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.
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Is Express Capital Funding legit?
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.
What reviewers say
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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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Great experience with Express Capital!
I just received my second round of funding with them.
Justin, Pablo, and Brian are the Best! A pleasure working with!
Reply from Express Capital Funding2026-04-29
Thank you so much for the 5-star review! We are honored to have supported you through your second round of funding. Justin, Pablo, and Brian will be thrilled to hear your kind words — they truly enjoy being part of your business's growth. We appreciate your continued trust in Express Capital and look forward to the next milestone together!
Before you need it, develope a lending partner for the future of your business
Its great to have a business lender that knows you as a small business, understands your needs, and works with you to find solutions that fit. I have been workig to grow and develope our business credit for years with Express Capital FUnding and have consistently been satisfied with the requirements for qualification and the follow up that comes after the deposit to make sure our needs are being met as we grow and evolve.
Reply from Express Capital Funding2026-04-27
Thank you so much for your loyalty over the years! We are incredibly proud to have supported your journey in building and developing your business credit. At Express Capital, we don't just stop at the deposit — we believe that the follow-up and evolving with your needs is what a true partnership is all about. We look forward to many more years of growth together!
Express emailed me and I am looking for bridge funding, so I thought I would give them a call. Morons. I spoke to a sales rep by phone for only a few minutes before realizing that they are just another collection of con artists. They don't know business financing at all. Their job is to know the difference between three-digit numbers that begin with 6 versus those that begin with 7. Give me a chimpanzee and a stalk of bananas and I can teach him that job in about ten minutes.
Reply from Express Capital Funding2026-04-27
Thank you for sharing your feedback. We take all reviews seriously as we strive to provide 5-star service to every business owner we speak with.
After a thorough search of our records, we are unable to find any history of a conversation or interaction with you. We often find that our company is confused with other businesses that have "Express" in their name, and it sounds like that may be the case here.
Our team is highly experienced in business financing and takes pride in providing professional, knowledgeable guidance on bridge funding and other capital options. We truly care about our clients and the success of their businesses.
If you would like to discuss this further or are still looking for funding solutions for your business, please feel free to reach out to us directly at [email protected] so we can ensure you are speaking with the correct team at Express Capital Funding.
Thank you for the 5-star review! We are so happy to hear that you experienced excellent service and care from our team. We appreciate your business and look forward to working with you again!
I had a great experience working with Roger while securing a business loan! He was incredibly helpful throughout the entire process and stayed on top of every question I had, no matter how small. I always felt like he had my best interests in mind, which made the experience much less stressful. His communication was excellent—clear, timely, and consistent. I truly appreciate his support and would highly recommend him to anyone looking for assistance with a business loan!!
Reply from Express Capital Funding2026-04-01
Thank you so much for the 5-star review! We are thrilled to hear that Roger provided the clear, timely, and consistent communication you needed to make the process stress-free.
At Express Capital, we always aim to act as a true partner with our clients' best interests at heart, so it’s wonderful to know you felt supported every step of the way. We truly appreciate your high recommendation and look forward to assisting you again in the future!
I’ve been using express for a few years to fund payroll during slow times or when jobs extend longer then cash flow allows. It’s been a great experience and Roger has been extremely helpful.
Reply from Express Capital Funding2026-03-20
Thank you so much for the 5-star review! We truly value our long-term partnership with you and are glad to hear that Roger has been such a consistent resource over the years.
We know how vital steady cash flow is for managing payroll and project timelines, and we’re proud to be the partner you can count on during those cycles. We look forward to supporting your business for many more years to come!
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 responsive, always ready to pick up the phone. Excellent service with great terms. Couldn't ask for a better working partner than Roger! Thank you again for being of service to our business!
Reply from Express Capital Funding2026-03-19
We are thrilled to hear that Roger has become such a valued partner for your business.
At Express Capital, we strive to provide that built-in partner experience through clear communication and responsiveness, so it’s wonderful to know Roger has hit the mark for you. We truly appreciate your trust in us and look forward to supporting your business's continued growth and success. Thank you for the partnership!
Good process, communications, and guidance from Jon Kulesza.
Reply from Express Capital Funding2026-03-17
Thank you for the feedback! We are glad to hear that Jon provided the clear communication and guidance you needed throughout the process. Providing a smooth, well-supported experience is exactly what we strive for at Express Capital. We appreciate your business!
Jon was great to work with. He stayed on top of getting us over the finish line and was a pleasure to work with.
