Our team had a great experience with Mico Steenhard and the Express Capital Team. After weeks of dealing with brokers offering less than ideal terms, Mico took the time to learn about our business,... See more
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As a newly formed LLC, with very limited credit history under the current EIN, other lenders were reluctant to offer the amount needed with the terms that made sense for our cash flow. Express Capit... See more
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As a small business owner I am often faced with cash flow challenges. Dylan Mullaney at Express Capital understands this and went above and beyond to find a loan solution that perfectly fit my curren... See more
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Roger (AKA Grant) has always been super helpful in all of our business engagements. It's almost as he's a built in lender partner the way his communication has always placed us front and center. Super... See more
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Company details
About Express Capital Funding
Written by the company
About Express Capital Funding
Express Capital Funding is a direct lender providing fast, flexible working capital solutions to small and mid-sized businesses across the United States. Headquartered in Anaheim, California, and in operation since 2013, Express Capital Funding has built a trusted reputation as a go-to alternative to traditional bank financing — helping thousands of business owners get the funding they need, when they need it most.
What We Do
We specialize in short-term working capital loans and lines of credit designed to keep your business moving. Whether you need to cover payroll, fund a new project, purchase inventory, manage cash flow, handle emergency expenses, or seize a growth opportunity, Express Capital Funding delivers same-day funding so you never have to put your business on hold.
Funding amounts are tailored to your business's revenue, cash flow, and financial performance — not rigid, one-size-fits-all bank criteria.
Industries We Serve
Express Capital Funding works with businesses across a wide range of industries, including:
- Construction & Contracting
- Retail & E-Commerce
- Restaurants & Food Service
- Transportation & Logistics
- Healthcare & Medical Practices
- Professional Services
- And many more
Why Business Owners Choose Express Capital Funding
🏦 Direct Lender — We are not a broker. As a direct lender, we set our own terms and underwriting guidelines, giving us the flexibility to work with businesses that traditional banks and brokers often turn away.
⚡ Same-Day Funding — Apply in minutes. Once approved, funds are deposited the same business day so you can get back to running your business without delays.
📋 Simple Application Process — No lengthy paperwork, no business plan required, no collateral necessary. Just provide your last 6 months of business bank statements and we'll handle the rest.
✅ Accessible Eligibility — We evaluate each application on its own merits. If your business has been operating for at least 6 months and generates $90,000 or more in annual revenue, you may qualify — even with imperfect credit. We look at the full picture of your business, not just a credit score.
🤝 Personalized Service — Every client is paired with a dedicated Funding Specialist who provides expert guidance, clear communication, and transparent terms from application through funding. No surprises, no runaround.
💼 Built for Small Business — We understand the real challenges small business owners face. When banks say no, Express Capital Funding finds a way to say yes.
Get Funded Today
Ready to access the working capital your business deserves? Call us at (800) 301-9149 or apply online at expresscapital.com. Approvals are fast, funding is same-day, and our team is standing by to help.
Express Capital Funding — Small Business Lending Simplified.
Contact info
160 N. Riverview Dr, Suite 350, 92808, Anaheim, United States
- (800) 301-9149
- customercare@expresscapital.com
- www.expresscapital.com
4.8
Excellent
580 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 48 hours
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Christian has been wonderful
Christian has been wonderful! I’ve had nothing but great experiences with this company
June 27, 2023
Reply from Express Capital Funding
Thanks for your review Tara. We appreciate your positive feedback and look to servicing your future needs as well.
A quick text to our personal consultant…
A quick text to our personal consultant Chris, a reply within minutes to start the ball rolling on our second request. A couple hours later (Maybe less) we were advised of funding approval and as promised were in our bank shortly after midnight
June 28, 2023
Reply from Express Capital Funding
Thanks for your feedback Al! We strive to make it as easy and quick as possible for you.
No pressure
No pressure. They do need some sensitive information, but that is expected, after all it is their funds on the line that you are requesting to borrow. Contact has also been good. I would recommend working with Express.
June 29, 2023
Great service…high rates
May 24, 2023
Reply from Express Capital Funding
Thank you for your review, Thomas. We look forward to serving you again.
Reply from Express Capital Funding
Thank you for sharing your experience George. We aim to create partnerships with our customers based on ensuring that we find you the right solution.
