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Apply Now Cash Out Refinance Hard Money 100% Purchase Commercial Loans Ground up As Low 500 Credit Score Buy and Hold Investment Properties As low as 5.25% rates Cash Out up to 80% LTV 12-24 month interest only No money down

Apply Now

Cash Out Refinance

Hard Money

100% Purchase

Commercial Loans

Ground up

As Low 500 Credit Score

Buy and Hold

Investment Properties

As low as 5.25% rates

Cash Out up to 80% LTV

12-24 month interest only

No money down


    100 % Fix and Flip Programs:

      Financing For All Kinds of Small Businesses

      Fix N Flip
      Buy and Hold
      Commercial Properties
      Construction Loan
      Lines of Credit
      Gas Stations
      Liquor Stores
      Insurance Agencies
      Real Estate Agents
      Car Dealers
      Term Loans
      Merchant Cash Advance (MCA)
      Equipment Financing
      Invoice Factoring

      Financial Solution For Businesses Nationwide

      We provide financing to businesses when they need it the most. With XPRESS LOANS 911's wide range of financial solutions, companies can access cash they need to support growth in their business.

      Apply Now

      Fix N Flip

      Buy and Hold


      Commercial Properties

      Construction Loan

      Lines of Credit



      Gas Stations

      Liquor Stores



      Insurance Agencies

      Real Estate Agents




      Car Dealers

      Term Loans

      Merchant Cash Advance (MCA)

      Equipment Financing

      Invoice Factoring

      We fund a Variety of Businesses

      While every organization has unique needs, they may have one thing in common- the need for funds to expand their business. From bars to night clubs to construction and transportation companies, Xpress Loan 911 has the proven track record, staff and resources to help your business succeed.

      Fast & Easy Progress


      Complete the form

      Click to request a free quote, and an Account Executive will contact you shortly after to discuss your options.


      Get approved

      Our streamlined application process allows us to provide you with a quick decision


      Finalize the Closing

      Once approved, it’s an easy transition. You can expect the closing to be quick and seamless

      Why Choose Us

      Easy Process

      Just a simple, one-page application and 3 months’ business bank statements.

      Variety of Industries

      We service business owners in virtually every industry.

      Fix N Flip

      Commonsense underwriting. We think outside the box


      We’re one of the country’s largest private lenders of small business loans.

      Grow Your Business

      Get the cash you need for inventory, marketing, expansion, payroll, and more.


      Our underwriters will communicate with you through out entire process until closing

      Pay Bills

      Get the money you need to pay bills, taxes and vendors.

      Upgrade Equipment

      Use the money to update your equipment and increase efficiency.


      Transparency, Communication, and trust are the fundamental cornerstone of our business. Customers always come first.

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      Happy Customers


      I’ve worked with Xpress Loans 911 for four years now. I continue to work with them because of their quick underwriting, decision making, and draw process. It’s nice to have a lender that also acts as a strategic partner.

      Sean N.
      December 8, 2020


      Being a young developer/builder I encounter a lot of challenges. Xpress Loans 911 has been a valuable business partner to have through the process of guidelines, budgeting, and management. I know that I can pick up the phone and call these guys at a drop of a hat and they will always respond and assist me with whatever I need.

      December 8, 2020

      Thumbs Up!

      I was in contact with Xpress Loans 911 about 2 years ago when a client was using them for financing on some new construction investment properties. I mostly deal with traditional banks and a little bit with private money. I was extremely happy, from the contractors side, of how they ran each project. I was paid on time every month and enjoyed working with Rory over there. What I like most is their guarantee of financing on each job which makes life a lot easier for the General Contractor and alleviates all risk of non-payment which has happened multiple times working with previous private banks. I would absolutely recommend Xpress Loans 911 and Rory to anybody looking for construction financing.

      Cindy M.
      December 7, 2020


      These folks really know how to get things done. I’ve done 6 projects with them and can’t say enough about their awesome communications and accessibility . . . 24/7. The processing and underwriting are really on top of it too . . . very fast and efficient. Just a great outfit to work with.

      Natalie B.
      December 4, 2020

      Very fast

      Xpress Loans 911 is the best lender around. We have used them multiple times on our Flip homes. Xpress Loans 911 is easy to use, get approved, get draws and close loans fast. Keep up the good work.

      John Peter
      December 3, 2020

      Hassle free

      Hassle free lender. Great for the deals I’ve used them for so far. Very fair and willing to bend over backwards to help you succeed. You’ll be pleased with their service.

      Andrea R.
      December 1, 2020


      I am extremely happy with service from Xpress Loans 911. They were able to close a loan in three days and I did not have any prior business relationship. I contact them on Friday same day they send the appraisal and Tuesday morning I signed papers. Thank you guys.

      November 30, 2020


      Excellent service. I originally was using a different lender to loan me the money to purchase a home that I was intending to flip. Long story short the first lender strung me along a very long process with poor communication and wasting money and over 30 days which could have cost me the deal. I had the number to Xpress Loans 911 from a friend and happen to find it written in my planner. I called them and within a week had this funded and we were able to close prior to the execution date on my contract. Highly recommend!

      November 27, 2020

      Straight to the point

      I found myself in a tough real estate transaction which required immediate attention and funding. I contacted Robert whom I previously made contact with years ago and had already heard great things about. Robert was very prompt and professional. Straight to the point about how they could help, and with minimal hassle and a small amount of paperwork, I was able to complete my real estate transaction. Their fees were extremely reasonable and our relationship was a win-win. I am very happy with their service and have already recommended them to friends and family.

      Kevin Y.
      November 26, 2020


      Great company to do business with. They work with you and customer service is on par! I HIGHLY recommend Xpress Loans 911!

      Cherry M.
      November 26, 2020


      Professional service is the cornerstone of Xpress Loans 911.  Having been in commercial real Estate over 25 years I have referred clients to Xpress Loans 911.  Their service and ability to come through on time has been critical for many to complete a transaction which impacts their real estate portfolio.  They make quick decisions and implement the loan aware of all issues and the complexity of the deal.  They are highly respected and will go the extra mile at all times to provide funding solutions.…

      Sid H..
      November 25, 2020


      I’m not one to typically write reviews but I was so impressed with Xpress Loans’ service I felt it needed to be shared. I’m a mortgage broker and I recently referred a client to Xpress Loans 911 who didn’t qualify for any of our programs and needed to fund quickly on a house… It was nice to be able to refer a hard money lender that did what he said he was going to do. I highly recommend Xpress Loans 911 for any hard money lending.

