Essencap is a diversified, full-spectrum services firm.
Essencap is a private money lender dedicated to empowering real estate investors with fast, affordable capital solutions for their investment properties. From seasoned professionals to first-time investors, our qualified team delivers exceptional service that helps your expand real estate portfolio.
Based in Great Neck, NY, Essencap operates as a specialized commercial lending firm focused on delivering optimal financing solutions. Our experienced professionals work one-on-one with each client to identify loan options tailored to their unique requirements.
With over two billion dollars in loans delivered nationwide, we have established a proven history of successful financing across diverse real estate assets and business ventures. Our extensive experience spans virtually every type of commercial real estate and business category.
We support our community by providing premier loan programs to real estate investors and business operators. Through deep industry knowledge, years of specialized experience, and personalized full-service support, we secure successful funding outcomes for every client.
Our well-earned reputation reflects our dedication to your success. When you work with Essencap, you gain a partner committed to helping you achieve your investment goals.
Direct lender offering 30-year fully amortizing loans on investment properties—no balloons, no tax returns, no DTI. Up to 80% LTV, cash-flow-based underwriting, transparent pricing, and close in an entity to shield personal assets. Simple, fast, investor-focused.
Direct lender for fix and flip projects. Our loans cover a purchase loan plus 100% renovation costs, so you never tie up your own capital. Designed for investors who buy, rehab, and sell quickly, we offer rapid approvals and typically close in 10–15 days with a simple, straightforward process. You keep every dollar of profit, no points dragged out, no hidden fees. We also provide bridge loans and ground-up construction financing under the same investor friendly terms. Turn properties faster with Essencap.
Every day at Essencap Funding, we meet dedicated business owners who have built successful companies and now need the right financing to fuel their growth. With so many loan options available, it’s easy to feel uncertain about the best path forward. That’s where we step in—providing clear, expert guidance on government-backed programs tailored to your unique goals. Whether you’re looking to purchase or improve owner-occupied real estate, secure working capital for seasonal needs, refinance existing debt for stronger cash flow, or acquire equipment to grow operations, we help you choose the financing that fits your vision and moves your business forward with confidence.
Commercial real estate includes office buildings, retail centers, warehouses, industrial properties, apartments, hotels, student housing, and mixed-use developments—all designed for business use and income generation through leasing or ownership.
Investing offers monthly rental income plus long-term appreciation, with opportunities for both active management and more passive approaches. While higher-risk than residential real estate, it remains a powerful wealth-building vehicle for informed investors.
Why Choose Us?
Experience
Precision Pro Team
Commitment to Excellence
Track Record
The Way We Do It
At Essencap Funding, we pride ourselves on a fast, transparent, and borrower-focused loan process. As a boutique firm specializing in commercial real estate, fix-and-flip, bridge, and business loans, we close transactions even faster for straightforward deals. Our approach emphasizes the property's value, your experience, and a clear exit strategy, allowing us to provide flexible funding where traditional lenders may fall short.
We break down our process into three major steps, each with three key sub-steps. This structure ensures efficiency while thoroughly assessing your needs and mitigating risks
Initial Consultation and Needs Assessment
Underwriting and Processing
Closing and Funding
This three-step framework makes Essencap's process straightforward and efficient, backed by our team's 30+ years of experience and over $2 billion in funded loans. Whether you're a seasoned investor or tackling your first commercial deal, we're here to guide you every step of the way.
