There are not enough words to say about how great Express Business Loans (Citi Wide Merchant Funding) are. Mike and Irina will do whatever they need to help you get the amount of funding you require in the fastest time. Even in the beginning (2010), when nobody would fund my small business because they didn't understand my business model - online education, this company did. Michael asked me to explain my business and said he would do what he could to get funding. He came back a few hours later and told me it was a done deal. He could get me financed and it would be done that day. I couldn't believe it, the process was efficient and expedited, and my small business issues were resolved. If I didn't have them (Mike and Irina) at that time to say "Yes we can help you", I may not be in business today. A year or so later I had a business emergency come up, and still had an outstanding balance, but I had to call Michael and see what he could do to help me. Once again, without fail, he made it happen. I was able to resolve my emergency and continue my business. If I need anything, I call in the morning and it's done by the afternoon. When nobody else was there for my small business, they were!!!! I will never go anywhere else for funding. They're stuck with me :) read more

All the staff that I talked to were terrific - my local community bank didn't want to even consider us for a line of credit, due to closing a 2nd business just a few months ago and the books looked like we took a huge loss. After jerking us around for 3 weeks, they told us that they would fund us. Within 2 days with ExpressBusinessLoans, we got funded. They really listened to what we needed, and looked at more than just a year's worth of tax returns, but really looked at our entire 10+year business, what we have done and haven't done, and helped up with 15month funding that is very manageable without tying up all our cash flow. They were always communicating with us, via email and phone calls, we knew exactly where we were in the process. Highly recommend this company, as they help small businesses quickly with funding. Agree with the other reviews, they are not offering "traditional" funding, but they do work diligently to get you what you need. read more

This is my second loan with Express Business Loans. I had a great experience working with Irina, John and Michael. Irina got me approved in such a short period of time and was able to get me the best deal for my business. The process was smooth and easy. Irina was extremely responsive and straight forward. I had a few choices and she guided me and explained all the details. She did not promise me or tell me what I wanted to hear. Irina delivered and did what she said she would do. I'm very pleased with the service from EXPRESS and I look forward to a long term relationship. Irina and Michael YOU BOTH ROCK! read more

We were introduced to Express back in 2012. To say the least we are currently on on third loan from Express and couldn't be any happier. They are always able to get us exactly what we needed in less time than most banks. The staff has always made us feel at ease, it feels like your are dealing with a long time friend. They remember us every time I call there, even if its been a year or two. :-) The terms are always fair and upfront. This company will help you any way they can to achieve your financial needs. Thank you Express!! read more

Excellent lending source for a small business. I provided standard loan documentation and within a short, more than reasonable period of time, my loan was funded. I have used Express Business Loans twice, and the second time around was an even faster process (approximately 4 - 5 days from application to funding). Brad was a tremendous help and maintained great communication of status throughout the process. I definitely recommend Express Business Loans to other business owners. I am a satisfied customer, twice over! read more

ExpressBusinessLoans.com came through for us in a big way. Our manufacturing business ran into some cash flow problems due to a recent recall and we were not sure how we would make payroll this month. Of course, none of the bigger banks wanted to help when we needed it- if only we had applied last month before we needed help. John, Michael, and Irina processed our loan application quickly and we were funded in a few short days. Now I know who to call when we hit bumps in the future. Thanks guys! read more

I worked with Michael and Irina when by business hit a snafu. Their reaction time to meeting my needs and executing on the process was invaluable. You need to understand the programs they offer, as they differ greatly from traditional bank lending with more costly terms and daily payments. They willingly disclosed all of this upfront and explained in detail the process. If the programs are right for your company, they are excellent to work with to resolve your funding needs. read more

First time using citi wide funding. We are a small auto repair business and due to huricanne sandy we were without work for 2 weeks. 2 weeks may not seem like much, but the shop pays all the bills for home and business. We talked to Irinia and she answered all our questions and was able to get us funded in a couple of days. They were kind and efficient. Would recommend them to other small companies that are hit hard by this economy...thank you! read more

Extremely satisfied with their service and the way they met the needs of our start-up company. John was professional every step of the way and answered every question I had. The paperwork was easy and the funding came the next day. They even had a translator ready for us since the owner was Vietnamese and couldn't communicate in English well. We will definitely do business again with Express Business Loans. read more

Express Business Loans!!!! They are the most professional and efficient business financial institution that I have EVER dealt with in my 11 years of business. Funding is quite unconventional however in this day and time its what works for everyone. Truly an A1 organization. I recommend dealing with Michael and Irina and their entire organization if you are looking for seamless and quick funding options read more

As business has been good for us this year, we were seeking additional funding to continue our growth through hiring more employees and free up cash flow. The team at express business loans was the company we partnered with for those funds, they were fast, responsive and professional to work with. We will recommend them to other small businesses and look forward to working with them again. read more

Funding can be a complex, stressful, and lengthy process. Patrick Kirkwood and his associates at Express Business Loans were professional, ethical and diligent in getting us the funding we needed. They are truly experts in funding and are dedicated to helping small businesses get the financing that they need. Highly recommended. They should be your first and only point of contact. read more

Great customer service. Everything happened as promised... high interest though and lots of fees. EBL said yes when my bank just stuck me with a mound of paperwork. The approval was quick, the money even quicker. I would definitely recommend this service to small business who need money fast and don't have what the big banks want in terms of credit, collateral, and longevity. read more

Excellent company to work with, they're sales staff is motivated to help you in your time in need or if you just need a little boost to fill that order that'll push you thru the hard times. I took 3 separate advances with them and each time they worked with me, I was able to access the money I needed to fill an order in 48hrs or less; I cannot give them enough praise. read more

Just wanted to tip my hat to Brad and Irina for completing this loan for me. Even though this was a situation of everything that could have gone wrong did go wrong, they stood fast and got everything done to completion and I'm very happy for their assistance. I will definitely refer them to my associates who are looking for small business loans. Great job! read more

Irina and Brad both helped me obtain three different loans to Purchase the building where my business is located. I was offered weekly or monthly payments for one of them and daily for two. The process was simple and I paid off two already. The last one will be done in a few months. Irina really knows her stuff and is upfront about the process. read more

We are a small business and we have to say that we are extremely excited to be able to work with Express Business! They were all around friendly, and they made everything run smoothly and easy for us! They are not lying when they say they will reach back to you in less then 24 hours. We also appreciate how fast they worked with us. -Remaca read more

Very satisfied with the quick response and professionalism experienced dealing with this company. Our assigned representative was awesome and kept checking in until funds were received. They came through in a very big way when our company experienced unforeseen circumstances and needed urgent same day funding. Highly recommended! read more

I have been a client of Brads for well over a year now. Him and his team has proven time and again to be at the top of there field! And although I hope I will not need this kind of financing, it has bailed me out of difficult spots more than once. Thanks again Brad, for giving me the time I needed to sort it out... read more