Express Capital Financing is a nationwide hard money lender specializing in commercial real estate loans for fix-and-flip projects, DSCR loans, and construction financing from $150K to $10M.
Data compiled from public sources · Google rating shown when a stored review count is available
Express Capital Financing operates as a direct hard money lender focused exclusively on commercial real estate investment financing. Founded as one of the fastest-growing nationwide providers in the hard money lending space, the company has funded over $1 billion in projects for more than 2,500 clients. Their business model targets real estate investors, property developers, and commercial operators who need flexible, fast-closing financing outside traditional banking channels.
The company offers a listed suite of seven distinct loan programs: Fix & Flip Loans, DSCR (Debt Service Coverage Ratio) Loans, DSCR Portfolio Loans, Ground Up Construction Loans, Multi-Family and Mixed-Use Bridge Loans, Lite Doc Commercial Mortgages, and Full Doc Commercial Mortgages. Loan amounts range from $150,000 to $10 million. Their stated application process includes four stages: discussing goals with a loan officer, receiving a customized quote, document collection and review, and funding. The company emphasizes their willingness to work with borrowers who have less-than-perfect credit, unique property types, or unconventional financial situations.
Express Capital Financing distinguishes itself through claims of quick funding timelines, higher leverage options compared to traditional lenders, flexibility in loan structures, and a consultative approach to underwriting. They highlight transparency in their process, personalized loan structuring, and support for deals that conventional lenders may decline. The company provides additional resources including deal calculators, case studies, webinars, and a broker partnership program with dedicated broker resources.
As a hard money lender, Express Capital Financing caters to a specific market segment—real estate investors and developers rather than consumers seeking personal or small business loans. Their stated 95% application approval rate and emphasis on asset-based lending suggest a focus on deal quality and collateral value rather than traditional creditworthiness metrics. However, hard money loans typically carry higher interest rates and fees than conventional financing, which is not transparently disclosed on their website.
This is state-level context for Business Loans consumers in Brooklyn, NY. It does not confirm that Express Capital Financing or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Status: Permitted
Rate context: 16% civil usury cap; licensed lenders may negotiate rates for certain loan types
Personal loans from licensed lenders are permitted. Unlicensed lenders are subject to the 16% civil usury cap unless a specific exemption applies. Rates above 16% are civil usury; rates above 25% are criminal usury.
Status: Permitted
Rate context: 16% civil usury cap for unlicensed lenders; licensed lenders may negotiate rates under Banking Law
Installment loans are legal in New York. Licensed lenders have greater flexibility in rate negotiation; unlicensed lenders are subject to the 16% civil usury cap. Consumer Protection Act (Gen. Bus. Law Article 22-A) requires clear disclosure of all terms.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Express Capital Financing offers 12 services including Fix & Flip Loans for renovation and resale projects, DSCR Loans based on property income rather than personal credit, DSCR Portfolio Loans for multiple properties, Ground Up Construction Loans for new development projects, Multi-Family and Mixed-Use Bridge Loans, and 7 more.
Express Capital Financing has profile signals associated with Real estate investors and house flippers seeking short-term bridge or fix-and-flip financing, Commercial property developers and multi-family operators needing construction or acquisition loans, Investors with non-traditional credit profiles or properties that don't qualify for conventional mortgages, Portfolio builders looking for DSCR-based financing on rental properties or mixed-use developments.
Key strengths: Loan amounts up to $10 million accommodate larger commercial real estate projects; Seven listed loan programs designed for different real estate investment strategies (fix-and-flip, DSCR, construction, bridge loans); Stated willingness to work with borrowers with less-than-perfect credit and non-traditional situations. Areas to consider: No specific interest rates, APRs, or fee structures disclosed on website—borrowers must inquire directly; Hard money lending typically carries significantly higher costs than conventional mortgages, not clearly explained.
In the Business Loans category, comparable providers include California Lending Company, Check N Title Loans, San Diego Mortgage Lending Solutions - C2 Financial. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Express Capital Financing is built specifically for real estate investors and commercial developers who need flexible, fast-closing financing for projects that traditional banks decline or move too slowly on. The primary caveat is that hard money loans are expensive relative to conventional mortgages—interest rates and fees are not disclosed upfront and borrowers should expect significantly higher carrying costs than bank financing.
California Lending Company is a BBB A+ rated mortgage brokerage offering home purchase loans, refinancing, and multiple loan programs across California.
Google rating from 65 reviews
Profile signals: California homebuyers with non-traditional income or credit profiles seeking Bank Statement or Non-QM loans, Military service members and veterans exploring VA Loan refinancing and IRRRL options
Check N Title Loans Dallas, TX — Check N Title Loans offers title loans up to $50,000 and cash advances up to $1,500 with provider-stated funding timing through onlin...
Google rating from 1,502 reviews
Profile signals: Vehicle owners facing unexpected short-term cash needs who want to keep their car, Consumers seeking faster funding than traditional personal loans and willing to pay collateral-based rates
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 125 reviews
Profile signals: Consumers in San Diego, California looking for personal lending services, People who prefer working with a local personal lending provider
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Learn exactly how credit score tiers work, what range you fall into, and the specific steps to move up to the next tier where better rates and approvals wait.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →A plain-language breakdown of every factor that goes into your credit score, with specific steps to improve each one even if you're starting from a tough spot.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Express Capital Financing and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.