      Denise L.
      November 23, 2020


      Xpress Loans 911helped me purchase a residential investment property located in San Diego. The bidding process was very competitive as I was up against dozens of buyers. By obtaining a pre-approval letter from Xpress Loans 911 I was able to present an all-cash offer to the seller and won the offer. Xpress Loans 911 was able to fund the deal in under 2 weeks. I would gladly do business with them again.

      Mary Lee
      November 20, 2020


      As a title agent I can tell you that the most important element in any financed transaction is a lender that gets you to the closing table.  Not only does Xpress Loans 911 get you to the closing table, they get you there FAST.  They WANT to close and fund the deal unlike most lenders that appear to want to find a reason not to close. Working with everyone at Xpress Loans 911 is the best.

      Ces M.
      November 19, 2020


      The Xpress Loans 911 team assisted my purchase of a retail center. In this scenario the seller was unwilling to extend the close of escrow date and we needed to fund the deal in under two weeks. Robert proved himself to be a very capable deal quarterback as he seamlessly worked with myself, the buyer and sellers real estate agents, title, escrow, insurance, and all of the existing tenants to close this deal in time. His professionalism and attention to detail were essential in closing this transaction on time. I highly recommend the Xpress Loans 911 team for all of your hard money loan needs.

      Jacob M.T
      November 18, 2020

      I recommend them

      First and foremost, Ray was absolutely a pleasure to work with. He was such a pro and went above and beyond our expectations. Xpress Loans’ rapid draw process allowed us to have funds within 24 hours – even our subcontractors were impressed. Everything we asked for, we got. It was nice to be treated with such great service, and I look forward to working with the team in the future!

      November 17, 2020


      I really appreciate all you did for us. Having our original construction loan mature before we were qualified for conventional financing could have cost us our business. You stepped up and helped us. I would recommend you in the future without hesitation!

      Laura Schrober
      November 13, 2020


      Xpress Loans 911 has financed numerous developments, construction, and rehab loans for us. Their ability to close a loan quickly combined with their prompt draw funding has allowed us to make bargain purchases and take advantage of vendor and subcontractor discounts.

      Bakerfield L.
      November 10, 2020


      Xpress Loans 911 had the confidence in me to finance my first project after the market downturn. With their help I developed, built, and sold a successful multi-home project. I will continue to use them for my lending requirements.

      Ron W.
      November 9, 2020


      Xpress Loans 911 separates themselves by doing what they say they are going to do. I have worked with other hard-money lenders and they do not compare to the service and execution that they deliver. They will always have a first right of refusal on my future projects.

      Tammy paul
      November 6, 2020


      After being turned down by BOA during escrow, I went to get help from Kenny. He helped me every step of the way and answered my emails and texts very quickly, he made the whole process as less stressful as he could ( I had a very complicated loan application). I’m very thankful that I came across Kenny, he is truly amazing at his job and is very professional and dedicated to his clients.

      October 30, 2020


      As an agent a great loan officer will make a huge difference in the process of a home sale for both you and your client. I had the pleasure of working with Joe on my first and very complex sale and I have to say he did a great job at keeping both myself, the seller and my client updated throughout the whole process. He was able to approve my client on a rush after her first loan fell thru with another lender several days into escrow and really walk her thru everything so she felt comfortable. They are a great company to work with and Joe truly cares about what he does and his clients I will definitely be recommending them to my other clients as well.

      Barbie P.
      October 27, 2020


      We had a great experience! We worked with Ray and he was extremely helpful in getting us a great rate on our home purchase. He was attentive, professional, responded quickly to texts/phone/emails and we were very happy with how quickly the process went. Would highly recommend!

      Richie E.
      October 21, 2020


      Very reliable and professional loan brokers. If they say that they can do it, they will do it and in a timely manner. I am a repeated customer.

      Lenny O.
      October 21, 2020


      Dealing with Xpress Loans 911 has been a breeze from the onset of our relationship.  Our investors enjoy quick responses, instant Proof of Funds letters, and knowing there is no costly or time-consuming appraisal involved.  I know they call it a Hard Money loan but it could not be any easier.  Working with Andrew and the Xpress Loans 911 team has been a pleasure and we will keep this relationship ongoing for many years to come. If you want the job done fast and right call Xpress Loans 911.

      Brian M.
      October 15, 2020

      Great Communication

      This was our first time working with Xpress Loans 911.
      Excellent communication throughout the underwriting and closing process.
      For a unique deal involving 3 properties, Xpress Loans 911 was on top of it, Ray, Anthony and the team were on the ball and ensured we had what we needed to close.It has been a pleasure working with Xpress Loans 911 on this deal. They are professionals!

      Ben M.
      October 13, 2020


      I have been an investor working with Xpress Loans for 7 years, and I must say it has been a great and profitable relationship.  Xpress Loans 911 was able to lend me millions throughout the years even through the Great Recession when all other hard money lenders had no funds.  Currently I have almost thirty rental properties and several rehabs in process, all loans from Xpress Loans 911.   From the friendly staff and great advice from Claudia and now Kat, Xpress Loans 911 and their financial programs have been a crucial reason for my success. If you plan properly, and use the wealth of knowledge from both Claudia and Kat, you too can have a long-term, and profitable relationship with the professional team at Xpress Loans 911.

      October 9, 2020


      Over the years, Xpress Loans has assisted and facilitated financing a portfolio of over 200 units in Florida for my company.  They do a financial analysis on each unit to make sure their terms work within the profit potential you are seeking in your project.  The team at Xpress Loans 911 is top notch, helping me expand my rental property business substantially, and I look forward to an ongoing business relationship.

      Bless D.O
      October 8, 2020

      Amazing People

      It started with one transaction, but now it has become an ongoing relationship that has helped me create a successful real estate business here in Florida.  My family and I are greatly appreciative for all the support and hard work undertaken by everyone at Xpress Loans 911 to make my business a success!

