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
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Replied to 100% of negative reviews
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Awesome company to work with!!
Jon, is awesome. Very honest and clear. These guys are one of the rare quick lenders in the industry who don’t kill you on interest and make sure your business can handle the loan they give out. Much appreciated Jon thank you for your help and patience.
August 28, 2023
Unprompted review
Reply from Express Capital Funding
Thank you for your feedback, Alber. We really appreciate you taking the time to let us know how we are doing. Please reach out if there is anything else we can do for you.
Excellent Service
The service is excellent and quick to remit the loan fund requested. David Felton is very attentive to his client requests and questions.
August 16, 2023
Reply from Express Capital Funding
Thank you for your review! We are here to serve you and help in any way we can. Please let us know if there is anything else you need!
Loan Flexibility
The way they took the time to explain the terms and the options and flexibility of their program.
August 17, 2023
Reply from Express Capital Funding
Thank you for your feedback, Phillip. We are here to answer any other questions you may have. Please do not hesitate to reach out if you need anything at all.
Reply from Express Capital Funding
Thank you for the feedback Marcelo!
Reply from Express Capital Funding
Thanks for the review, Derek. We appreciate you letting us know how we are doing. Please let us know if there is anything you need.
Great Customer Service
Jon discussed our firm's needs and what we were looking for. He had to go the extra mile going up the chain of command to get what we needed approved by others. His efforts were successful!!
August 3, 2023
Reply from Express Capital Funding
Thank you for your feedback, Dana. We appreciate you taking the time to let us know how how our customer service is. Please let us know if there is anything else we can do.
Christian exhibited the WOW FACTOR!
Christian exhibited the WOW FACTOR!! He answered every single question with patience and kindness. He was very knowledgeable and was able to put us at ease.
August 2, 2023
Reply from Express Capital Funding
Thank you for your feedback, Susie. We are here to walk you through every step of the way. Please reach out with any additional questions or needs.
Express capital made getting funds for our small business easy
Gil at Express Capital made our experience easy and fast. Our small business was funded giving us capital for merchandise to expand. Thank you.
August 1, 2023
Reply from Express Capital Funding
Thanks for your review, Jennifer. We are glad to hear that you are happy and excited for your expansion plans! Please let us know if you need anything else.
The honesty and straightforwardness .
July 20, 2023
Reply from Express Capital Funding
Thank you for your feedback, Ray. We are always here to walk our clients through step-by-step and answer any questions. Please let us know if there is anything else we can do for you.
Really good company fast service
July 24, 2023
Reply from Express Capital Funding
Thanks for the review, James. We appreciate your feedback. Please let us know if there is anything we can do for you.
Erick is always efficient and helpful
Erick is always efficient and helpful. I’m lucky to have him as our agent
July 20, 2023
Reply from Express Capital Funding
Thanks for your review, John! We appreciate your feedback and are happy to help in any way we can.
The process was very easy and painless
The process was very easy and painless. thank you for your help!
July 17, 2023
Reply from Express Capital Funding
Hi Benjamin, thank you for your review. We are happy to help! Please let us know if there is anything else we can do for you.
Great to do business with!
Worked with David. Could not have been more helpful. Told him what I needed and within 1 day was done. Highly recommend this company!
July 17, 2023
Reply from Express Capital Funding
Thank you for your feedback, John. We appreciate you taking the time to let us know how we are doing! Please let us know if there is anything else we can do for you.
It’s a alright place. Would definitely recommend a local bank instead of this one
If you need the funds fast then this is the place but if you want to save on interest I would definitely choose a local bank. Local
Banks are more organized then this one
May 8, 2023
Reply from Express Capital Funding
Thank you for your review Shawn. I am happy to hear that we were fast. However, we certainly strive to be much better than an "Alright place." Our credit lines are flexible and cost effective when working independently or in conjunction with local banks. One of the best aspects of our program is our customization. We can structure a program specifically for your business allowing you to save money by paying off early when your receivables are collected. I want to make sure that if you choose us for future funding needs, we can provide the perfect program for you, and we can redeem ourselves to a 5-star level!
AMAZING CUSTOMER SERVICE
Jon always goes above and beyond to help me with funding for our business. He has great customer service, and we are very thankful for all he does for us. The service team is excellent our request is always handled and processed in 24 hours or less. They always make us feel important, and that they appreciate us and our business. Great team, and trustworthy!!! They are here to support the little businesses for sure!
July 14, 2023
Reply from Express Capital Funding
Thank you for your valuable feedback Sara. Your business is very important to us and we are glad that comes across. Our purpose and mission is to support businesses like yours. Please let us know if there is anything else you need.
Nice and efficient help
Nice and efficient help. Great Communications, timley funding, friendly advisors,
July 10, 2023
Reply from Express Capital Funding
Thank you for your thoughtful review, Thomas. Our goal is to always get you the funds as soon as possible. Please let us know if you need anything else.
Very good experience
Had a very streamlined process. Dan was great- communicated, answered questions, facilitated every step. No pressure assistance. Looking forward to working with Express Capital again as I grow my business.
June 30, 2023
Reply from Express Capital Funding
Thank you for the excellent feedback Ronald. It is our pleasure to answer any questions you may have. Please reach out if you need anything else.
Christian is on top of his job
Christian is on top of his job
Very professional and efficient
June 30, 2023
Reply from Express Capital Funding
Thank you for the great feedback Dawn. Please let us know if you need help with anything.
Jess was very professional from the…
Jess was very professional from the start. Very thorough in his approach and explained everything through the whole process. Very pleasant experience dealing with this company.
June 29, 2023
Unprompted review
Reply from Express Capital Funding
We appreciate your review Alex. Please let us know if you have any additional questions and we look forward to working with you in the future.
They were prompt and thoughtful about…
They were prompt and thoughtful about my needs. Jon was great with everything! I use them again for sure!
June 29, 2023
Reply from Express Capital Funding
Thanks for your encouraging feedback. We look forward to working with you. Feel free to reach out if you need anything!
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