David Chera

Express Capital Financing’s Senior Vice President

Looking for a loan? Need some expert lending advice? Get in touch with David, Express Capital Financing’s co-founder and Senior Vice President, by phone or email. He’ll be more happy to explore your opportunity and help you uncover the perfect lending options just for you.

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About David

David’s fervent commitment to the business and real estate finance industry, led him to co-found Express Capital Financing in 2016. As the VP and head of Underwriting and Credit, David wears multiple hats. His day-to-day responsibilities include overseeing tech integration, sales strategies, investor relations, and ensuring the seamless operation of each individual deal.

Under David’s leadership, Express Capital Financing continues to excel and has managed portfolios in excess of $200 million and has successfully closed over $700 million in loans since its inception. These loans empowered our borrowers to capitalize on potential opportunities that would otherwise not be available to them through traditional means.

With a deep understanding of finance and his commitment to excellence, David continues to pave the way for success in the ever-evolving world of lending.

Hear From Our Happy Clients

Find out about the positive experiences our valued customers have had.

I've been working with David from Express Capital Financing for over 5 years now and this is the BEST lender I've come across. David knows what he's doing. Transparent, Reliable and knowledgeable are some of the first words that come to mind when it comes to Express!! I highly recommend their services!!!

I would highly recommend Express Capital Financing! I worked with Simon and David and they were amazing. Simon is very professional and his expertise was very helpful when working with him on our rehab and refinance. It has always been a pleasure to work with Simon and Express Capital.

I met Martin and his son David at an event last year and have heard excellent things about their company, Express Capital Financing. I decided to give them my 1st hard money deal; they closed in 10 days as promised. I’m extremely happy with the services provided and will definitely be recommending them going forward.

Compare Our Loan Programs

Whether you’re looking for capital for a Fix & Flip, Rental, or Commercial property, we have a program to meet your needs.

Fix & Flip Loans

nt_header_0	Fix & Flip Loans
Project Type	1-4 Unit Residences, Condominiums, Townhomes
Loan Amount	$75,000 – $5,000,000
Loan To Value (LTV)	Up to 90%
Rent Coverage Ratio	Not Applicable
Loan Term	12-36 Months
Interest Rate	Starting at 9.99%+
Rehab Financing	100%
Proceed Usage	Puchase, Refinance, Renovation, Bridge, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	620 (Lower is case-by-case)
Points	2%+

Ground Up Construction Loans

nt_header_0	Ground Up Construction
Project Type	1-4 Unit Residences, Condominiums, 5+ Unit Multi Family
Loan Amount	$75,000 – $5,000,000
Loan To Value (LTV)	Up to 90% LTC
Rent Coverage Ratio	Not Applicable
Loan Term	12-36 Months
Interest Rate	Starting at 9.99%+
Rehab Financing	100%
Proceed Usage	Puchase, Refinance, Renovation, Bridge,
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	620 (Lower is case-by-case)
Points	2%+

Multi Family/Mixed Use Bridge Loans

nt_header_0	Multi Family/Mixed Use Bridge Loans
Project Type	Multi Family (5+), Mixed Use
Loan Amount	$500,000 – $40,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.1x
Loan Term	12 to 36 Months
Interest Rate	Starting at 9%+
Rehab Financing	100%
Proceed Usage	Puchase, Refinance, Cashout
Those Who Qualify	Experienced or Newbies to Real Estate
Minimum Credit Score	650 (Lower is case-by-case)
Points	2%+

Large Balance Bridge Loans

nt_header_0	Large Balance Bridge Loans
Project Type	Apartments, Single-Use, Office, Light Industrial/Warehouse, Retail, Mixed Use Buildings
Loan Amount	$1,000,000 – $30,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.1x
Loan Term	Up to 36 Months
Interest Rate	Starting at 9.9%+
Rehab Financing	100%
Proceed Usage	Puchase, Refinance, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650 (Lower is case-by-case)
Points	2%+