      Benj C.
      October 5, 2020


      I met Anthony a couple years ago through a work associate & have been continually impressed by his professionalism & knowledge of his craft. I know quite a few mortgage professionals & he is the only one I trust 100% with my close friends & family. He goes above & beyond. If and when you’re in need of a loan this is your man. Beyond impressive.

      October 4, 2020


      The Xpress Loans team has been members of our organization for more than a decade. Kim, Alex, Ray and their support staff are not only easy to work with, but also have more experience and knowledge than any of the Hard Money Lenders we have ever worked with. What I personally love about working with them is that they use their own money, so they can get me an answer faster than anyone!  It is always evident how much we trust someone in the real estate business based on whether or not we give our endorsement and refer that person business. If someone asks us for a referral for Hard Money Lending, our first response is Xpress Loans 911!

      Lolita Frasier
      October 1, 2020

      Good Job!

      Having been in the real estate industry for years we place a huge amount of value on the relationships and team around us. 95% of Hard Money Lenders take weeks to process deals, don’t use any of their own money, and never close on time.  On every loan we have closed with Xpress Loans they have been more than prompt, fund on time, and will close in 48 hours or less if needed. They understand the needs of the Seller and that sometimes we don’t have TIME to wait 14 business days to close a deal. Having them as a key member on my team allows me to negotiate every contract with 100% certainty we will get the job done when working with Xpress Loans.

      Emma Jones
      September 29, 2020


      Being an “Investor Friendly” title company we work with many hard money lenders.  Xpress Loans 911 is a reliable company to work with because they are fast, efficient, and have some of the best rates out there. My investors need to close quickly, and when I know Xpress Loans is financing them, I know we will have no issues closing on time.

      Celeste F.
      September 25, 2020

      Best Lender

      Xpress Loans 911 saved me from losing my $28,000 non-refundable deposit when my other lender backed out of closing at the last minute!  I sent Express Loans all the relevant information on Wednesday afternoon and we closed with no problems that Friday.  If it weren’t for Express Loans, I wouldn’t be in the position to profit from this fix-and-flip opportunity.

      Sandra M.
      September 24, 2020

      Amazing experience

      I love working with the whole team at Xpress Loans 911! We’ve made tons of money together over the 17 years that we’ve been doing business together. Robert, Rory, and Andrew have sold and funded more of deals than I can even remember. The Xpress Loans team works so hard to make a deal happen, and I mean ANY deal…even low-priced deals. Everyone has immense knowledge in the industry and have been generous with their advice over the years to myself as well as colleagues I work with. This alone is an invaluable service. Besides the team working hard to get you into a good deal, they look out for you just as hard to prevent you from getting into a bad deal. Whether you are a new investor or very seasoned, the team is eager to work with you and make your real estate deal as safe and profitable as possible.

      September 21, 2020

      Great Experience

      I have been dealing with Lenders for so many years, never had such a great experience that I had with Xpress Loans. My first experience was with Alex, who is very experienced and knows what he is doing. Alex is a great loan officer with excellent communication skills. Alex was there from the 1st day till the last day. He ensured that the deal closed. It was a seamless transaction. I had a great customer experience. I have referred someone to Xpress Loans 911 and will continue to refer more people to them, including friends, families, and co-workers. Alex, thank you so much! Thanks to the Xpress Loans team. Xpress Loans the best or nothing.

      September 16, 2020

      Great Experience

      I have been dealing with Lenders for so many years, never had such a great experience that I had with Xpress Loans. My first experience was with Alex, who is very experienced and knows what he is doing. Alex is a great loan officer with excellent communication skills. Alex was there from the 1st day till the last day. He ensured that the deal closed. It was a seamless transaction. I had a great customer experience. I have referred someone to Xpress Loans 911 and will continue to refer more people to them, including friends, families, and co-workers. Alex, thank you so much! Thanks to the Xpress Loans team. Xpress Loans the best or nothing.

      September 16, 2020

      Finance and General Manager

      Review by Franky F.. on 9 Sep 2020review stating Finance and General Manager

      Working with Xpress Loans team is a seamless process and give me peace of mind each time that my deal will be closed with the requisite speed and on time. Andrew and the team are great partners, and I would recommend to friends and family if they ever need a partner on a fix and flip deal.

      September 9, 2020

      Seamless Process

      Working with Xpress Loans team is a seamless process and give me peace of mind each time that my deal will be closed with the requisite speed and on time. Andrew and the team are great partners, and I would recommend to friends and family if they ever need a partner on a fix and flip deal.

      September 9, 2020


      I was grateful to have worked with Xpress Loans 911. They have made the process as easy and smooth as possible. Faye has been there for me with every step. They have been easily accessible and very knowledgeable. I highly recommend their services. Will definitely use them in my future endeavors and know that I can count on them.

      September 8, 2020

      Great Communication

      This was our first time working with Xpress Loans 911.
      Excellent communication throughout the underwriting and closing process.
      For a unique deal involving 3 properties, Xpress Loans 911 was on top of it, Ray, Anthony and the team were on the ball and ensured we had what we needed to close.It has been a pleasure working with Xpress Loans 911 on this deal. They are professionals!

      Ben M.
      September 8, 2020

      Great experience

      This is our first project with Xpress Loans 911. Joe, Kim and all of them are great! I’ve got nothing but good words to say about their communication skills, they’re always friendly and willing to do everything to meet our needs.

      May Y
      July 1, 2020


      3rd Rehab Project with Xpress Loans 911
      And they have been truly great as usual. Attentive to my needs and guided me along the way for successful projects. Everyone I work with is professional and a pleasure. Robert was specially such a great help. Always there to help no matter weak days or weekends with the same outstanding attitude. Thank you, Robert and the entire Xpress Loans 911 team. Looking forward for more great projects

      Brian W
      June 29, 2020

      Best team

      Ray had amazing communication skills and followed up everything step of the way. I honestly don’t believe anyone else would have made me feel so comfortable with the process. I’m a first-time investor and would definitely work with Xpress again in future. I needed someone to hold my hand through the whole process and that’s what Ray and the team did and at no time did I feel I was a bother.

      Peter K
      May 28, 2020

      2nd Rehab Project with Xpress Loans – Fantastic

      This is our second rehab project with Xpress Loans 911, and they have been truly great as usual. Attentive to our needs and guided us along the way for successful projects. Everyone we work with is professional and a pleasure.

