Express Capital Financing Reviews 2026: Who Holds Its Loans

Who Express Capital Financing is, and which one it is

People who search this name land on several different companies. This page is about expresscapitalfinancing.com, phone (718) 285-0806, a lender to real estate investors based in Brooklyn. Its Terms page says Express Capital Financing “is a trading name of Express Capital Holdings, LLC,” with a registered office at 14 53rd St, #408N, Brooklyn, New York 11232. Its Our Story page says it was founded by Martin Chera and his two sons, David and Max, and lists a second office at 40 NJ-36, West Long Branch, New Jersey. Other companies with “Express Capital” in their names, including business-loan firms, turn up in the same searches; we found nothing linking them to this one, so check the domain and the phone number before you send documents.

The link between the brand and the recorded name matters, because that is what makes the property records usable. In New York City records the lender on these mortgages is “Express Capital Financing” in 2021 and 2022, and from 2023 almost always “Express Capital Holdings LLC” (with the “ISAOA/ATIMA” suffix, a standard phrase meaning “its successors and assigns”). The address printed for the mortgagee is 14 53rd Street, Brooklyn on 52 of the 148 mortgages (44 plus 8 with the suite number, our sum), the same as the Terms page. Another 25 print 645 Madison Avenue in New York, and 16 print an address on East 14th Street in Brooklyn (our sum).

The company says on its site that it has funded “$1B +” across “2500+” clients with “95%” of applications approved, and in Our Story that it moved from “over $10 million in funding a month” to “over $30 Million a month.” These are its claims. We found no filing in which a third party confirms them.

What the New York City property records show

Every mortgage, assignment and satisfaction recorded in the five boroughs is public through the city's ACRIS system and is published as open data. We pulled every document in which a party name begins “Express Capital Financing” or “Express Capital Holdings,” then the other parties and the tax lots of each. This is one market only: the company says it lends in most states, and loans elsewhere are not in these figures. The count is also a floor, since a mortgage recorded under a name we did not search would be missed.

Three things stand out. The business started to show up in these records in 2023: three mortgages in 2021 and 2022 together, then 24 in 2023. Loans are small. The median is $473,750; four of the 148 are $1,000,000 or more and the largest is $4,235,000 (2026), against a home page that advertises “$150K to $10M” and a FAQ that says it can provide “as much as $50M.” Brooklyn dominates: 110 of the 148 are in Brooklyn, 32 in Queens and 6 in the Bronx.

On the company's claim of $30 million a month: the 2025 New York City total is $24.9 million for the whole year. A $30 million monthly pace is $360 million a year (our arithmetic), so New York City would be about 7% of it (our arithmetic). That is consistent with a mostly out-of-city book, or with a figure that is aspirational. The records cannot settle it.

The assignments: who ends up holding the loan

The company's FAQ says: “Express Capital Financing is a first-position lender. We control our funds.” It adds: “We do not need to go to another organization or entity to secure the funding you desire.” Our Story says it started “lending on our own balance sheet.” None of that is contradicted by an assignment recorded after closing, which is how most lenders move loans. But it changes what you should ask: who will own, service and pay off your note?

The pattern is clearest for Constructive Loans, the wholesale lender we cover in our Constructive Loans review. Six mortgages Express Capital wrote between February 2024 and December 2025 were assigned to Constructive on the day they were dated:

Two cautions. First, the same-day dates show the loans were probably sold at or right after closing, but they do not show the price or whether Express Capital kept servicing; some of these assignments were recorded up to 357 days later (the median across all 38 assignments is 17 days), so an assignment may exist for your loan that has not reached the public record yet. Second, 101 of the 148 mortgages have no assignment out in the data (our arithmetic), and 46 satisfactions of mortgage (payoffs) are recorded for Express Capital loans, 18 in 2024, 19 in 2025 and 9 in 2026. Those loans may be held, may sit in MERS, or may have been transferred without a recorded document. The share with a recorded assignment rose from 6 of 24 in 2023 to 19 of 51 in 2025 (our arithmetic: 25% to 37%).

Other buyers named on the documents include Velocity Commercial Capital (see our Velocity Financial review), and LendingOne (LendingOne review); for the Toorak side of that market see our article on the Velocity and Toorak deal. For a borrower, it means your note may be serviced by someone you did not choose.

The terms it publishes

These are the company's own claims on its program pages, read and saved October 10, 2026. It does not post a rate sheet beyond “starting at” rates.

Some terms that decide cost, from the FAQs: the DSCR page says “there is an option for no PPP in exchange for a higher rate.” The fix-and-flip page says typical fees are “underwriting and legal fees,” with no amount, and that “ECF can offer an extension for a fee,” again with no amount. The fix-and-flip FAQ gives a rate range of “10% to 12%.” The DSCR prepayment options are written as dotted strings (for example 3.2.1 and 5.4.3.2.1); the site does not explain them, but the usual reading is a step-down by year, so ask for the schedule in the term sheet. The FAQ says: “We do not require any money from you upfront. Appraisals are required for all approved applications.” It says it lends to “LLCs and corporations for nonowner-occupied properties” only.

