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.
Auto-generated from all reviews of this business. For reference only.They made the process quick and easy. Liz is fabulous and made the process painless. Will be using them again, if needed.
That's wonderful to hear! We strive to make the process quick, easy, and painless. We're especially glad that Liz made such a fabulous impression on you. We truly value clients who plan to return, and we look forward to working with you again in the future! Thank you for the 5-star feedback.
Good punctual communication, fast service, and follow-through after the loan. Thank you!
We're absolutely thrilled to receive your feedback! Providing punctual communication and fast service is a top priority for our team, as we know how important speed is when seeking financing. We're especially glad to hear that our follow-through after the loan met your expectations. We look forward to assisting you with any future financing needs.
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 current needs. Dylan made a point of learning all he could about my business so he could match me with a loan that would help my immediate situation but also give me some flexibility in the future. I felt like Dylan truly cared about my business and getting me the best solution available. Highly recommend!
Thank you so much for taking the time to share this truly outstanding and detailed review. We appreciate you highlighting the reality of cash flow challenges for small business owners, that's why personalized solutions are so central to our mission. We couldn't be prouder to hear that Dylan went above and beyond for you. We'll be sure to share this well-deserved recognition with Dylan! It was our pleasure to help you find the best path forward.
Where do I start from? I want to say thank you to an awesome gentleman Mr. Dan thank you for all your effort. Thank you for your patience. Thank you for your encouraging words. This experience was one of the best experience I’ve ever had working with an individual trying to get a loan, I cannot tell you how much grateful and satisfy. I am working with this man. I will refer him and this company to anybody who needs help. Best experience ever. Thank you. You deserve more than a reading. You deserve the best ever in this company. Thank you so much.
Wow, this review truly made our day! Thank you so much for taking the time to share your incredible experience. We are absolutely thrilled to hear that Dan provided you with the patience, effort, and encouragement needed to make your loan process the "best experience ever." Your feedback means the world to us, and we will ensure Dan receives this well-deserved recognition. We appreciate your high recommendation and are grateful to have you as a satisfied client!
Thank you for the 5-star feedback! Keeping our clients informed and on track is a top priority, and we appreciate you recognizing our efforts. We're here anytime you need us again!
this company is fraud because they lend me money on merchant advance and get my personal gaurantee without told me. unfortunatlly i was asking to give me more term andthey giving me treath to go persoanl leggal process. agent Mathew i asked you that no personal gaurnetee you told us it is just verify ID. you guys are lier. they put 5 star review by self. its not me.
We're sorry to hear that you had a negative experience. We understand your frustration, and we want to address your concerns directly. We take the review and funding process very seriously and work hard to ensure that all terms, including personal guarantees, are clearly communicated and agreed upon before any funds are disbursed. These documents are a standard part of our agreements and are thoroughly reviewed with every client to verify their understanding. When a client defaults on a payment, our process is to attempt to work with them on a new payment plan. We don't take the decision to pursue further legal action lightly, and it's a step we take only after all other options have been exhausted. This is always done in accordance with the terms of the agreement that was signed. We also want to clarify the review process on Trustpilot. The platform's technology and verification system ensures that reviews can only be left by genuine customers who have had a direct experience with our company. It's not possible for Express Capital or any company to post its own 5-star reviews. We value your business and wish we could have found a more amicable solution. If you'd like to discuss your account in more detail, please feel free to contact us at [email protected]
My experience with the company was excellent. From the beginning, everything was handled with professionalism and care. Anthony G. explained the process thoroughly and ensured that all commitments were met. He went above and beyond to make the experience smooth and stress-free. Based on my experience, I would confidently recommend this company to others.
Thank you for your excellent review! We're thrilled to hear that your experience with Express Capital was so positive, and that Anthony provided you with such a professional, caring, and stress-free process. We'll be sure to pass along your kind words to him. We truly appreciate your confidence in recommending us to others!
The process was smooth and not complicated. Funds were disbursed on time. My experience was great.
Thanks for the great review! We're delighted to hear that you had a great experience with Express Capital and that our process was smooth and the funds were deposited on time.
Express Capital Funding feels like working with a trusted friend. Our rep was Matthew and he was excellent. He was extremely professional and he made it feel like he was truly working hard for our benefit. It's nice to deal with a company that feels like it has values and isn't entirely automated with no human intervention.
We appreciate you taking the time to share your experience. It's fantastic to hear that Matthew was so professional and dedicated, and that you felt his effort was genuinely for your benefit. We're delighted to have provided a service that felt personal and trustworthy, and we'll be sure to pass along your kind words to Matthew.
What a wonderful experience in less than 24 hours I was approved and funded! Gil and Pablo made the process very easy for my restaurant to receive the necessary funds! Thanks again!