      Mai D
      May 28, 2020


      Hello future investors,

      For me, the notion of lenders with construction financing started with Robert of Xpress Loans 911. Robert answered all questions straightforward hitting all benchmarks.
      This positivity gave me HOPE!

      Next, to processing were the staff was proactive from the start to address all tasks necessary. They were eager to help, punctual & assertive.

      Concluding all the way to underwriting, where i had the divine pleasure to meet a gentle and keen businessmen named Kim. She interviewed me and shared 360 degrees of knowledge , supporting details and Benefits of being aboard the Xpress family!

      Fast forward from the office to the construction/ rehab field, “it’s a 100% blessing to have your lender on standby to do the key ACTION needed to succeed:
      Accommodate request ,Inspection, FUND$“!

      Which gives key elements to your progress and longevity!

      For me Xpress Loans 911 is the path and light 💡

      Cliffy T
      May 13, 2020

      Great Communication Easy Closing

      This was first deal doing with Xpress Loans, They are still closing deals after most other lenders closed!!!!!
      Fast and Easy for this environment, it was a pleasure working with Ray and Adrian to get this deal closed..

      Investor P
      May 6, 2020


      This was my first deal with Xpress Loans 911 and I must say I am very impressed. Sam and Faye were very helpful and we were able to close quickly considering we are going through a Global Pandemic right now. I would definitely work with them again on future projects and highly recommended working with Xpress Loans 911!

      May 6, 2020

      Extremely Smooth Process

      First deal with Xpress. I was really impressed by how the process was very smooth, streamlined and Fast. They had great customer service, open communication, friendly and helpful team.

      Amy D
      March 10, 2020


      I just closed a deal with them and it was very smooth. There were last minute changes from the seller but both Rory and Jessie were very helpful, accommodating with an “how to make it happen” attitude. Look forward to many more deals together.

      March 3, 2020


      This is my first deal with Xpress Loans 911, and I have to say it’s was very easy process. Robert and Andrew were great to work with. I’m looking forward to more deal to come. Thank you, Xpress Loans AND STAFF.

      March 2, 2020

      Fast And Professional

      This deal is closing today at 3pm. That’s less than 20 days from having an executed contract. I’d like to say – my efficiency, and sense of urgency plays a big part in getting these deals done so quickly. However, you and your team at Xpress Loans 911 are exceptional at what you do and are the real reason why we are closing in less than 3 weeks. Rory and Alex are great to work with – communication and hands on throughout the process. Tap, the appraiser, is easy to deal with, and professional in every way. Kim gets things done faster, and more efficiently, than just about any other attorney. I’m sure I’m leaving people out that worked behind the scenes, but you know who they are.

      February 24, 2020

      Incredible service in a timely fashion with great communication

      Robert and his team did an amazing job closing my deal. I have worked with other hard money lenders and the service I received from Robert and his team is simply the best. Xpress Loans 911 you definitely are choosing the right people to work for your company. I feel I found a true business partner for my future projects.

      Jhonny G
      February 24, 2020

      Totally Satisfied

      I have done 8 deals with Xpress Loans 911 now and every time is as smooth as the previous. From the processing to the closing, Xpress Loans 911 is efficient, quick and knowledgeable. I would recommend to all investors.

      Romeo C
      February 1, 2020

      Great lender

      They were easy to work with and were able to close quickly! Looking forward to working with Xpress Loans 911 in the future.

      Chane S
      January 22, 2020

      Always close, Excellent communication, True partners.

      Always reliable to get a deal closed. Excellent communication and by far the fastest moving lender there is. HIGHLY recommended. Special thanks to Robert, Jill, Rory, Andrew and Joe. Looking forward to future opportunities and continuing our partnership!

      Ray F
      January 4, 2020

      Sense of Urgency, Great Communication, Part of my Team

      We finally found the financing partner for our business after using several other lenders. Timing is everything in this business, and we can close quickly with Xpress Loans 911 under multiple purchasing scenarios. Communication is seamless. I love that when one person is out of the office, the transaction continues with no balls being dropped – this never happened with my other lenders. I finally feel confident that I have the right lender in place to grow our business. Happy new year and thank you Xpress Loans team!

      Kate M
      January 3, 2020

      Great partners, complete transparency

      This is my first time working with hard money lenders and I lucked out –Xpress Loans 911 is everything opposite of what people warned me about. Robert and Jill were courteous, timely, and transparent. All of which my bank lender was NOT. They were willing to partner with me on my purchase on a very fast turnaround time and that made all the difference. I wouldwork with them over any other hard money lender.

      December 23, 2019

      Absolute crystal clear approach, which is what I most most

      We recently acquired a business loan for our amazing project in Florida, and our experience has just been phenomenal. What I like everyone in Xpress Loans 911 is so down to earth and so approachable and I mean even at the top. My link to Xpress Loans was with the Co-Managing Partners, Robert and Jill. They have been fantastic, and they were there through every step of the way, until the Loan was approved. They make the process so seamless and effortless. No doubt that they do need good documentation to support providing you the loan, but the good thing is that they work with you to get what they need to advance the money. I call it the crystal-clear approach! We are so happy that we decided on Xpress Loans 911 versus another Lender. If you are in Florida and looking for a personal or business loan do not hesitate to call Robert and I am certain that you will not be disappointed. Thank you, guys! as we depend on you so much for our success.

      Jackie S
      December 4, 2019

      Angelie Velasquez

      For me it is a pleasure to work with the Xpress Loans team, very good communication, especially repeated in the process.

      December 3, 2019

      Great service so far.

      So far it has been great do business with Xpress Loans. One thing that would most likely draw up more business for Xpress Loans and convinance for investor like me is to create a platform where investors can put in the property they are interested in and plug in numbers for the deal to see what the closing costs would add up and all other immortals Information thatis needed to help make a smarter decision into making the deal. For a reference follow with their platform. Other then that I enjoy working with Xpress Loans.

      November 30, 2019

      395 Aurora-investment #1

      Xpress has been a pleasure to work with thus far. This being our first experience with investment properties Xpress was patient, informative, professional and extremely helpful in the loan process. Look forward to this being one of many.