Reply from Express Capital Funding2026-02-26
Thank you for the 5-star review. It’s great to hear that Jon stayed on top of every detail to ensure everything went smoothly. Getting our clients over that finish line and seeing their businesses funded is exactly what we strive for.
We’ll be sure to share the win with Jon — he’ll be thrilled to know he made the process a pleasure for you. Thanks for choosing Express Capital!
Express capital is great! I worked with Jon, who was a pleasure to work with. He understood, and helped me understand why we needed to keep growing our business. I won’t work with any other company in the future. Jon is our guy when it comes to financial needs and advice!
Reply from Express Capital Funding2026-02-19
Wow, thank you for such an incredible vote of confidence!
We are so happy to hear that Jon has become your go-to guy for financial advice and needs. At Express Capital, we don't just want to provide funding; we want to help your business reach its full potential.
Knowing that we’ve earned your exclusive trust for the future means the world to us. We’ll be sure Jon sees this — he’ll be proud to know he's hitting the mark for you. Cheers to your continued growth!
I am very happy with the business I am doing with Express Capital. John has taken care of me and made sure I understood the process. Great people!!
Reply from Express Capital Funding2026-02-18
We are so glad to hear you’re happy with the partnership!
Jon always makes it a priority to ensure our clients feel confident and fully understand every step of the process. We truly believe that a well-informed client is a successful one. We’ll be sure to share your shout-out with the whole team as it means a lot to us. Thanks for choosing Express Capital!
my funding Advisor is very clear on advice and options
very understanding.
Reply from Express Capital Funding2026-02-02
Thank you for sharing your experience! We’re so glad to hear that your funding advisor provided the clarity and empathy you deserve. We know that navigating financing options can be stressful, so we aim to be as clear and understanding as possible to help you make the best decision for your business. We’ll be sure to pass your kind words along to the team!
We truly appreciate the 5-star rating! Providing first-class service is our top priority, and we believe that attention to detail is what sets a great funding experience apart from a good one. We look forward to working with you again!
Gil was efficient and quick. He follows up with us and was available at our time of need
Reply from Express Capital Funding2026-01-07
Thank you for the 5-star review! We are so glad to hear that Gil provided such an efficient and quick experience for you.
At Express Capital, we pride ourselves on being available at our clients' time of need, and it’s wonderful to know that Gil’s consistent follow-up and support made a difference. We believe that reliable communication is the foundation of a great partnership.
We appreciate your business and look forward to continuing to support your goals!
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 Capital worked with us to find the product that made sense. We plan on always reaching our to Express Capital for any future needs.
Reply from Express Capital Funding2026-01-02
Thank you for sharing this incredible, detailed feedback! We truly understand the challenge of securing necessary funding as a new business, and we are so proud that we were able to provide the solution you needed.
We are thrilled that Express Capital worked closely with you to find a product with terms that specifically made sense for your cash flow, overcoming the reluctance of other lenders. Our goal is always to find the right, sustainable fit for our clients.
Knowing that you plan on reaching out to Express Capital for any future needs is the highest possible compliment. We are dedicated to building that reliable, long-term relationship with your business!
In business - communication is key. Express Capital walked us through every step - personally! The process was easy because we understood all the details.
We will be building a relationship with them! This is rare in today’s world. We’re thankful for their help!
Reply from Express Capital Funding2025-12-18
Thank you for this wonderful and insightful review! We couldn't agree more—in business, communication is absolutely key.
We are thrilled that you felt our team walked you through every step personally and made the process easy by ensuring you understood all the details. We strive to provide transparent, human service, and we are delighted to hear you recognize that commitment.
We are truly excited about the opportunity to build a long-term relationship with you! Thank you for choosing Express Capital.
They provide a great service to small businesses seeking all types of funding. Lots of resources at their disposal and they are very informative.
Reply from Express Capital Funding2025-11-19
Thank you for this wonderful 5-star review! We are committed to providing great service and being a valuable resource for small businesses seeking all types of funding.
We appreciate you choosing Express Capital!
I worked with Dylan Mullaney, excellent service, patient and very attentive when working with me. Lots of patience and expertise, this guy should get a raise!
Reply from Express Capital Funding2025-11-14
Thank you so much for taking the time to share your fantastic experience with us!
We are incredibly proud to hear about the excellent service, patience, and expertise you received from Dylan. Your feedback is the highest compliment he — and our whole team — could receive.
We appreciate you choosing Express Capital and are delighted that we could make the process so positive for you.
