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Small Business Loan

Essencap offers construction loan for owner business occupant, apartment and condo construction project. Please find our checklist requirement per below.

  1. For investor greater than 20% ownership,

    • Please fill out the attached 1003 application.

    • 3 years of tax return (both personal and business (if the borrower own any other business)

    • Debt schedule per attached

  2. Please provide project summary

    • Budget

      • Land acquisition cost

      • Hard cost of material

      • All legal, architecture and labor cost.

      • Down Payment Amount

  3. Brief explanation of timeline 

  4. Description of the project,

    • # of unit, price point, permit status…etc.

    • Exit Strategy

      • Rental rate – need projected rental roll

      • Sale Price – need projected sale price

      • Need comps 

  5. Builder / Investor resume

    • Estimate of the borrower credit score. Any credit condition that we need to aware of.

    • Any recent appraisal /environment report


Tele/Fax: 888-269-1033        

Detail Instruction

Personal Financial Statement

Debt Schedule 

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Phone:       888-269-1033

Hours:        9:00 to 5:30 Monday - Friday



Address:    45 Middle Neck Road, Suite 220,

                    Great Neck, NY 11021

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