Express Capital operates through two main divisions: Express Capital Funding and Express Capital Financing. Express Capital Funding provides working capital loans for small businesses, offering same-day funding and customizable solutions for various financing needs. Express Capital Financing specializes in real estate loans, including fix-and-flip, construction, and commercial mortgages, with a focus on efficient underwriting and technology-driven processes. The company serves a diverse clientele, including small businesses across the U.S. and real estate investors, such as developers and multifamily property owners. Co-founded by Martin Chera and his sons, Express Capital has rapidly grown its lending capacity, now exceeding $30 million per month. The company is BBB-accredited and emphasizes client-centric solutions, providing online tools and resources to assist clients in their financing decisions.