About Express Capital FundingExpress 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 DoWe 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 ServeExpress 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 moreWhy 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 TodayReady 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.
Written by the business, not verified by us.Express Capital Funding (www.expresscapital.com) has a 4.9 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 96% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-28.
Reviewers overwhelmingly had a great experience with this company and consistently highlight the exceptional support provided. Customers frequently praise the helpful staff for going above and beyond to understand business needs and find tailored financing solutions. Many consumers emphasize that representatives are extremely professional, attentive, and genuinely dedicated to achieving the best possible financial outcomes. Reviewers often note that the funding process is remarkably quick, smooth, and easy to navigate during urgent financial situations. People appreciate the clear communication regarding loan terms and value having direct access to knowledgeable decision-makers who make everything stress-free. Clients frequently express a strong willingness to return for future financial needs and confidently recommend the services to others.
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Thank you for the kind words and the 5-star rating! We're glad to hear our team made the process fast, easy, and straightforward for you. We appreciate your support!
Justin professionally conducts himself well; efficient to his duties that when I reached out to him that I am in bad need of money for Payroll, he processed it as he promised he would. Justin will be the person I can count on for my business financial need.
Thank you for the great review! We're thrilled that Justin acted quickly to take care of your urgent payroll needs. We appreciate your trust in him and Express Capital Funding, and we're always here when you need us.
Personnel were very helpful. The process was very smooth.
We really appreciate you taking the time to share your experience! Making our funding process as simple and supportive as possible is always our goal. Thank you for your kind words and your business!
The funding was there when we needed it on short notice . Done stream lined without a bunch of wasted time.
We appreciate the 5-star rating! It’s great to hear our streamlined process helped you secure funding quickly. Thank you for your business!
We really appreciate you taking the time to share your experience! Making the process quick and seamless is a top priority, and it's great to know Jon delivered just that for you. Thank you for your business!
Jon was helpful and constructive helping us to make the decisions we had to make. He was patient, answered all of our questions and followed up to assist us in our decision-making process until we conclude the deal
Thank you so much for the 5-star review! We are so glad to hear that Jon was helpful, patient, and constructive throughout your entire decision-making process. Taking the time to answer every question and stay by your side until the deal was complete is exactly what we strive for. We truly appreciate your trust in Express Capital Funding!
Jon did a great job of clearly explaining the terms of the financing.
Thank you for the kind words and the 5-star rating! We're glad to hear Jon provided clear and helpful guidance throughout your financing process. Thank you for choosing us!
Justin was very in tune to our need and goals, understood the dynamics of our business and was very patience when explaining our options.
Thank you so much for the 5-star review! We strive to truly understand our clients' unique goals and needs, so it’s wonderful to hear that Justin delivered just that. We always appreciate a pleasure to work with, and we'll be sure to pass your kind words along to him. Thank you for choosing Express Capital Funding!
Justin was a great creator of my finances and help me get a loan. Which helped my business out.We're a tough time.
We truly appreciate you taking the time to share your experience. Navigating challenging times can be tough, and we're thrilled that Justin's expertise helped guide you through the process and secure the funding your business required. Thank you for trusting us to help you move forward!
The initial representative was very helpful and communicated all that was needed up front in terms of documentation. The underwriting team was responsive and informative about the loan terms. Great experience.
Thank you for the kind words and the 5-star rating! We're glad to hear our team kept you well-informed and made the loan process seamless. Thank you for choosing Express Capital Funding!
We appreciate the kind words! It was a pleasure serving you, and we’re glad to hear you had a great experience.
Working with Jess is key. Along with the flexible, custome options. Great experience from the start!
Thank you for choosing Express Capital Funding! We’re pleased to hear that our custom, flexible options and Jess’s expertise helped provide a great experience. We appreciate your recommendation and look forward to working with you again.
We are thrilled to hear that you had a great experience working with the Express Capital team from start to finish. Providing a seamless process is always our top priority. We truly appreciate your business and look forward to partnering with you again in the future!
Very pleased with the service .
Thank you for the 5-star review! We are so glad to hear that you were pleased with our service. Providing a great experience is always our top priority. We appreciate your business and look forward to working with you again!
At Express Capital Funding, we take all feedback very seriously and always strive to provide a transparent, efficient experience. We have searched our records and are unfortunately unable to find any client or prospect under your name. We would love the opportunity to understand what happened and make things right if you did engage with us. Please reach out to our team at [email protected] so we can look into this for you immediately.
Jon, was so easy to work with. Process was so easy and fast. We didn't have to jump over hopes to get approved.
We’re thrilled to hear that Jon made the process fast, smooth, and hassle-free. At Express Capital, we believe getting the funding your business needs shouldn't feel like jumping through hoops. We appreciate your partnership and look forward to working with you again!
Jon, made the process super fast and easy for us. No haggle or anything just got it done. This company is by far the easiest to work with if you need additional funds for your company.
Thank you so much for the 5-star review! We pride ourselves on being the easiest and fastest direct lender to work with, so we love hearing that Jon got the job done for you without any hassle. Providing seamless access to working capital is exactly what we aim for. Thank you for choosing Express Capital to help fund your company's growth!
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, our needs and he developed solutions to help with our capital financing needs at great rates. The whole process was smooth. Express Capital are direct lenders so you are dealing directly with decision makers and someone that you can build a longer term financial relationship with. Mico and the Express Capital were great to work with, made the process smooth and got us funded at great rates. Well work checking them out if you are a small business.
Thank you so much for the 5-star review! We are thrilled to hear that Mico was able to provide the clarity and solutions you were looking for. We know how frustrating it can be to navigate less than ideal terms, which is why we prioritize our role as direct lenders. We are glad we could secure those great rates for you and look forward to supporting your business as it continues to grow!
Jon and Kamila were great to work with. Understood my needs and were able to structure financing to meet my needs.
Thank you so much for the 5-star review! We are thrilled to hear that Jon and Kamila were able to provide the personalized support you needed. At Express Capital, we know that every business has a unique story, so we take great pride in our ability to structure financing that truly aligns with our clients' specific goals. We appreciate your business and look forward to your continued success!
Thank you for the 5-star review! We know that in business, timing is everything, so we make being responsive a top priority. We're glad to hear we hit the mark for you. We appreciate your business!
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