THE TEAM
At Essencap Funding, our success is driven by a dedicated team of seasoned professionals with decades of combined experience in commercial lending, real estate finance, and business funding. Based in Great Neck, NY, we combine deep industry expertise with a hands-on, client-first approach to deliver fast, tailored solutions. Get to know the experts committed to turning your investment goals into reality.
Paul Louie
Founder & Managing Director
With over 30 years in financing and lending, Paul leads Essencap with a passion for empowering real estate investors and business owners. His expertise spans traditional and non-traditional loans, including SBA programs, private lending, and commercial real estate deals nationwide. Paul has personally overseen billions in funded transactions, building lasting client relationships along the way.
Susan Xia
Loan Originator
Originates a wide range of commercial real estate and business loans tailored to investors and entrepreneurs nationwide.
Works directly with clients and our loan partners to understand their unique goals, recommending the best financing solutions—from bridge loans, fix-and-flip financing, and construction loans to long-term rental programs, SBA loans, and owner-occupied commercial real estate.
Andreas Odysseos
Direct Lender
Specializing in Residential Transitional Loans (RTLs) and private credit solutions for real estate. His focus is in Residential Transitional Loans (RTLs), which include Bridge, Fix & Flip, Ground-Up Construction, and DSCR loans. These loan types are key to helping real estate investors and developers access the capital they need for short-term projects, often based on after-repair value (ARV) or future property performance
Kayan Chow
Business Development Manager
Leads business development for Debt Service Coverage Ratio (DSCR) loan program, serving as the primary point of contact for real estate investors and referral partners nationwide. With deep expertise in investor-focused lending, she guides clients through every stage of the process—from initial consultation and application intake to loan processing, documentation review, and underwriting coordination. Oversees the underwriting team to analyze property cash flow, calculate DSCR ratios, and ensure fast, efficient closings tailored to rental portfolios, fix-and-flips, and long-term investment properties.
Jeff Hsieh
Loan Originator
Focuses on crafting customized financing solutions for real estate investors and business owners across the country.
He partners closely with clients to assess their needs and originate a variety of loan products, including bridge loans, fix-and-flip financing, construction loans, DSCR rental programs, SBA options, and owner-occupied commercial real estate financing. Oversees the origination process end-to-end, handling consultations, application assembly, document collection, and seamless coordination with processing and underwriting teams to achieve rapid approvals and closings.
Our Process
Initial Consultation and Needs Assessment
01
Information Gathering
You submit basic details about yourself, the property (or business), and the loan request—such as property address, purchase price, estimated value, and intended use—via our simple online application or by emailing our team.
02
Understanding Your Needs
Our experienced advisors discuss your objectives in depth, whether it's a purchase, refinance, cash-out, fix-and-flip, or renovation funding. We explore your timeline, budget, and any challenges you've faced with other lenders.
03
Preliminary Review and Pre-Qualification
We conduct an initial assessment of key factors like your experience as an investor/borrower, credit overview, and property potential (including a broker's price opinion or quick valuation check). This often results in a pre-approval or term sheet outline.
Underwriting and Processing
01
Ordering Third-Party Reports
We commission professional appraisals, environmental assessments (if needed), and other verifications to accurately confirm the property's value and condition.
02
Credit and Background Review
We pull and analyze your credit report, review your financials (e.g., liquidity, assets), and assess your track record in similar deals—focusing on experience rather than perfect credit.
03
Formal Underwriting and Approval
Our team performs a comprehensive risk analysis, including loan-to-value (LTV) calculations, debt service coverage (if applicable), and your exit strategy (e.g., refinance, sale, or stabilization). We issue a formal commitment letter upon approval.
Closing and Funding
01
Title Search and Insurance
We coordinate a thorough title review to ensure clear ownership and secure title insurance for protection.
02
Legal Document Preparation and Review
Attorneys draft and review loan documents, including the note, mortgage/deed of trust, and any guarantees, ensuring everything aligns with the approved terms.
03
Final Closing and Disbursement
We schedule a convenient closing (often remote), finalize signatures, and wire funds directly—typically within days of clearing conditions, so you can move forward with your project immediately.