Build, Renovate or Purchase Affordably

stated-incomeReal estate funding requires a great deal of flexibility. At Express Capital Financing, we provide starting capital to get your project moving. Qualified customers enjoy competitive rates, and our stated income commercial real estate loan can be used for most commercial property types.

Categories We Work With

The following is a list of just a few of the property types we fund:

  • Self-storage units
  • Retail stores
  • Office parks and buildings
  • Restaurants
  • Hotels and motels
  • Convalescent hospitals
  • Veterinary clinics
  • 1-4 unit non-owner residence property
  • 5+ mixed use residence property
  • Warehouses
  • Manufacturing facilities


How Much Will You Qualify For?

We’ll finance up to 75% of the value of residential buildings and up to 70% LTV on retail, office and warehouse structures. Applicants will need stable credit history in order to qualify.

Rates and Terms

Guildelines Criteria
Minimum Loan $75,000
Maximum Loan $5,000,000
Maximum LTV 75% of purchase price
75% of appraised value
Purpose Purchase
Lien Position 1st only
Timing (estimated) Term Sheet: 24-48 hours
Closing: 3 weeks
Term 30 Years
Fixed Rate Term Up to 30 year fixed rates
Location Nationwide
Interest Rates Starting at 6%-8%
Origination Fees 1 point +
Recourse Recourse
Borrower Entity Entity
Minimum Credit Score 650 or higher (600 case-by-case)
Quick Closing 30 days or less (Minimum Docs Required)
Property Types Single Family 2-4 Units, Multifamily, Retail, Mixed Used, Office, Industrial and Warehouse


At Express Capital Financing, we offer a secure way to fund your project without selling off other assets. A stated income loan is a great way to stay afloat while you’re waiting on receivables. We’ll even front you the capital you need for a last-minute sale on material. Our refinance solutions come with 25-year fixed rates, and your never have to worry about adjustments or balloon payments.

Pre-Qualify Today

Are you struggling with a sky-high mortgage rate? Perhaps you’re anxious to get going on a new location. Call Express Capital Financing today to see if you qualify for one of our customized real estate solutions. We won’t burden you with piles of paperwork. In fact, our stated income loan requires only a few signed documents. Your stated rate will never change, and there’s no fee to pay your loan back early.