Loan Programs Built for Real Estate Investors
Essencap is a direct private lender for real estate investors and business owners. We finance DSCR rental, fix & flip, bridge, ground-up construction, commercial, and business-owner deals across the New York metro and nationwide — funding the deals that don't fit a national lender's box.
We're a direct lender, not a marketplace, so the person who reviews your deal is the person who helps get it closed — on the terms we quote, in the time we promise.
Built for the deal that doesn't fit “the box”
The national lending platforms do some things well — scale, technology, and sharp rate sheets. Where they fall short is the moment a deal needs a human judgment call, a fast yes, or a structure their algorithm won't allow.
That's the deal Essencap was built for. Investors don't come to us for the cheapest money — money is a commodity, and a dozen lenders will quote a rate. They come for certainty: that the deal will actually close, on the terms quoted, in the time promised, with someone who understands it.
Loan programs
Six loan programs, one direct lender. Find the financing that fits your deal.
Long-Term Rental / DSCR
30-year financing that qualifies on your property's rental income — not your tax returns or personal debt-to-income. Up to 80% LTV, close in an LLC.
Who it's for: Buy-and-hold investors scaling a rental portfolio.
(DSCR = Debt Service Coverage Ratio: the loan qualifies on the property's cash flow. LTV = Loan-to-Value: the loan amount as a share of the property's value.)
Short-Term Investor Loans
Fast capital to buy, renovate, or reposition — a purchase loan plus up to 100% of renovation costs, with closings often in 10–15 days.
Who it's for: Active investors moving on time-sensitive deals.
Commercial / Mixed-Use
Financing for office, retail, industrial, multifamily, hotel, and mixed-use properties — purchase, refinance, partner buyout, reposition, or construction. Built for complex deals that don't fit a bank's template.
Who it's for: Experienced investors and operators on larger, non-standard deals.
Business-Owner / SBA
Financing for owner-occupied commercial real estate, working capital, refinance, and equipment — including guidance on government-backed SBA 7(a) and 504 programs.
Who it's for: Business owners financing the real estate and capital behind their company.
(SBA = U.S. Small Business Administration, which backs certain loans to reduce lender risk.)
Why investors choose Essencap
The big platforms lose deals in predictable ways — rigid algorithms, mountains of paperwork, loans handed off after closing, and no one to call when something needs a human. Essencap is built on the opposite.
We underwrite the deal, the property, and your plan — not just a credit score in a system. If it makes sense, we work to find a way to do it.
One lender, first call to closing.
You work with a real lender the whole way through — not a call center, and not a different rep at every step.
The rate we quote is the rate you close.
No bait-and-switch at the table. The terms we put in front of you are the terms you sign.
We know your market.
Decades of deals across Queens, the Bronx, Long Island, Westchester, and the wider NY metro — and the relationships that close them.
Essencap's track record: $2B+ in loans funded · 30+ years of experience · lending since 2017 · nationwide.
How funding works
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Consultation & needs assessment. We learn the deal, the property, and your exit — fast. Often the first call tells us whether we can help.
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Underwriting & processing. We underwrite on the property's value, your experience, and a clear exit — the way lending worked before algorithms.
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Closing & funding. Straightforward closings, often in 10–15 days on clean short-term deals, with the same team you started with.
Jamaica, Queens
The Bronx
Hicksville, NY
Where we lend
Essencap funds deals nationwide, with deep roots in the New York metro — Queens, Brooklyn, the Bronx, Long Island, and Westchester — where local knowledge and relationships close deals faster.
Frequently asked questions
