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
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Replied to 100% of negative reviews
Typically replies within 48 hours
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Reply from Express Capital Funding
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
Jon was great to work with. He stayed on top of getting us over the finish line and was a pleasure to work with.
25 February 2026
Unprompted review
Reply from Express Capital Funding
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
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!
19 February 2026
Reply from Express Capital Funding
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…
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!!
13 February 2026
Unprompted review
Reply from Express Capital Funding
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…
my funding Advisor is very clear on advice and options
very understanding.
31 January 2026
Reply from Express Capital Funding
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!
Frist class service and very detailed.
30 January 2026
Reply from Express Capital Funding
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 quickly
Gil was efficient and quick. He follows up with us and was available at our time of need
29 December 2025
Unprompted review
Reply from Express Capital Funding
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!
Capital Express
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.
29 December 2025
Reply from Express Capital Funding
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
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!
17 December 2025
Reply from Express Capital Funding
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…
They provide a great service to small businesses seeking all types of funding. Lots of resources at their disposal and they are very informative.
19 November 2025
Unprompted review
Reply from Express Capital Funding
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
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!
13 November 2025
Reply from Express Capital Funding
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.
They made the process quick and easy
They made the process quick and easy. Liz is fabulous and made the process painless. Will be using them again, if needed.
31 October 2025
Reply from Express Capital Funding
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.
Excellent service from Dylan Mullaney
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!
20 October 2025
Unprompted review
Reply from Express Capital Funding
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.
Good punctual communication
Good punctual communication, fast service, and follow-through after the loan. Thank you!
28 October 2025
Reply from Express Capital Funding
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.
The best Lona company ever. Thanks Mr Dan for everything. I will always continue to do business with you in the future.
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.
28 October 2025
Unprompted review
Reply from Express Capital Funding
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!
Great follow through and communication.
8 October 2025
Reply from Express Capital Funding
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…
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.
1 September 2025
Unprompted review
Reply from Express Capital Funding
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 customerservice@expresscapital.com
This company is everything they say they are.
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.
28 August 2025
Unprompted review
Reply from Express Capital Funding
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…
The process was smooth and not complicated. Funds were disbursed on time. My experience was great.
25 August 2025
Reply from Express Capital Funding
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.
Highly Recommend Express Capital Funding
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.
22 August 2025
Reply from Express Capital Funding
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.
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