an excellent experience working with Express Capital Funding! They made the financing process for my company smooth, professional, and straightforward from start to finish. Their team was responsive, knowledgeable, and worked hard to get the deal across the finish line. Thanks to Express Capital Funding, we were able to successfully close on a multifamily property and move forward with our investment goals. I truly appreciate their dedication, communication, and ability to get things done when it mattered most. If you’re a business owner or investor looking for funding, I highly recommend Express Capital Funding. They’re a great team to have in your corner!
reviewer image
5.0 stars
|
3 months ago
Express Capital Financing has been an absolute game changer for my business. I honestly didn't realize how much I needed a lending partner like them until I experienced the difference firsthand. After working with my previous lender for over three years and completing multiple successful deals, my most recent project was unexpectedly denied because I couldn't meet the reserve requirement following a temporary downturn in my business finances. It was incredibly discouraging. Then Isaac from Express Capital Financing reached out to me with information about their lending programs. After listening to my situation, he didn't just treat me like another application—he genuinely wanted to help. He moved quickly to get my loan pre-approved through underwriting and into processing, giving me hope when I needed it most. The entire process has been fast, efficient, and incredibly well organized. I especially appreciated the automated email updates that kept me informed every step of the way, so I always knew exactly where my loan stood. In fact, I was so impressed with the experience that before even writing this review, I submitted a second deal—and it's already in processing! I invest in a unique market with relatively low property values, something many lenders shy away from. Express Capital Financing took the time to understand my business model and found a way to make it work. If you're looking for a commercial lending partner that is responsive, professional, efficient, and truly invested in helping you succeed, I can't recommend Express Capital Financing enough. I'm incredibly grateful to Isaac and the entire ECF team, and I look forward to doing many more deals with them in the future. -Lending Hands Properties LLC (Owner)
reviewer image
5.0 stars
|
5 months ago
Reviewed by Mina Abubakar Sherif
Abe is honestly of the best loan officers I have ever worked with! He makes the process as smooth as buying a home can be and explains each step of the process in a way that helps you understand what is going on. I've gained so much knowledge about the industry and my investments working with him! I've recommended him to multiple of my friends & family members and we've all had a pleasant experience with him! HIGHLY recommend
reviewer image
5.0 stars
|
6 months ago
Reviewed by GST Torres
Working with Steven Scorsone and Natasha Rampersaud at Express Capital was an outstanding experience from start to finish. Their professionalism, communication, and dedication made closing our deal on smooth and stress-free. Steven was knowledgeable, patient, and always available to answer questions, while Natasha’s organization and attention to detail kept everything moving efficiently and on schedule. They truly went above and beyond to make sure this deal got done. In real estate, having the right lender is everything, and Steven and Natasha proved exactly that. I’m incredibly grateful for their hard work and highly recommend them to anyone looking for a team they can trust. Looking forward to doing many more deals together in the future!!!
reviewer image
5.0 stars
|
a year ago
Reviewed by Peter Troffa
⭐️⭐️⭐️⭐️⭐️ Working with John Sitoropoulos has been an excellent experience! This was my first deal with him, and I was thoroughly impressed by how smooth and professional the entire process was. John is extremely thorough, always takes the time to explain everything clearly, and responds quickly to any questions or concerns I had along the way. His communication and attention to detail really set him apart. I look forward to working on many more deals with him in the future!
reviewer image
5.0 stars
|
a year ago
Reviewed by Jason Brown
Abe Labaton was amazing! He took the time to listen to all of my specific needs for my realestate portfolio. He worked with me and his team to develop a game plan and then implemented the strategy quickly and professionally. He helped me with 9 loans, and we are working on another one. Abe’s help and knowledge about the financial industry has been invaluable! I highly recommend Mr. Labaton and his team at Express Capital Financing.
reviewer image
5.0 stars
|
a year ago
Reviewed by Alan Benard
Express Capital Financing served me well as a lender, and was very helpful through a difficult rehab project. Ben Shara was my broker and he was very helpful throughout the project with different options and solutions I had available to me. Always staying ahead of things and keeping next steps in focus to ensure I wasn't caught off guard by anything from a funding standpoint. Ben, thank you, and thank you to the whole Express Capital team. I look forward to working with you again.
reviewer image
5.0 stars
|
a year ago
Reviewed by Mitchell Livingston
Just closed this deal with Express Financial, very excited to bring this forgotten treasure back to life. Thanks to Martin Chera for his wealth of knowledge and commitment to helping his client succeed in real estate investment and acquisition. Because of his dedication to the business, The acquisition of this deal was painless. Martin and the team at Express financial definitely takes the complexity out of any deal. It’s an amazing feeling when you can actually call your lender directly and have a one on one conversation to answer any questions or even provide professional support to close your deals. Truly an amazing team. They make you feel like you’re apart of the family. Won’t stop working these guys. Looking forward to closing another deal this coming week Thanks to Express Capital Financial and Martin Chera for making my real estate dreams a reality.

Our Team


Martin Chera