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XPRS Capital

About XPRS Capital

We believe the financial system has let down the very people who need it most. Many small businesses are denied access to credit merely because their owners do not have great credit, or because they are not a priority for traditional lenders. There is a clear gap between those who can cheaply access finance and those who cannot access it at any price.At XPRS, our goal and our mission is to use technology to bridge that gap. We use the latest technology to efficiently connect small businesses with capital so that these businesses, the lifeblood of the American economy, can grow and prosper.We deliver small business loan application decisions in minutes and funding in as quickly as 1 business day. Less paperwork and less hassle means more time for you to focus on your business.XPRS is not a broker. We are a direct lender and the source of capital. At XPRS, we work directly with small businesses which allows us to offer great rates, fast responses, and full transparency.Unlike traditional banks, XPRS focuses on the cash flow and health of your business, not personal credit history. We use innovative ways to help small businesses like yours get access to capital quickly, efficiently, and affordably.

XPRS Capital (xprscapital.com) has 107 customer reviews on Five Star Index, with an average rating of 4.7 out of 5.

Also known as: xprscapital.com
Website: xprscapital.com
Category: Investments & Wealth
Location: Santa Monica, California
Listed on Five Star Index: 2026

About these reviews

Replies: The company replied to 4% of reviews.
Latest: Most recent review: August 2023.
Edits: Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score: This company cannot pay to remove reviews or change its score.

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XPRS Capital reviews

Showing 2 reviews with 2 stars · Clear filters

Michael
Mar 19, 2019
Buyer Beware
Buyer Beware, Xpres sent me a pre-approval letter in the mail. I decided to give them a try because of the ease of the application. They contacted me after I submitted the application and said I was approved for the loan and they would send me a contract. After filling out the contract with my personal information, they contacted me and said the loan was declined. Then I received 3 loan emails from other companies. I would not recommend this company.
Response from XPRS CapitalApr 5, 2019
Hello Michael, While we always do our best to provide our customers with a loan approval, sometimes in our final underwriting process, new information presents itself which can change the risk profile and, as in your case, change the decision. We are terribly sorry we were not able to assist you with your lending needs. We are a Direct Lender, you can be confident that we did not send or sell your information to any other lenders or brokers. If you received emails from other companies, it definitely was NOT related to us or our processes. Please feel free to reach out to me to discuss further at 877-659-5399. We wish you all the best. Diane Head of Sales
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Rommel
Jun 23, 2017
Emotional Hi's and Low's Giving In to XPRS Marketing Letters
I recommend that XPRS Capital remove the first paragraph on its mission statement to wit: "We believe the financial system has let down the very people who need it most. Many small businesses are denied access to credit merely because their owners do not have great credit, or because they are not a priority for traditional lenders. There is a clear gap between those who can cheaply access finance and those who cannot access it at any price." Furthermore, stop sending High Approval marketing letters to businesses that disqualifies per company's approval assessment processes. This marketing campaign increases the emotional stress for business owners who in your mission statement need it most. I still appreciate the experience. Now I know what to do with marketing letters I received and learn to swallow my pride and finally ask family and friends for help. They are the ones who truly understand why you need funding and the ability you will be able to pay them back.
Response from XPRS CapitalAug 22, 2017
Dear Rommel, We sincerely apologize to you for not meeting your expectations. We do our utmost to accommodate all of our applicants but sometimes that is just not possible on our platform, so we never guarantee a loan offer. Please feel free to contact me should you have any questions at all about our process. We wish you the best and hope that we can be more helpful to you in future. Diane, Sales Manager
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