Commercial & Mixed-Use Real Estate Loans
Essencap is a direct private lender financing commercial and mixed-use real estate for investors and operators — office, retail, industrial, multifamily, hotels, and mixed-use buildings — across the New York metro and nationwide. We finance the deals that don't fit a bank's template: the complex, the time-sensitive, and the “obscure” property a conventional lender won't take the time to understand.
Because we're a direct lender, the person who underwrites your deal is the person who gets it to closing — with the certainty that on a large, complicated transaction, it will actually close.
What Essencap finances
Commercial real estate is property used for business purposes — leased to tenants or operated by the owner to generate income. Essencap finances the full range:
• Office — from single condo units to multi-tenant buildings
• Retail — storefronts, strip malls, and shopping centers
• Industrial & warehouse
• Multifamily & apartment buildings
• Hotels & hospitality
• Mixed-use — buildings that combine uses, such as retail on the ground floor with apartments above, or commercial and residential units in one property.
Mixed-use is a core Essencap specialty — the kind of property that confuses lenders who want a building to be one clean category, and exactly where a lender who underwrites the whole deal has the advantage.
What we finance it for
Commercial financing from Essencap covers the full life of a deal:
• Purchase — acquire an income-producing property.
• Refinance — replace existing financing on better terms.
• Cash-out refinance — pull equity from a property you own to fund your next move.
• Partner buyout — finance the acquisition of a partner's stake.
• Reposition & stabilize — capital to bring a property to the point where it performs and qualifies for long-term financing.
Building from the ground up is its own process — see our Ground-Up Construction financing.
The Essencap difference
Commercial deals are where “doesn't fit the box” stops being a slogan. Large transactions, unusual properties, and complex structures are precisely what a bank's process is worst at — and what a relationship lender is built for.
A real underwriter, not an algorithm. We underwrite the property, the income, and the structure of the deal — including the ones that don't fit a standard category. When a deal is complex or “obscure,” a human who understands it can find a path a system can't.
Certainty on a deal that matters. On a multimillion-dollar transaction, the cost of a deal falling apart late is enormous. We tell you early and honestly whether we can do it — and when we say yes, we close.
The terms we quote are the terms you close. No drift between the term sheet and the closing table.
We know your market. Decades of commercial and mixed-use deals across Manhattan, Queens, Brooklyn, Long Island, and the wider NY metro — the property types, the tenants, and the values.
Real commercial deals
A few commercial and mixed-use transactions Essencap has funded:
Midtown Manhattan
$10M refinance of a mixed-use retail and apartment building
Flushing, Queens
3.88M mixed-use property purchase
Ronkonkoma, NY
$2.6M cash-out refinance of a four-unit retail strip mall
Who commercial loans are for
Commercial financing from Essencap is built for the experienced investor or operator working on larger, structurally complex deals — the buyer acquiring a mixed-use building, the operator refinancing a retail center, the investor repositioning an underperforming property.
It's especially suited to the deal that doesn't fit a template: an unusual property, a complicated ownership structure, or a transaction a bank passed on not because it's a bad deal, but because it takes real work to understand. That work is exactly what Essencap does.