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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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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.

a week ago
Natasha was extremely helpful. She was very patient and answered all of my questions.
a month ago
i want to thank John and the rest of the team at express capital funding for making this the fastest and easiest process to obtain the loan and construction budget for our project we were kept informed daily by email with the progress and status of our loan and it took them less than 3 weeks start to finish to get our million dollar purchase and a $260,000 construction budget done. i have never worked with a lender that made this go so fast i would recommend them over any other lender out there.
3 months ago
I worked with Mr. Martin (Marty) Chera and Mr. Matthew Gulley at Express Capital Financing. It was my first investment purchase with this lending firm and they were very diligent and professional. They were able to exercise flexibility with their requirements when the appraisal noted that the home I intended to purchase was a rural property and had an additional lot attached that required extra steps to get to closing. They could have simply declined to proceed with lending on this property but instead they worked to adjust the loan terms and requirements to ensure I could close on this property. Many thanks to all those who assisted with my closing and I look forward to a continued successful business relationship with your firm! - Janet D
3 months ago
A pleasure to work with!
4 months ago
I had a good experience with John Sotiropoulos. He was the person helping me and my team to get our property funded. Good in terms of communication.

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 UsagePuchase, Refinance, Renovation, Bridge, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points2%+

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 UsagePuchase, Refinance, Renovation, Bridge,
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points2%+

nt_header_0Multi Family/Mixed Use Bridge Loans
Project TypeMulti Family (5+), Mixed Use
Loan Amount$500,000 – $10,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.1x
Loan Term12 to 36 Months
Interest RateStarting at 9%+
Rehab Financing100%
Proceed UsagePuchase, Refinance, Cashout
Those Who QualifyExperienced or Newbies to Real Estate
Points2%+

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 UsagePuchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points2%+

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 UsagePuchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points1%+

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 8%+
Rehab FinancingNot Available
Proceed UsagePuchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points1%+

nt_header_0Lite Doc Commercial Mortgages
Project TypeApartments (5-21+ Units), Industrial, Warehouse, Halth Care / Assisted Living, 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 UsagePuchase, Refinance, Unrestricted Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points2%+

nt_header_0Full Doc Commercial Mortgages
Project TypeMulti Family, Mixed Use, Retail, Self-Storage, Wharehouse, 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 UsagePuchase, Refinance, Unrestricted Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Points2%+

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

Apply Now(SA) - LO
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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

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Blogs

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Events

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Webinars

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Affiliate Partners

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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.

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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