Frequently Asked Questions


If you’re interested in flipping, rehabbing or purchasing wholesale real estate and are in need of financing, look no further than Express Capital Financing. We have solutions to help you achieve your goals. We can quickly provide the financing you need with minimal time investment. You do not need perfect credit to secure financing from us.

Our funding programs eliminate the challenges many real estate investors who are less than ideal candidates for traditional lenders encounter. We do not rely on borrower credit profiles. We base all decisions on property merit. The better deal, the better the chances for approval.

Common Questions We Receive

We understand that some of our customers may have received many no’s from banks and traditional lending institutions. They may feel discouraged and unmotivated when they come to us, expecting the same results. We specialize in saying yes, where other lenders say no. If you are looking for a real estate lender that knows the ins and outs of the industry and can help you close on properties in a timely manner, contact us. In the meantime, please check out our FAQs below!

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.

Credit is an important factor in many lending situations. We understand that many financial institutions will not provide funds to business owners who have less than stellar credit. We encourage all interested individuals who have a business to apply. We do look at their creditworthiness, but there are other aspects of their profiles that we take into consideration. Clients do not need to have excellent credit with us. However, we do require low credit score borrowers to have strong payment histories. We accept clients with all types of credit.

We have different lending programs and modest funding amounts for commercial real estate investors that include no prepayment penalties and a one-year no interest until maturity. Our lowest funding level is $125,000. We are very accommodating towards investors who need more. We can provide as much as $5M in financing.

We do not set income limits for our clients. We know an investor’s income does not give a completely accurate picture of their eligibility. We do require all borrowers to have enough verifiable income to demonstrate their ability to pay the interest on their loan according to the repayment schedule.

We provide funding nationwide, with the exception of the following states: Nevada, South Dakota, North Dakota, Alaska, and Hawaii, Michigan and Illinois.

Properties that qualify for funding include commercial buildings that have a residential component and single and multi-family properties. Properties we cannot provide loans for are buildings in less than ideal areas, extremely poor condition, manufactured/mobile homes, land, co-ops, owner-occupied, residential properties and certain rural buildings. If you are not sure if a certain property qualifies, just ask. We’ll be glad to help! If you think you’ve found a good investment opportunity, there’s a great chance we can finance it.

Our closing process can be as short as 2 weeks — after first deal is in, we can close in 3-5 days. For time-sensitive deals, we can close in as little as three to four 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 70 percent of their property’s ARV. Costs that borrowers are expected to cover themselves include any overbudget expenses for rehab properties, loan interest and settlement fees.

We also cater to property owners who do not currently and will not reside in their properties again. Before we can consider them for funding, they must establish themselves as an LLC or corporation.

We welcome borrowers of all experience levels to apply, especially first-timers. Express Capital Financing also provides financing with fewer fees to repeat borrowers who maintain a good history with us.

Express Capital Financing provides financing to experienced contractors and builders. Stipulations apply.

Express Capital Financing is a first-position lender. We control our funds. We do not need to go to another organization or entity to secure the funding you desire. Because there is no middleman, we create our own criteria. We also process applications faster and provide funding in less time than many other lending institutions. Express Capital Financing takes a more personalized approach to the lending process, which allows us to give more consideration to each applicant’s situation. We often say yes and how much where others say no.

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. All borrowers must sign a personal guarantee before funds are dispersed.

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 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.

Pre-Qualify Today

We will be in touch to help answer your questions and discuss which financing option is best for you