Direct Lenders for Residential & Multifamily Property Investors
At Express Capital Financing we are direct lenders that have extensive experience with providing funding for acquisition & Rehab projects as well as Bridge financing. Our loan program allows for flexibility and quick access to capital that is in line with our swift underwriting procedures. We lend on loan sizes up to $10,000,000 on a 1 to 2 year short-term loans.
WHAT WE OFFER: Collateral based loans, up to 90% of the acquisition and 100% of the renovation cost, Closing Within 10 days, Not Credit Sensitive, Commitment In 48 Hours, Underwrite and Fund In-House.
- Quick closings
- Single Family, 2-4 Units, Multifamily (up to 30 units)
- Foreclosures, Auctions – Short sales are our specialty
- Construction ground-up for single-family home and multifamily up to 10 units
- Minimum loan $75,000
- Nationwide lenders
Property Geographic Area Details
- 2-4 Units Residential
- Single Family Residence
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Max Loan-to-Purchase Price90%
Borrower Must Have Property Under Contractno
Will Provide Proof of Funds Letteryes
Will Consider Lending on Purchase from Auctionyes
Allowed Source of Borrower’s Equity
- Own Cash
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
Minimum Number of Value-Add Projects Completed by Borrower0
Will Provide Funds for Renovation Costsyes
Max LTC for Renovation Costs100%
Interest Charged for Renovation CostsOnly on Funds Drawn
Typical Number of Days for Funds Draw3
Maximum After Repair Value70.00%
Development Experience Requiredyes
Minimum Number of Ground-Up Construction Projects Completed by Borrower1
Max LTC for Ground-Up Construction Costs100%
Interest Charged for Construction CostsOnly on Funds Drawn
Will Lend on Partially Completed Construction Projectsyes
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Legal Fee
Fees which are paid to a third party company
- Appraisal Fee
Express Capital Financing was founded by Father and Son, Martin and David Chera. With the knowledge and experience of Martin’s thirty plus years in the business industry, and David’s youthful ambition, this power duo was able to grow their company extensively in a short amount of time. We are a direct nationwide lender of bridge/hard money financing as well as small and large balance commercial mortgages.
At Express Capital Financing our advisors engage in a solutions-focused, consultative approach. We understand each client’s specific needs and goals and present the best approach to satisfy the client’s requirements. Express Capital Financing possess a unique market knowledge that is critical in today’s complex and volatile environment. Express Capital Financing’s integrity, relationships and our determination are uniform in every transaction in which we participate.
- American Association of Private Lenders
- Greater New York Chamber of Commerce
- Brooklyn Chamber of Commerce
Office Locations2625 East 14th Street, Suite 209, Brooklyn, New York 11235
Senior Vice President
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