Who We Are

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.

Our specialties include…

  • Fix and flip loans and working directly with the investors and developers
  • Small balance commercial mortgages
  • Bridge loans
  • Tailored solutions which include in-house expertise, underwriting and placement teams
  • Implementing today’s technology to create an easy streamline process for our borrowers

Within a few months of Express Capital Financings introductory to this industry, they were able to lend on their own balance sheet and have successfully closed over $10 million in funding and are continuing to grow.

Express Capital Financing is 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.

Our Team

Our team will always be there to help you and your business.

Martin Chera

Mobile: 347-348-0262
Direct: 718-535-7718

Martin Chera has been a Commercial Mortgage Broker for the past twelve months.

Marty has a deep understanding of the inner workings of small business operations due to his experience as a business owner for over thirty years in the retail sector.

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David Chera
Senior Vice President

Direct: 718-233-4401
Office: 888-565-9477
Fax: 718-228-3616

David Chera is the Senior Vice President of Express Capital Financing.

David’s deep understanding of the inner workings of small business operations comes from his vast experience in a plethora of small businesses.

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Hershy Itzkowitz
Loan Officer

Phone: 718-285-0806, extension #5
Mobile: 845-538-7413

Hershy Itzkowitz has been with Express Capital Financing since 2016. Hershy has extensive knowledge in real estate financing and as an insurance agent on behalf of major companies.

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Max Antar
Loan Officer
Max Antar Is the newest member to the Express Capital Finance team.

As a former buyer for online retail outlets, Max has been trained to pay careful attention to the needs and wants of his costumers. Max understands the only way to do this, is through building real relationships along the way and welcoming communication and feedback as a means for self-improvement.

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Chasity Rivers
Loan Processor

Phone: 718-369-8942

With a 7 year background of Finance/Economics, Underwriting & Business Lending, Chasity Rivers is delighted to bring her mastered skills and innovative ideas to the ECF team nationwide.

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Simon Rishty
Loan Officer

Office: 646-585-3330
Cell: 646-878-6965

Simon Rishty started his career managing It’s All A Gift, a retail jewelry store in Brooklyn New York. After a few short years, Simon had expanded that small business in many ways, from simplifying and automating systems of operations to bringing it to the online world of E-commerce, thereby increasing sales and overall efficiency while enhancing the customer experience.

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Ezra Rishty
Loan Officer

Office: 646-604-3940
Fax: 718-228-3616

Ezra Rishty has been a Loan Officer for Express Capital Financing since 2017.

Ezra has a deep understanding of how to maximize profits in any business decision a person makes. From helping his parents grow their retail business from the ground up, Ezra understands the intricacies of what makes money and what doesn’t.

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Julie Abisor
Loan Processor

Office: 718-285-0806

Julie Abisor has the years of experience and depth of knowledge to provide customized solutions to entrepreneurs. Whether you need working capital, small business loans, franchise financing, funding for commercial real estate transactions, or anything in between, Julie Abisor will ensure your loan requests are processed quickly and efficiently, so you have the funds you need for time-sensitive opportunities.

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Koshy O.T (KCASH)
Loan Officer

Phone: 888-565-9477
Cell: 347-867-1200
Fax: 844-741-2276

Koshy has been an agent with Express Capital Financing since 2016. His background as a realtor for the past 25 years has provided him with extensive knowledge of the real estate market.

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Gedalya Silberberg
Loan Officer


Gedalya Silberberg started his career in the mortgage industry over 4 year ago, helping his clients achieve their goals of purchasing their home and investing in real estate.

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Patricia Cooper
Loan Officer

Phone: (972) 839-2674

I’ve been a Real Estate Agent, Loan Originator, and Real Estate Investor for over 16 years. I understand what buyers are looking for in purchasing their home, whether it’s their 1st home or their 10th investment home.

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Paul Pierro
Loan Officer

Phone: 718-207-1937

As a former consultant for major firms on Wall Street, Paul has acquired extensive experience in analyzing debt. This experience gives him unique insight in estimating investment projects.

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Mark Marchi
Loan Officer/Originator

Phone: 732-977-0717

Mark’s extensive knowledge of real estate investing and finance started at an early age having his parents and family member’s real estate investors/builders. Following in their footsteps Mark began his career as a builder/investor in 1997. With many investments successfully completed his understanding of the flow of the investment project and the financing involved makes his expertise a valuable part for the client.

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Natasha Rampersaud
Loan Processor

Direct: (718) 414-6058
Fax: (718) 228-3616

Natasha has been in the mortgage industry since 2015. With her background in accounting and business management, she brings abundant energy, creativity, dedication, and experience to the ECF team.

Morris Bijou
Loan Officer

Mobile: 917-589-1561
Work: 646-604-3940

Morris Bijou has a bachelors in business concentrating in finance and economics and has a deep understanding of finance intertwined with communication/relationship expertise in effort to match client goals and needs.