DSCR Loans

nt_header_0	DSCR
Project Type	Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount	$75,000 – $3,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.0x (No DSCR Available)
Loan Term	5/30, 7/30, 10/30, Fixed 30/30
Interest Rate	Starting at 7.25%+
Rehab Financing	Not Available
Proceed Usage	Puchase, Refinance, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650
Points	1%+

DSCR Portfolio Loans

nt_header_0	DSCR Portfolio
Project Type	Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount	$250,000 – $50,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.0x
Loan Term	5/30, Fixed 30/30
Interest Rate	Starting at 8%+
Rehab Financing	Not Available
Proceed Usage	Puchase, Refinance, Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	660
Points	1%+

Lite Doc Commercial Mortgages

nt_header_0	Lite Doc Commercial Mortgages
Project Type	Apartments (5-21+ Units), Industrial, Warehouse, Multi Family, Shopping Centers, Offices, And Many More..
Loan Amount	$100,000 – $50,000,000
Loan To Value (LTV)	Up to 80%
Rent Coverage Ratio	1.2x
Loan Term	5/7/10/15 or 30 Years
Interest Rate	Starting at 7%+
Rehab Financing	Not Available
Proceed Usage	Puchase, Refinance, Unrestricted Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650
Points	2%+

Full Doc Commercial Mortgages

nt_header_0	Full Doc Commercial Mortgages
Project Type	Multi Family, Mixed Use, Retail, Self-Storage, Wharehouse, Light Industrial and other commercial assets
Loan Amount	$100,000 – $75,000,000
Loan To Value (LTV)	Up to 75%
Rent Coverage Ratio	1.25x
Loan Term	3/5/7/10/12/15/18, or 25 Year
Interest Rate	Starting at 6.25%+
Rehab Financing	Not Available
Proceed Usage	Puchase, Refinance, Unrestricted Cashout
Those Who Qualify	US Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score	650
Points	2%+

Why Choose Express Capital Financing

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

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FAQ

Who is Eligible for Financing?

We know how challenging it can be for landlords and commercial property owners/investors to secure funding for real estate. At this time, we only provide financing to commercial clients/investors who are LLCs and corporations for nonowner-occupied properties.

What States Do Express Capital Financing Service?

We provide funding nationwide, with the exception of the following states: Nevada, South Dakota and North Dakota

How Long Does it Take to Close?

Our closing process can be as short as 7 days. After the first deal is in, we can close in 5-7 days. Our processing clock starts from the initial point of contact.

How Much Financing Can I Receive?

We do not provide 100 percent funding on all deals. We provide 100 percent financing for rehab expenses. For purchase contracts, we provide up to 90 percent in funding. On rehab properties, we provide financing based on the after-rehab value (ARV). Rehab borrowers can receive 75% of their property’s ARV.

Costs that borrowers are expected to cover themselves include any over budget expenses for rehab properties, loan interest and settlement fees.

What is the Loan Application Process Like?

The application process is fast and simple. Ideally, we expect potential borrowers to include in their loan application a deal summary, proposed scope of work and purchase contract.

Depending on the deal, we may also ask for property comparisons. We’ll review your application and contact you right away to discuss your investment opportunity and inform you about lending requirements and borrower expectations.

We do not require any money from you upfront. Appraisals are required for all approved applications. You do not pay any fees until you receive our terms and conditions sheet regarding your deal.

How Do I Get Started?

We know that real estate deals are time-sensitive matters. We encourage you to complete the prequalification process to know exactly where you stand with us. Our loan experts do not believe in wasting your time or giving you the runaround.

Once you complete the prequalification/preapproval process, you’ll hear back from us within 24 hours. Our loan professionals speak to and meet with all borrowers before closing.

If you have a question that is not answered here or on our full FAQ page, or you are ready to apply to get the funds you need right away, contact us at Express Capital Financing to let us know. We’ll be more than happy to address your concerns, and clear up any confusion you may have and get your funding underway.