      Ina G
      November 4, 2019

      Great lending firm

      My first experience with Xpress Loans 911 has truly been amazing. Xpress Loans 911 lending process was extremely easy and seamless. Faye, Cj, and Joe gave me the best experience. I highly recommend this firm to any real estate investor.

      I look forward to working with them in the future.


      T J
      November 4, 2019


      I am beyond grateful for Xpress Loans and the way they were able to keep a deal together for me. Kim and Mary Ann are both amazing! They keep you updated every step of the way and made a stressful situation seem effortless. I appreciate the entire team at Xpress Loans can’t wait for our second deal.

      John G
      November 4, 2019

      Always reliable

      Xpress Loans 911 always comes thru when you need them…. they saved me on my first deal and pulled thru on my second … service is quick easy Andrew and Jessie were great… Xpress Loans 911 definitely reliable look forward to many other deals

      November 4, 2019

      Great follow up

      This is my first connection with Xpress and it looks great. Thanks Joe and Kim and all other team members. Hope to get this deal succeeded and start another one.

      November 4, 2019

      Seamless Investor Funding

      Working on the second deal now. Fast responses. Rory and Jessie have made the process so easy. Looking forward to many future deals.

      Jamish D
      September 5, 2019

      Amazing Company

      You guys are some of the most phenomenal caring individuals that I have met in the corporate world. I’m in the middle of having several medical procedures and still working hard to finally complete my project and your support has been priceless

      September 4, 2019

      Investor / Contractor

      Excellent place to secure funding without the hassle nor feeling like they are doing you a favor. Second time using them; was as seamless as the first. This should be the only place you should seek a hard-money loan in between projects.

      September 4, 2019

      Got Me Started

      I have been working with Xpress Loans 911 for 5 Years now and have done several million dollars of transactions and have never been disappointed. They gave me a shot when other lenders felt my credit score was too low, probably because it was early on in, they’re endeavors haha. The principles are hands on and care that you succeed. They have steered me away from some horrors and even pointed me in the direction of areas that were prime locations for flipping. Over the years they have scaled significantly however I haven’t noticed a drop off in quality, in fact I think they have improved. Robert, Jill and Kim have been a pleasure to work with and I hope to continue to grow our operation and relationship with Xpress Loans! You can see some deals they have financed on my youtube channel as well as get some tips on how to approach flipping real estate!

      September 4, 2019


      I never was so happy with a lender.
      ray and Toni thank you for amazing customer service.
      It was pleasure to works with you.
      Very quick response for anything I needed.
      Thank you again

      September 4, 2019

      Always Ready to Close

      I’ve been a repeat borrower over a year and done 3 deals. This business is definitely filled with ups and downs and having a solid lender backing you is essential. I’m happy to know Robert and his team are always there to help and get the deal done. Ray, Adrian and Anthony are a pleasure to work with. Your financial backing has helped grow my business tremendously. Thank you!

      September 2, 2019


      I was so impressed with the staff at Xpress…the Robert and Jill 2 Punch Team are so amazing…from application to transfer of funds , 284k, to close was less than 8 days. They are so supportive and instructional to get me passed the finish line…don’t waste time with others…definitely check them out..They crusssshed it!!!!….I give them my highest selective 5 dino rating

      Dory P
      July 22, 2019

      Jax – Principal

      Xpress Loans 911 did a fantastic job with my loan when several other options I had found that they could not do it. From the beginning the communication was great. Anthony, Ray, Robert and Claudia were all right on top of everything from the first call I made to Anthony. Where else in your day to day life do all your emails and phone calls get answered immediately. This was not a cookie cutter loan but they made it work. I am looking forward to seeing what they can do with an easy one. I would highly recommend giving them a try.

      Jax S
      July 14, 2019

      Simply Amazing

      I don’t know where to begin. This company helped me when no one else would to bring my Veteran Housing into fruition. I never in my life saw lenders who genuinely care about there clients needs the way they do. Patient kind caring lenders didn’t exist or so I thought until I met Jessie. He believed in my project when no one else would and i will be forever grateful. This company is the reason some of our well-deserved Veterans will have a QUALITY place to call home that they will be proud to call home. Xpress has changed my life. I often see reviews and wonder if people are real who write them. I can tell you that I am real, and my story rings true. I have had an amazing experience with this company and i truly can’t express my gratitude in just a review. Xpress keep impacting lives as you do what you do and you will always prosper. God bless you and every family member of Xpress Loans 911.

      Tonio H
      June 28, 2019

      Studs amongst duds!

      Stand alone – awesome customer services, communication, speed, etc. comparatively – studs! Go ahead, try another lender – I dare you. You’ll come back and they won’t even make you grovel! Seriously, the best.

      May 24, 2019

      Unbelievable service

      I have now done almost a hand full of deals with Xpress Loans 911, and the only thing I can say is they are just AMAZING to work with and more importantly they are great people.
      Quick approval, quick processing time, and top of the line communications and support. I would definitely recommend working with them, they will not let you down.
      Shout out to Kim, Jessie and Mary Ann your all amazing to work with and go above and beyond to satisfy your clients
      I look forward to our next deal together.

      May 2, 2019

      Looking forward to many more projects with Xpress Loans 911

      Xpress Loans 911 has been fantastic to work with. This is our first “Fix and Flip” and Xpress Loans could not have been any more AMAZING! We had a super tight timeline as we needed to change lenders midway though. Xpress was there to help pick up the pieces and made sure it happened. Looking forward to many more transactions with Kim, Claudia and Joe, and their team!THANK YOU for making this an easy part of the process! Can’t wait to see this transformation on your upcoming newsletters!

      Babe D
      May 2, 2019

      BEST Lender I’ve dealt with

      I’ve dealt with multiple lenders before. Xpress Loans 911, by Far is the best lender. From application origination to closing, they have been nothing but the BEST. I’d highly recommend them to all investors out there! Looking forward to closing all my future deals with Xpress. Special thanks to Robert, and all the team out there, Ray, Kat, Claudia. Thank you!!

      May 1, 2019

      As a business owner and a investor, Xpress Loans 911 has always been by our side when we needed them and i would definitely recommend them to others!!!

