Fix and Flip Loans

We are nationwide direct lenders offering short-term financing for acquisition & rehab projects

Rental 360 Loans

Fast closings and competitive pricing for 1-4 SFR Investor Deals. No income verification required & No tax returns needed.

Bridge Loans

We offer bridge loan solutions to keep projects on track with loan amounts between $1M and $100M


It is truly an honor to work with Natasha and the team. Great people to work with. Simple paperwork, great help on every step and fast closings. I will highly recommend and use for future deals.

Sid S.

Straightforward financing partner who puts Investors’ success as their first priority. They have a network of credible service providers who all help to make a successful deal closing. Express Capital Financing is a knowledgeable and professional lender who has creative ways of financing – they drive deals to the closing table. Their values of honesty and reliability make a trusted financing partner.

Dynah K.

I am a real estate attorney with many investors. Martin Chera and his company provide a great service to investors. Express Capital Financing has a tremendous amount of loan products to choose from that are simple to access and competitively priced in the market. In addition, Marty and his two sons, David and Max provide free education and seminars geared to the real estate investor looking to succeed. You should not hesitate in at least contacting Express Capital Financing to explore what they can do for you in helping finance and build a profitable real estate portfolio.

Charles M.

Express Capital Financing is a top-rated financing company. Martin Chera helped us throughout the entire process; from acquisitions to financing and disposition. Express Capital Financing had a consultative approach and I highly recommend them as your real estate partners. Thanks Martin!

Wale S.

Express Capital Financing is an amazing Company with a great team of loan processing professionals
that will guide and educate you every step of the way. During our loan process, Simon, Natasha and David were extremely patient, knowledgeable and creative in making sure they got our deal to the Closing table. Natasha and Simon made themselves available throughout all hours of the day and evening via phone, text and email, to answer questions and put our mind at ease whenever obstacles or roadblocks came up. I even recall one time, David Chera conference called with us during his family vacation. If that’s not dedication, then I don’t know what is! I highly recommend Express Capital Financing and even more so recommend the top-notch services and support of Simon, Natasha and David.

Carl R.

Closed my first deal with Max and the Express Capital Financing team. They are great hard money lenders and were super attentive throughout the entire process. My appraisal came in low, however they managed to make my deal work with the original numbers. Thank you, Max and team. I appreciate you guys and will definitely be coming back to do more business with the Express Capital Financing team.

Leslie S.

I met Martin and his son David at an event last year and have heard excellent things about their company, Express Capital Financing. I decided to give them my 1st hard money deal; they closed in 10 days as promised. I’m extremely happy with the services provided and will definitely be recommending them going forward.

Nakita S.

From signing my pre-approval to the closing table…excellent customer service throughout. I’m happy I chose you guys as my long-term rental lender. I will definitely be looking into your hard money program now. Thank you, Max and David.

Amar H.

David & Natasha were a duo like I have never seen before. To think it was possible to get my loan closed easily without problems in just 6 business days! They left me speechless, wow. Will definitely be using Express Capital Financing for all my fix and flip deals.


I would first and foremost like to thank Natasha Rampersaud for her outstanding service and urgency. Whenever I am in need of assistance, she is always able to answer my call and in the rare instance she does not, she’s sure to get back to me right away. Working with Natasha and the Express Capital Financing team has been a pleasure and I look forward to working with them much more down the road. Highly recommended.

Shaquon M.

I closed my 1st loan with Martin Chera and his sons, David and Max Chera. I must say excellent customer service. Thank you, guys, for all your hard work.

Lupe G.

Simon, Natasha and David at Express Capital Financing are a phenomenal team. I closed three transactions within the past 5 months, and I look forward to closing many more. The process is smooth and straight forward; no surprises. Excellent communication and customer service! I highly recommend Express Capital Financing to be your hard money lender.

Samantha L.

The team at Express Capital Financing was fantastic to deal with and extremely responsive throughout the process. Their support was critical and some of the suggestions they made prior to closing helped to save me time and money. I am already looking to work with them on future hard money deals.

Jeff T.

Ask for Max. Very good company. Very personable and professional. I plan to do many more deals with these guys. Great for fix and flips and buy and holds. The guys here know how to get a loan through. They understand what it takes to get a loan passed. We had a hiccup with our appraisal as it didn’t come in as high as we had hoped. But the guys here were able to qualify me with a different program and get the loan pushed through with ease.

Quicny W.

Express Capital Finance is one of my favorite “Go To” Lenders for a lot of my Hard Money loans.  They are a super sharp company with great loan products that meet the needs of Brokers and, today’s, savy, real estate investors.

Loan Specialist, Simon Rishy is an astute, highly efficient, professional who I enjoy working with. He is always upbeat, cool, calm and collected. Additionally, Loan Processor, Natasha Rampersaud is the “Truth” when it comes to working and moving a loan file to closing. Also, very kind, knowledgeable, accessible and courteous. As a whole, my clients and I enjoy working with Express Capital Financing and look forward to closing more Hard Money loans with them.

Lee A.

I use Express Capital Financing on all my fix & flip deals. They are very reliable, their terms are very competitive, they are great to work with and I would highly recommend them!

Paul Lionetti

Experience and Expertise

Whether you’re a small business, medium firm, or large corporation, we can help you get the capital that you need. Our services include bridge loans, business acquisition financing, hard money loans, and commercial real estate loans. We even offer unsecured business lines of credit for those with more nontraditional financing needs.

Our team of highly experienced financial professionals are happy to help with your real estate financing loan programs. We are dedicated to customer service and want to work carefully with your organization to develop a custom financing plan. If you are interested in learning more about our services, then feel free to contact us today. We’d be happy to offer you a free analysis of your company’s financing needs with no obligations.

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