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Thank you for the opportunity
Free Consultation

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


Match you with the best loan options from our network of 1300+ lenders.

Thoughtful Guidance

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

Client comes first. 

A large part of our work is the pre-underwriting 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 pre-underwriting process, which involves data collection of borrower financial statements, rent roll analysis, borrower experience, and review of collateral, tax return, and credit. Essencap is part of a 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 a variety of funding initiatives, such as single-tenant, large, mixed-used, office, apartment building, hotel, and construction loans. Including business owner loans with or without real estate as collateral. Our clients including doctor office, gas station, laundromat, restaurant, manufacture type funding request.

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


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 in 2004 with a BS in International Trading. 

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

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Henry Zhang


Over 10 year experience in real estate development manager, experience including commercial real estate reposition projects in Rochester, Buffalo and greater New York area. Knowledge and passionate in commercial real estate development. Oversees work, timeline and financing goal in these developments.  Strong Financial analysis skill in underwriting potential development and acquisition deals. Supervising vendors involved in the management of the firm’s existing assets. Assist partners in investor presentations to potential investors.

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