      May 1, 2019

      Ahmad nijim , flipper

      Great experience with ab lending, it was my first time using a hard money loan for ine of my flips, I reached and everywhere i go they recommended Xpress Loas 911, a great company that is there for you when you need to close , when I started doing the application I was overwhelmed with the paperwork and the process, they were there with me to explain every step of the way. And helped me get this deal done , without them I definitely cant grow my business.

      Ahmad N
      February 28, 2019


      Much More then a lenderpartners , family, friend you will be in a very good hands.

      February 28, 2019

      Seamless Positive

      After investing with a partner for many years, my husband and myself decided to branch out independently. Xpress Loans 911 understands the goals and aspirations of its investors, and sees their vision with an acute eye for benefits, and pitfalls. The process was seamless, quick and most of all informative. As we work on this project we are already looking intoour next. I’ve worked with other lenders, and this one outshines them all….

      Lewis M
      February 4, 2019

      Awesome service

      Awesome experience with Xpress Loans 911. I always call Sofia Ramos when I have any questions and she always helps.

      Miggy R
      February 2, 2019

      Manager of RE

      Had great experience working with the team at Xpress Loans. Looking forward to more opportunities to work together.

      Joe G
      February 1, 2019

      Fast service

      I was most impressed with the speed of the service. I will continue to do business with Xpress Loans 911

      4 D
      January 9, 2019


      Just Amazing from head to toe, Xpress is one of the easiest and best financial institutes I have ever USED!!!. Keep up the great work whole team!

      Billy F
      January 3, 2019

      First time flip with the help of Xpress Loans 911.

      I This was my first time flip and Xpress Loans 911 was the recommended Lender.
      I have to say with the help from Pierre, Faye and Kat the transaction was seamless. They guided me through the process and I am now looking at my second property. Thank you Xpress Loans 911.
      Sincerely, JS

      Johnny S
      January 3, 2019

      Professional service. Best team.

      Xpress Loans 911 are the best at what they do. They help you throughout the deal, and close very quickly. Your loan officer is available 24/7 to help you with any questions you have. They also have their own attorneys and recommend appraisers that do great work. All around a fantastic experience. Thank you team.

      January 3, 2019

      Great team!!!

      Xpress Loans 911 was an amazing company to work with. Extremely professional, knowledgeable and really moved quicker than any lender I have worked with. Robert, Ray and Adrian all worked together to get this done with as much ease as possible. Highly recommend them to anyone with financings needs.

      Danny m
      January 3, 2019

      Look no further –Xpress Loans 911 is your lender

      I’ve been using Xpress Loans 911for a couple years now and they have made every transaction extremely easy. They make the process smooth and are able to close very quickly. They are a pleasure to work with….Andrew, Jessie and the rest of the team are great!!

      January 2, 2019

      This is the lender to use

      Review by Erin on 11 Dec 2018review stating This is the lender to use

      Xpress loans 911 is amazing! I’ve never delt with a better lender, this was my first flip project I was so new to This process, I wasn’t to sure what to expect. I spoke with SEVERAL lenders like lending home, found that flip, storm field and Thats just to name some but not all.

      When I got incontact with Xpress Loans 911 I didn’t have anything ready, I didn’t have Read more about review stating This is the lender to use

      a house under contract, I didn’t even know what house I was looking at but i wanted to call and introduce myself and my idea as well as the game plan to start flipping . They walked me through everything I needed and boy did I ask a lot of questions. They where out standing , they had answers and patience with everything I threw that them! Then when I finally got a house under contract they funded the deal within 2 weeks! Not to mention the first week was pretty much me getting my paper work in order. Then on top of that, they pointed me in the right direction for help with my insurance which was great !

      Listen if your looking for a lender, take it from me – reach out to Xpress Loans 911 . I’ve done your home work and research for you THIS IS THE COMPANY TO GO WITH !!

      Thank you Jill, Ray and Anthony you guys make the difference !!!

      December 11, 2018

      ABL The Best of the Best!!

      Xpress Loans 911 made it so easy for me to finance my first deal and they didn’t clobber me with crazy points like other lenders were offering. They are definitely my go to lender. Thank you Xpress Loans 911!

      Joey L
      November 24, 2018

      100 % i will refer asset based lending

      I don’t have words they are the best on the market… they help you all the way so you can make your dream come true,,,,
      cash is not the problem no more>>>>>>

      Hailey D
      October 29, 2018


      Great, simple and powerful process. I do think I will ever go else Where!

      October 26, 2018

      Quick and easy !!!

      Xpress Loans they are great to work with very fast on processing the loan from start to finish .. will definitely use them again and recommend them to friends ..keep up good work!!

      maria f
      October 26, 2018

      Frankie C

      I have been in the business for nearly 30 years and even during the best of times I have never dealt with a company like Xpress Loans. I was introduced to Xpress Loans by a friend about 6 months ago and have just closed my fifth deal with them since. Every time the process gets easier and easier because from the processor (Kim) to the coordinator (Jessie) to the Underwriter (Kim and Mary Ann) to the review attorney (Nick), each is incredibly knowledgeable in their field and are the most competent and straight forward individuals I have dealt with in this industry. They have the common sense that is lacking with so many other lending companies. I look forward to a long lasting relationship with Xpress Loans and have no reason to go elsewhere. I would highly recommend Xpress Loans to anyone.

      Frankie C
      October 25, 2018

      Lorena P

      Twenty years in the industry brokering loans and flipping properties… By far this was the SMOOTHEST transaction I have ever done. I don’t need any other lender . Joe and Rory was straight up, no chaser! No BS with common sense underwriting. Closing in less than a week. The processor, Rory was professional. The loan was done so quick, nobody had time to be unprofessional if they wanted to. These “Cats” are the REAL DEAL !

      September 20, 2018


      Xpress Loans 911 is great to work with from start to finish the people are pleasant to work with.

      ellie d
      September 5, 2018

      Highly recommended

      The team at Xpress Loans 911 was amazing and I couldn’t have asked for more! They helped me every step of the way to make the loan process very easy and worked with me to get me the loan amount I needed. The team is very knowledgeable and will even help you look over your investment deal to make sure your getting into a great deal. If this is your first time working with a real estate lender or if you have others you work with, Xpress Loans 911 would be the choice! Thank you for all the help Xpress Loans 911!

