Analyze your financial situation with lender’s guideline and insight.


Match you with the best loan options from our network of 3000+ lenders.


Prepare all paperwork and guide you through the entire application process.

Client comes first. 

A large part of our work is the preunderwriting process. In order to seek successful funding for our clients, we need to understand our client's history, story and the number. Our free consultation includes the preunderwriting process, which involves data collection of borrower financial statement, rent roll analysis, borrower experience, and review of collateral, tax return and credit. Essencap is part of vast network of multiple programs and funding sources. We always seek solid footing upfront. The better we can understand our client’s goal and ability to align our financial model with the client data, the better we can fund your projects faster.

We have our inhouse financial model to analyze variety of funding initiatives, such as single tenant, large, mixed used, office, apartment building, hotel, construction loan. Including business owner loan with or without real estate, such as doctor office, gas station, laundromat, restaurant, manufacture type funding request.

We know our client has options, and we do encourage our client speak to as many of the lenders possible. We are here to educate and serve our client.


Paul Louie

Paul holds an MBA in Finance from Suffolk University, Boston and a BBA in Accounting from City University of New York-Baruch College. He has built a vast network of Fortune 500 business partners, and wields a track record for building cross-functional teams to improve processes and achieve organizational goals.

Throughout his executive career, Mr. Louie has held leadership positions at organizations including Essencap Funding LLC, Barclays Capital, UBS, Wachovia Securities, Credit Suisse First Boston, Bank of America, and JP Morgan Inc. 

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Susan Xia

Graduated from Nankai University since 2004 with BS in International Trading. 

Susan has over 15 year experience insurance, residential mortgage loan originator and now focus on commercial loan. Expert in investor commercial real estate loan organization, single tenant, mixed used, office and apartment building. She brings expertise from financial modeling, application process, pre-underwriting screening, review credit profile, negotiate term and offer best class service in the loan process.

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45 Middle Neck Road, Suite 220

Great Neck, NY 11021



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