Thanks for the amazing review! We're delighted to hear that Gil and Pablo made the process easy and your restaurant was approved AND funded in less than 24 hours. We appreciate your feedback!
Roger Batres is a excellent person to work with. He goes above & beyond to help you. He does follow up phone calls to let you know how the process is going. Communication is the key & letting the customer know that yes I am able to help you or no I'm not able to help. Roger was just straight forward & said he was able to help. He introduce himself & his job title & ask how is your day. In todays world that means a lot because most people don't care. I surely locked his number in my phone because If I ever need anything else I will be calling Roger. Roger also got me the amount of funds that I was looking for & made sure I was aware that more funds was available if I need it. I just only took what I needed. He explained the payment terms & got me the funds quickly. My pleasure working with you Roger. Thanks!
Thank you so much for this incredible and detailed review! We're absolutely thrilled to hear about your experience working with Roger. This kind of feedback highlights exactly what we value in our team. We'll be sure to pass along your kind words to Roger, letting him know that his professional, caring approach and dedication to clear communication made such a positive and lasting impression. We're delighted he was able to go above and beyond to secure the exact funds you were looking for, and gave you options for future funds. We look forward to working with you again when the time comes!
As a new customer, we appreciate timely responses and clear communication throughout the financing process. The ease of process and helpfulness and most importantly overcoming challenges and finding solutions. Mico Steenhard, Funding Advisor met these requirements. He exceeded my expectations and highly recommend him!
We truly appreciate you sharing your experience as a new customer! It's wonderful to hear that the ease of our process, the helpfulness of our team, and our ability to overcome challenges were key to your satisfaction. We're so proud Mico was able to deliver such timely responses and clear communication. Thank you for your recommendation!
Good service and faster. Professional services
Thanks so much for your kind words. We appreciate your business and look forward to our partnership!
Very fast and efficient. Paid attention to every detail. Received money very quickly.
Thanks for the great review! We're delighted to hear that the Express Capital team was fast, efficient, and that you received your money quickly.
Staff Was great
We love to hear that! Providing great service and a funding solution that works for your business is our top priority.
Working with Dylan was great! He talked me through the process, helped me to submit all needed documentation, explained the terms in easy to understand language, and helped me to get the loan I needed to take away the stress of waiting for larger payments from completed projects needed to cover payroll and vendor payments. I highly recommend Express Capital funding!
Thank you so much for your incredibly detailed and positive review! We're thrilled to hear that working with Dylan was such a great experience for you. Providing that peace of mind is exactly what we aim for, and we truly appreciate your high recommendation of Express Capital Funding!
Express Capital is the best lender I know of!! Mico did great job with process. Reliable and communication is how a I describe Mico. Thank you Mico!
Thank you for the amazing review! We're so happy to hear you had such a positive experience with Mico and consider Express Capital the best. Mico's reliability and communication are qualities we value and expect from our funding advisors!
There has been no access to see my actual loan documents, balance, or payment options (despite several requests), and I was advised I have to email my rep to do an early payoff. They charged $1050 interest on the same day the money hit my account. I would recommend another company without so many shady business practices.
Thank you for taking the time to share your feedback. We are truly sorry to hear that your experience with Express Capital did not meet your expectations, and we understand your frustration regarding the points you've raised. We pride ourselves on transparency and clear communication throughout the loan process. Our records indicate that the $1050 fee was explicitly discussed with you and clearly communicated as the discounted early repayment cost of the loan, not an interest payment. We aim to ensure all clients fully understand the terms of their agreement. Regarding access to loan documents, balance, and payment options, we understand the importance of having this information readily available. While we currently facilitate early payoff requests through direct communication with your dedicated representative to ensure accuracy and personalized assistance, we are always reviewing our processes to enhance client convenience and accessibility to information. Our Sales Manager has been in contact, and we are committed to resolving any outstanding concerns you may have. We would appreciate the opportunity to discuss this further with you directly to ensure all your questions are answered and to clarify any misunderstandings. Please do not hesitate to reach out to our Sales Manager or your dedicated funding rep at your earliest convenience. We value your business and are dedicated to providing excellent service.
Gil was awesome! The process was easy and he went above and beyond to ensure we found the right funding to fit my business needs
Awesome! Thanks for the wonderful review. We're so glad Gil made the process easy and ensured you received the right funding for your business!
It was a great experience, very satisfy. I will highly recommend Jon. He was good and kept his words as he explained us the entire process and options.
Thanks for the excellent review! We're so glad you had a great experience and were highly satisfied with Jon's clear explanations and reliability. Your recommendation means a lot to us!
100 reviews matching