Contact me several times over the last…
Contact me several times over the last two years was very polite and consistent.
And when I was ready, he was ready to help. And follow through with exactly what they said they would do. With very minimal difficulty.
Excellent service
June 16, 2023
Reply from Express Capital Funding
Hi Garret, Thanks for the review! We appreciate your feedback and we are here to serve our customers when they are ready and answer any questions in the meantime. We look forward to a great working relationship.
Jon Kulesza was extremely knowledgeable…
Jon Kulesza was extremely knowledgeable and professional. He worked with me from beginning to end, which I believe is a good thing. Clients don’t want to deal with 2,3 or 4 people because information can breakdown in the process.
Looking forward to doing additional business with Jon and Express as time travels on.
June 16, 2023
Reply from Express Capital Funding
Thank you for the awesome review, John!! We love hearing how helpful and smooth our process is. We look forward to serving you again on your next project!!
Jon is incredible very attentive
Jon is incredible very attentive, i am very satisfied with the service i received.
June 15, 2023
Unprompted review
Reply from Express Capital Funding
Thank you for your thoughtful review Gisele. We continue to strive towards providing personalized and excellent service. Please reach out with any future needs.
Wonderful company
June 9, 2023
Reply from Express Capital Funding
Thank you David! We appreciate the kind words.
Erick has been great to work with !!!
Erick has been great to work with, I have had 2 increases since I took out my first loan. I needed to increase my inventory and Express Capitol had no problem loaning me the money. I explained what I needed to do with the money, then Erick went to the head underwriter and explained to him and he said No problem to help my company out. I highly recommend Express Capitol and ask for Erick, he's a good guy !!!
June 7, 2023
Scam don't do it
Scam don't do it, called from a california number, then a south carolina number. Told me they needed 4 months bank statements on the phone,the email 2 minutes later said they needed 6 months.met requirements on the phone but found an excuse not to fund me next day. All of my financials were discussed wiyh agent prior to ny application submitted and prior to the email requesting 6 months bank statements, so your reply is invalid still a scam.Don't do it!!!
June 7, 2023
Unprompted review
Reply from Express Capital Funding
Dear Mr. Griffin,
Thank you for bringing this matter to our attention and we're sorry to hear you were frustrated with your experience.
As a commercial lender, the minimum funding amount we can provide is $5,000. Our records indicate that your business qualified for less, therefore we were unable to secure the approval. We requested the two additional statements attempting to increase the approval over the minimum threshold. Unfortunately, the minimum requirements were not met.
If you require any further clarification, please contact us directly at customerservice@expresscapital.com
They were honest and did what they said…
They were honest and did what they said they were going to do..I will definitely do future business with them..
June 9, 2023
Satisfied
David was very detailed on the qualification process and answered all my questions. All said and done I am very happy and surprised on how easy the whole process is. Received funds the same day. Thank you David.
June 5, 2023
David was great to work with
David was great to work with, he has good patience and communicates well. Thank you
June 2, 2023
Quick and painless
Dan made the transaction very quick and painless. He answered all of our questions, and disclosed everything upfront.
May 26, 2023
Unprompted review
Express was able to fund a small…
Express was able to fund a small requirement quickly ( within 12 hrs ) while I was traveling which was extremely important .
May 26, 2023
Great customer service!
Jake was knowledgeable and worked with our company to give us the best rates and quickest turn around time!
May 26, 2023
Well I kept this wild card just in…
Well I kept this wild card just in case. And it happened that $5,000.00 of my money went to PayPal that gladly took $149.50 up front. Then Paid my bank Chase $528.50. Now after 11 days I still cannot get my $5000.00. This emergency bridge saved my company a lot of embarrassment, and covered a overdrawn payment dam near. I thank John for saving my ass, and putting up with my puns. God Bless this Christian man. AMEN RA
May 23, 2023
As a business owner you need company…
As a business owner you need company and people you can trust. So far Chris with express capital has been excellent. He made the initial receiving of funds fast and easy. I’m looking forward to working with Chris for my future needs as my business grows. It is nice and refreshing to be able to trust a company that actually cares about your business and the future of your business.
March 1, 2023
Unprompted review
I was very impressed with Ben
I was very impressed with Ben! I appreciate all the attention he gave us!! He was prompt and very quick to turn things around for us!!
May 11, 2023
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