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Gregory Smalley Sr.

Senior Loan Co-Ordinator

Need a loan fast? Want more info on our lending options? Call or email our Senior Loan Co-Ordinator, Gregory anytime! He's ready to talk about your opportunity and find the best options for you.

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Best Hard Money Lender

About Gregory

Gregory A. Smalley Sr. is an enthusiastic and experienced Mortgage Lending professional with 17 years of loan origination experience. Today, he brings his proven track record for exceptional business practices and client services to investment real estate, helping investors seamlessly navigate the investment housing market with remarkable expertise. Gregory has managed over 100 million in client assets and strives to make every transaction as smooth as possible. He recognizes that his clients should be prioritized over all else, staying committed to their interests and decisions.

Hear From Our Happy Clients

Find out about the positive experiences our valued customers have had.

smile grossman
3 weeks ago
John and his team were absolutely fantastic! Every step of the way, they were incredibly responsive and supportive, guiding me through the entire process with expertise and care. Having someone like John by your side in this business is truly invaluable. Thank you so much for all your help and dedication! Here's a snapshot of the amazing project we accomplished together.
Gery De Pena
a month ago
Doing business with Financial Express has been a wonderful experience. In a very special way I want to highlight the work of John Sotiropoulos, his work. I have never seen a lender so committed to making its clients successful in their goals. Your responsibility, dedication and hard work have left me very impressed. Thank you very much!
GERIZIN PEÑA
a month ago
Having the support and help of Capital Express has been a pleasant experience; especially the work of John Sotiropoulos, has been extraordinary. I have never seen a loan agent put so much responsibility and commitment to achieving your goals. I am highly impressed with John's work.
Leonildo
2 months ago
A big shout out to this amazing team at Express Capital Financing, since day one when I spoke with Martin Chera and he connected me to his team who were very professional and understanding throughout the whole process. I am in the military and I had to travel in between the deal and they made sure they were going to wait for me and Martin Chera was always available to take my calls and text even when he was on vacation. I would like to recommend this great team.
Joey Hamra
2 months ago
The Most professional and Sweetest and caring people in the Game David and Max are 10/10

Compare Our Loan Programs

Whether you’re looking for capital for a Fix & Flip, Rental, or Commercial property, we have a program to meet your needs.

nt_header_0Fix & Flip Loans
Project Type1-4 Unit Residences, Condominiums, Townhomes
Loan Amount$75,000 – $5,000,000
Loan To Value (LTV)Up to 90%
Rent Coverage RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Ground Up Construction
Project Type1-4 Unit Residences, Condominiums, 5+ Unit Multi Family
Loan Amount$75,000 – $5,000,000
Loan To Value (LTV)Up to 90% LTC
Rent Coverage RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge,
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Multi Family/Mixed Use Bridge Loans
Project TypeMulti Family (5+), Mixed Use
Loan Amount$500,000 – $40,000,000
Loan To Value (LTV)Up to 75%
Rent Coverage Ratio1.1x
Loan Term12 to 36 Months
Interest RateStarting at 9%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyExperienced or Newbies to Real Estate
Minimum Credit Score650 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0Large Balance Bridge Loans
Project TypeApartments, Single-Use, Office, Light Industrial/Warehouse, Retail, Mixed Use Buildings
Loan Amount$1,000,000 – $30,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.1x
Loan TermUp to 36 Months
Interest RateStarting at 9.9%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650 (Lower is case-by-case)
Points2%+
Pre-Payment PenaltyNone

nt_header_0DSCR
Project TypeSingle Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount$75,000 – $3,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.0x (No DSCR Available)
Loan Term5/30, 7/30, 10/30, Fixed 30/30
Interest RateStarting at 7.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points1.5%+
Pre-Payment PenaltyOptions of: None, 1.0.0 or 3.0.0, 3.2.1 or 5.4.3.2.1

nt_header_0DSCR Portfolio
Project TypeSingle Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount$250,000 – $50,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.0x
Loan Term5/30, Fixed 30/30
Interest RateStarting at 7.5%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score660
Points1.5%+
Pre-Payment PenaltyOptions of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

nt_header_0Lite Doc Commercial Mortgages
Project TypeApartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices, And Many More..
Loan Amount$100,000 – $50,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.2x
Loan Term5/7/10/15 or 30 Years
Interest RateStarting at 7%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Unrestricted Cash Out
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points2%+
Pre-Payment PenaltyOptions of: 5.5.5 or 5.5.5.5.5, 3.2.1 or 5.4.3.2.1

nt_header_0Full Doc Commercial Mortgages
Project TypeMulti Family, Mixed Use, Retail, Self-Storage, Warehouse, Light Industrial and other commercial assets
Loan Amount$100,000 – $75,000,000
Loan To Value (LTV)Up to 75%
Rent Coverage Ratio1.25x
Loan Term3/5/7/10/12/15/18, or 25 Year
Interest RateStarting at 6.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Unrestricted Cash Out
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Points2%+
Pre-Payment PenaltyMutiple Options Available

Why Choose Express Capital Financing

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

Apply Now

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Insights & Resources

From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.

Deal Calculators

Webinars

Affiliate Partners

Insights & Resources

From powerful deal calculators that demystify complex financial scenarios to thought-provoking blogs that unravel industry trends, from exclusive events and webinars to our trusted affiliate partners – this is your go-to hub for staying ahead and making informed decisions in real estate.

Affiliate Partners

Find out more

FAQ

We know how challenging it can be for landlords and commercial property owners/investors to secure funding for real estate. At this time, we only provide financing to commercial clients/investors who are LLCs and corporations for nonowner-occupied properties.

We provide funding nationwide, with the exception of the following states: Nevada, South Dakota and North Dakota

Our closing process can be as short as 7 days. After the first deal is in, we can close in 5-7 days. Our processing clock starts from the initial point of contact.

We do not provide 100 percent funding on all deals. We provide 100 percent financing for rehab expenses. For purchase contracts, we provide up to 90 percent in funding. On rehab properties, we provide financing based on the after-rehab value (ARV). Rehab borrowers can receive 75% of their property’s ARV. 

Costs that borrowers are expected to cover themselves include any over budget expenses for rehab properties, loan interest and settlement fees.

The application process is fast and simple. Ideally, we expect potential borrowers to include in their loan application a deal summary, proposed scope of work and purchase contract. 

Depending on the deal, we may also ask for property comparisons. We’ll review your application and contact you right away to discuss your investment opportunity and inform you about lending requirements and borrower expectations.

We do not require any money from you upfront. Appraisals are required for all approved applications. You do not pay any fees until you receive our terms and conditions sheet regarding your deal.

We know that real estate deals are time-sensitive matters. We encourage you to complete the prequalification process to know exactly where you stand with us. Our loan experts do not believe in wasting your time or giving you the runaround. 

Once you complete the prequalification/preapproval process, you’ll hear back from us within 24 hours. Our loan professionals speak to and meet with all borrowers before closing.

If you have a question that is not answered here or on our full FAQ page, or you are ready to apply to get the funds you need right away, contact us at Express Capital Financing to let us know. We’ll be more than happy to address your concerns, and clear up any confusion you may have and get your funding underway.

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