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Glass Buildings


   Client comes first

Essencap is uniquely equipped to help clients secure the financing they need quickly and efficiently. Our team of experienced professionals understand the critical importance of the pre-underwriting process, giving them the insight needed to analyze client data and create a financial model that is tailored to their goals. With access to multiple programs and funding sources, Essencap can ensure that you get the best possible outcome on your project. 

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. 

Full Profile on LinkedIn


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.

Full Profile on LinkedIn



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.

Full Profile on LinkedIn


Kayan Chow

10 year experience in assisting client in the Florida region in both account, tax reporting, mortgage industry. Kayan earn her degree from University at Buffalo with focus on Accounting and Finance, Master in Accounting from Devry University.

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