      JD D
      September 5, 2018

      Xpress Loans 911 is GREAT to work with

      We did our first two loans with Xpress Loans 911.. They were great to work with. Closed the first on in 6 days. The 2nd one was for a large opportunity that allowed us to acquire a Condo project that the Builder wanted out of and priced right. The loan process to approve us with our two Foreign National partners was as seem less as it could have been. We now read more about review stating Xpress Loans 911 is GREAT to work with We have three more applications in with them for three new construction loans!!!

      Ricky S
      September 4, 2018

      Beyond Reproach

      I only take on ambitious deals knowing that Xpress Loans 911 will be able to perform.

      September 4, 2018

      Great team at ABL

      I had typically always did deals with my own capital. When it was time to grow my Business, I reached out to Xpress Loans 911. Everyone was extremely professional, responsive, and cared about me getting to the closing table. I will definitely be using Xpress Loans 911as my banking partner for many more deals. Thank you to the whole team who made this a great experience.

      Carry K
      September 4, 2018

      Best Private Lender out there!

      Xpress Loans 911 got our loan done in less than 14 days, their team is top notch and they care about getting it done.
      Looking forward to work with them again on my next deal.

      CJ G
      September 4, 2018


      Closed our 5th loan in less than a year. Important part of creating a machine for win/win results

      Paula S.
      September 4, 2018


      Xpress Loans911 got my deal done in 14 days!! When another lender couldn’t deliver, Xpress Loans911 swept in and got my deal funded! I highly recommend using them.

      August 9, 2018

      Another successful closing!

      Thank you again to the Xpress Loans911 team for all your efforts to get our most recent loan closed. We appreciate your flexibility throughout the loan process and your quick responses to any changes along the way. Always a pleasure to work with professionals who clearly understand their clients needs. We look forward to much more business in the future!

      Pete M
      August 6, 2018

      Great to work with

      The Xpress Loans911 team has been great to work with since day one. Everyone I’ve dealt with has been helpful, respectful, and timely! Its very important to work with a competent and capable lender – Fast and efficient funding to help get deals done. Thanks again to the team at Xpress Loans911

      Zack S
      August 6, 2018

      ABL is a top choice hard money lender

      When I was evaluating hard money lenders, I was recommended ABL. I found Xpress Loans’ rates competitive and their customer support excellent. I got to know friendly and knowledgeable staff, A.K.A. team Xpress Loans, including Kim, Joe, Claudia. I will recommend ABL to anybody, and I give them five stars.

      MA2U D
      August 4, 2018

      Awesome group, extremely professional!

      It’s a pleasure working with everyone here. Everyone from the top to the bottom handled my transaction and work as a team. This is our 5th or 6th transaction and we will continue to do business with Xpress.

      Mari T
      June 20, 2018

      Happy to have you on my team

      This project wouldn’t have been possible without your help.
      I am so happy I have you on my team! It has been a great learning experience!

      January 11, 2018

      Brandywine Investments LLC.

      I am the Owner of Brandywine Investments LLC. 15 years +
      Residential Investment & Commercial Broker.
      The service,trust and professionalism at Xpress Loans 911is second to none.
      Recently closed on a 26 Unit Townhome Development.(New Construction)
      Looking forward to 2018

      December 11, 2017

      I very much appreciate Xpress Loans 911

      I very much appreciate Xpress Loans 911help and support. They are funding my first rehab and have been very supportive in every way. The staff is very efficient, organized, helpful and couldn’t be nicer!
      Thank you!

      Dina P.
      December 9, 2017

      looking foreward to the next one!!

      Great asset to our team! Honest , strait fore ward and easy to work with , no surprises at closing or throughout the deal, I would definatly recommend
      Thank you Robert!!!

      Paula S
      December 1, 2017

      Greatest team ever

      Xpress Loans 911 team is a breeze to work with. The whole team is very detailed, responsive and generous with explanation and guidance throughout the process, plus all are nice and friendly. Highly recommended! Special thanks to Ray, Alex and Sidney. You rock guys!

      Belle F
      November 30, 2017

      Customer Satisfaction

      I am currently working with Xpress Loans 911 on a fix and flip project, every aspect form initial approval to advances even to monthly interest payments has been extremely easy and efficient, I would recommend Xpress Loans 911 to anyone in need of project financing and look forward to my own ongoing relationship with them

      November 30, 2017

      Verified Reviewer

      Xpress Loans 911 made the whole process very quick and efficient. Everyone was very helpful and friendly. Prompt and did everything as expected. Donna is a wonderful process and very knowledgeable, Cant wait to find another property and work with your company again..

      Kath R.
      November 30, 2017

      Real Esate Broker

      Great company with a lot of flexibility to finance for your investment

      Fay C.
      November 29, 2017

      Support Over Scrutiny

      Xpress Loans 911 is great in immediately establishing an accessible, intimate and very supportive team to handle your loan. The loan process is not mysterious or intimidating wherein you feel as if you’re being exposed and scrutinized by a back room team of financial sharks. You get the sense that they are team members, not creditors.

      Michl G.
      November 29, 2017

      Excellent Support Team, very experienced and knowledgeable

      Xpress Loans 911 made the whole lending process very quick and efficient. Had a great team to analyze my deal and they helped me realize a higher profit by going through the rehab costs with me. Great support throughout the project. I felt very lucky to have found the best lending partner. Thank you.

      Oli S.
      October 8, 2017

      Verified Reviewer

      I have seen a lot of Hard Money Lenders being in this business for a while but the way Xpress Loans 911 handles the start to finish process is above and beyond it so easy to get done because there is a system in place and Jennie does an incredible job keeping the paperwork updated so you can get your loan done.If you are serious about real estate investing andneed a loan there is no other place to go to but  I appreciate the time Robert, Ray, Sidney and the whole team has put in to make the experience great

      Marv L.
      October 2, 2017

      Growing my flip business

      XPRESSLOANS has allowed me to grow my business by providing excellent service and fast turn times on financing for all of my projects. I look forward to continuing to work together for years to come. the team at XPRESSLOANS is top notch.

      Andy F.
      May 2, 2017

      Exceptional Customer Service

      My husband and I are new investors and were introduced to Xpressloans. We are amazed on how Xpressloans operates. Everyone is very professional and responsive! Whenever you call or email, you will get your answer timely! Xpressloans will work with you even you are a firsttimeinvestor. Requirements are simple and list out clearly for us to follow. I highly recommend Xpressloans and have introduced other investors to them as well. Keep up with the exceptional work Xpressloans911!!!