Where the website disagrees with itself

Read October 10, 2026:

• Loan size. Home page: “$150K to $10M.” FAQ: “Our lowest funding level is $100,000” and “as much as $50M.” DSCR page: $50,000 to $3,000,000. Fix-and-flip list: $75,000 to $5,000,000. Full doc commercial: up to $75,000,000.
• States it does not lend in. FAQ: Nevada, South Dakota and North Dakota. DSCR FAQ: “ND & SD.” Fix-and-flip FAQ: “ND, SD, NV, AZ.” Its BiggerPockets listing: Arizona, Nevada, North Dakota and South Dakota.
• Fix-and-flip term. Program list: 12-36 months. FAQ: “Our loans are all 12 months with no PPP.” The rate table on the fix-and-flip page itself was an empty widget (“No results found”) in the text we saved.
• Prepayment. The FAQ says its programs “include no prepayment penalties,” but the DSCR, portfolio and commercial pages list penalty options running to five years.
• Credit score. Fix-and-flip FAQ: 600. Ground-up: 680. Bridge: 650, lower “case-by-case.”
• “Invest with us.” The button in the site's top menu points to /investors/, which redirects to the home page. We found no investor offering: EDGAR full-text search has no hit for the name and no Form D under it.

The federal and court record

• HMDA (mortgage disclosure data). The name does not appear on the FFIEC filer list in any year from 2018 to 2025. We cannot tell why; it may be outside HMDA's scope or below its thresholds. The practical effect is that, unlike CoreVest in our CoreVest review, there are no loan-level federal rates to benchmark.
• CFPB complaints. Zero complaints for the company name and zero for a text search of the name, in a database of 18,300,534 records. For a business-purpose lender this is weak evidence either way.
• SEC. No EDGAR full-text hit and no company named Express Capital Financing in the Form D search. We found no Form D, so we have no sign that it raises money from outside investors through a registered exemption.
• Federal courts. CourtListener returns no docket for the phrase. We did not search New York State courts, where a lender's foreclosure cases would be filed; check the county clerk records for the county of your property.
• NMLS Consumer Access. Our search was redirected to a page asking us to type characters from an image. We did not complete it, so we have not read its licence record. Many business-purpose lenders hold no consumer mortgage licence; look the company up yourself if your loan is on a one-to-four-unit property.
• Reviews. BiggerPockets shows 4.8 stars from 167 reviews; all 167 come from Google, none from BiggerPockets members. That is a third-party listing we did not verify, and it says little about terms or what happens after closing.

What you can do with this

• Ask who will own and service your note. Ask in writing whether the loan will be assigned at closing, to whom, who collects payments and who handles draws, extensions and payoff letters. The recorded pattern (six same-day assignments to one buyer) makes this a real question.
• Get the fee sheet before you pay for an appraisal. The site says no money upfront until the terms sheet; ask for points, underwriting, legal, draw, inspection and extension fees as dollar amounts.
• Pin down the prepayment schedule. If you want a DSCR hold, “3.2.1” and “5.4.3.2.1” are not self-explanatory. A no-penalty option is described as costing a higher rate; ask how much higher.
• Check the state. Your state may or may not be on the list, depending on which page you read. Get it in the term sheet.
• Compare with a second quote. Express Capital's DSCR rate starts at 6% to 6.25%. The box below lists lenders that publish different terms. Kiavi pays us if you take out a loan after clicking its link; the other two do not, and none is a recommendation.

For the wider field see our best DSCR lenders for 2026, the legitimacy check of 20 DSCR lenders and best fix-and-flip lenders.

Express Capital Financing files nothing with the SEC, so the email below follows this topic: it tells you when we update this record with new filings, regulator actions or property-record changes.

FAQ

Sources, read October 10, 2026: expresscapitalfinancing.com (home, About Us, Our Story, Meet the Team, FAQs, the seven loan-program pages, Terms and Conditions, Contact); NYC Open Data ACRIS Real Property Master (bnx9-e6tj), Parties (636b-3b5g) and Legals (8h5j-fqxa) datasets and the document-class codes (7isb-wh4c); FFIEC HMDA Data Browser filer lists for 2018 to 2025; CFPB Consumer Complaint Database search API; SEC EDGAR full-text search and company search; CourtListener RECAP search; NMLS Consumer Access (search blocked by a character test); and BiggerPockets business page for Express Capital Financing. Product terms, rates, points, claims about volume and the statements about funding are the company's own claims. Sums, shares, percentage changes, and the match between assignments and mortgages (same tax lot) are our arithmetic. This is analysis of public records, not investment, legal, lending or tax advice.