Is Express Capital Funding legit? How to verify us

Check us yourself in five minutes

1. 1

   Look up the license

   Search for Express Capital Funding or license #603L328 on the California DFPI website (dfpi.ca.gov).

2. 2

   Read the BBB profile

   Our BBB profile shows an A+ rating, accreditation since 2016, our Anaheim address, and how complaints were handled.

3. 3

   Read the reviews

   Trustpilot shows 4.8 out of 5 from 590 reviews. Read the negative ones too; they tell you more than the stars.

4. 4

   Call the main line

   Call 1-800-301-9149 and ask for your advisor by name. If nobody by that name works here, stop.

5. 5

   Check the domain

   Our websites are expresscapital.com, apply.expresscapital.com, resources.expresscapital.com. Our staff email from @expresscapital.com addresses.

Got an application link from us?

After your first conversation, your funding advisor may send a link to the full application on expresscapital.com. That link is personal to your file. Treat it like any personal document and don't post or share it publicly.

If you're unsure a link or a call really came from us, call 1-800-301-9149 before you enter anything.

Direct lender, not a broker

A broker collects your information and shops it to other funders for a commission. We underwrite in-house and fund working capital from our own capital, so one company reviews your file, makes the decision, and sends the money. Your advisor stays with you after funding.

Warning signs with any funder

These apply to anyone who calls you about business funding, including people claiming to be us.

• A request to pay a fee by gift card, crypto, or wire to a personal account before funding.
• An approval or amount promised before anyone has seen your bank statements.
• Pressure to sign the same hour without reading the agreement.
• An email or website that doesn't match the company's real domain.
• A caller who can't give a company name, address, and callback number you can verify.

Outdated facts on other sites

Some third-party review sites list old requirements, rates, or terms for us. Our current published requirements are 1+ year in business, $250,000+ in yearly revenue, a 580+ credit score, and 6 months of business bank statements, for working capital from $10,000 to $350,000. We don't advertise an interest rate for our working capital; the cost is one fixed total stated before you sign.

Common questions

Is Express Capital Funding a legitimate company?

Yes. It is a California-licensed direct lender (California Financing Law license #603L328) headquartered in Anaheim, operating since December 2013, with a BBB A+ rating and 4.8 out of 5 from 590 reviews on Trustpilot.

Is Express Capital Funding a broker or a direct lender?

A direct lender. We underwrite in-house and fund our working capital from our own capital.

Where is Express Capital Funding located?

160 N Riverview Dr, Suite 225, Anaheim, CA 92808.

How long has Express Capital Funding been in business?

Since December 2013. We have funded $250M+ to more than 5,000 U.S. businesses.

How do I know a call or email is really from Express Capital?

Our staff email from @expresscapital.com addresses. If in doubt, call our main line at 1-800-301-9149 and ask for the person by name.