      Winnie C.
      May 2, 2017

      My First Deal With XPRESSLOANS911

      I am currently in the middle of my first deal with XPRESSLOANS and it has been perfect thus far. Rory communication and customer service is top notch. Jill makes Inspections and draw disbursements fast and easy. Jessie has been a great source in helping get my project completed. I plan on working with them again on future goals and highly recommend their company.

      May 2, 2017


      My wife and I are new investor. We had research hard money loans and finding so many of them had so many hidden fees. So I was getting to the point of not going through with investing on properties. I happen to see XPRESSLOANS website and decided to call and spoke with Alex not only did he explain the process but was upfront with their fees. Customer service is outstanding. We finally got our first deal and when it came down for the closing cost it was on point no hidden fees. I am grateful for XPRESSLOANS and all the staff that made it happen and its true they close very quickly. Can’t wait to do buisness with XPRESSLOANS again.

      May 2, 2017

      Great Lender!

      Working on my third project with XPRESSLOANS and it has been nothing but a pleasure! They treat us like clients and not a number in their books. All of their employees go above and beyond trying to help in the process of securing a loan for a project. The underwriters (Kim and Mary) are pleasant to talk to and strive to give you the best options to make your flip successful! I look forward to many more deals with XPRESSLOANS!

      May 1, 2017

      Great Personality !!!

      So far my interaction with XPRESSLOANS has been great. Although, there are better terms & pricing out in the hard money world, I value working relationships more over money so I stay at XPRESSLOANS 🙂

      May 1, 2017

      Truly Cared About Me

      About 6 weeks ago I was on the internet surfing trying to get a hard money loan for a property that I have in Pennsylvania which I had for about 2 years and I couldn’t do anything with it. I tried by having a contractor go in and give me a price to rehab it which we agreed on and he was supposed to finish the job in three months and put a tenant in there for me and then manage it. This never happened, instead what did happen was he took my money and never did anything. During that process I bought another property in the same town based off his advice before I found out he wasn’t doing anything on the first house, and the plan was for him to rehab that one as well. None of this got done. While surfing I end up speaking to a guy on the phone from Xpress Loans 911 by the name of Alex. He took my application but explained to me that the location and the criteria of the property did not fit their portfolio. But as we kept talking I noticed he really was concerned for my well-being and he started giving me advice on my options and what to do with the property.
      As a result of staying in touch with him I was able to put the house under contract, make some connections with sellers and buyers for the future, learn about different techniques to use in the future and potentially have the second property going into contract pretty soon.
      In a little less than two months with Alex’s advice I’m able to clean up two years worth of a mess that I accumulated from lack of experience. I’m waiting for the title to clear on my first contract and then looking to do the same within the next couple weeks on the 2nd one. Thanks to the gentleman from Xpress Loans 911.

      March 28, 2017
      March 25, 2017

      Excellent team work

      Everyone at XPRESSLOANS seems to have mastered their roles, from Faye to the closing team, the process went very smooth and the team worked very well together to quickly close our first hard money loan.
      Thank you XPRESSLOANS!

      Peter M.
      January 14, 2017

      Verified Reviewer

      XPRESSLOANS will work with you and help you make loans happen it took awhile however Kim and Mary help me get thru, good customer service, I know for a fact I got on their nerves,however when I called the two of them they took the time out to talk to me that’s what I liked about them,it was my 1st time going thruhard money lenders an the Jenni and Kim took time out with me to make to make it work… Thanks XPRESSLOANS staff.

      Anne R.
      December 1, 2016

      The hard money lender with a soft side

      I rarely write testimonials yet after
      30 years of flipping properties this
      Situation is notable.
      my company was approaching a 1 year loan maturity when the title
      Company delayed the binder
      After receiving the loan extension
      Agreement I contacted dan who
      While on a family trip emailed me
      To simply say a few days Is no
      Issue and extended the loan
      Without fees ,it is a rarity for a hard money lender to not take advantage
      Of every opportunity for profit.
      It’s refreshing to see a principal
      Act graciously as opposed to grabbing
      Profit when given the opportunity.
      Clearly this is a different style of
      Lender who is efficient,smart and
      Obviously thinking long term.
      I couldn’t have asked for a better
      Partner and they have earned my next deal.

      Kev Q.
      September 1, 2016

      Above and beyond service!

      We’ve worked with Rory and Claudia on several deals, and can say these guys go the extra mile to earn our business. They are the partner you can’t afford not to have.

      June 1, 2016

      One of the best

      Richard and I truly believe you are one of the best hard money lenders out there and it shows! We are so happy we found you and wanted to share the advantages of working with Xpress Loans with other real estate investors.

      Sunny R
      March 17, 2016

      Other lenders are obsolete

      Working with Xpress Loans has made other lenders obsolete in my opinion. Ray and Andrew are very resourceful, knowledgeable and willing to go the extra step to ensure the success and completion of projects. They’re not typical hard money lenders, they truly care about their borrowers and really strive to see the success and growth in others.

      Jay D.
      October 27, 2015

      Excellent job

      I just wanted to take this opportunity to thank you, your staff, and support vendors for your assistance with the closing of the loan. Everyone did an excellent job and I am pleased with the fast results.

      Michael K.
      October 10, 2015

      Diligent and persistent

      Thank you very much for your diligent and persistent follow-through to eventually close this loan in spite of frustrating obstacles & delays. You’ve displayed similar performance on past transactions, so I look forward to bringing you more viable business and closing even more lucrative deals in the foreseeable future.

      harley E.
      July 12, 2015

      Xpress Loans 911 is a Business Lender and only Lends for Business Purposes Only

      Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.

      100% Purchase is subject to experience, liquidity, credit score. It subject to complete underwriting based upon program guidelines. These guidelines and programs are subject to change at any given time.

      **Leverage advertised is the highest offered. Actual leverage and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, market conditions, etc.

      Advances are made directly by Xpress Loans 911 Your actual rate depends upon credit score, advance amount, advance term, and credit usage and history. Repayment terms range from 4-84 months depending on the type of loan taken out and the loan amount. Advances will not impact personal credit score.