Essencap Funding LLC

Essencap Funding LLC We help business owners and commercial real estate investors execute their financial goals by providing top-tier loan and funding solutions.

Dentists and healthcare professionals — here's what a well-structured practice loan can actually do for you:We just clos...
05/21/2026

Dentists and healthcare professionals — here's what a well-structured practice loan can actually do for you:

We just closed a $1,350,000 business loan for a dentist opening a new practice in New York City, and the structure did more than most people expect from a single financing:

🔹 Covered a full office renovation and build-out
🔹 Funded the purchase of new dental equipment
🔹 Issued a letter of credit to satisfy the landlord's lease deposit requirement — so the doctor didn't have to tie up cash out of pocket
🔹 Fixed at 5.2% for 10 years — long-term rate certainty from day one

The letter of credit piece is often overlooked. Many landlords — especially in competitive markets like NYC — require substantial deposits. Rather than locking up capital that could be invested in the practice, we structured the LC as part of the financing package.

The result? A doctor who opened the doors to a fully equipped, beautifully renovated practice without draining reserves.

Veterinary practice owners — here's a financing strategy worth knowing:Acquire your property → invest in improvements an...
05/18/2026

Veterinary practice owners — here's a financing strategy worth knowing:

Acquire your property → invest in improvements and equipment → restructure your debt to reflect the upgraded asset.

That's exactly what one of our clients did.

A veterinarian in rural Cape May County, NJ purchased their practice's property, then made significant investments in facility upgrades, modern equipment, and patient amenities — transforming the practice in the process.

After those improvements, the original financing no longer fit the picture. Essencap stepped in to restructure the deal, closing an $850,000 refinance at 65% LTV that better matched the property's improved value and the practice's financial profile.

The result? Better terms, stronger cash flow, and a financing structure built for where the business is today — not where it was at acquisition.

If you've invested in your practice and your financing hasn't kept up, it may be time for a conversation.

Did you know the SBA 504 loan program allows business owners to purchase commercial real estate with as little as 10% do...
05/12/2026

Did you know the SBA 504 loan program allows business owners to purchase commercial real estate with as little as 10% down?

We just put that to work for a wholesale beverage distributor in Brentwood, NY — closing a $5,000,000 acquisition at 90% loan-to-value.

The borrower had already acquired the business. The logical next move? Stop paying rent and start building equity in the property they operate from.

The SBA 504 program is one of the most powerful — and underutilized — tools available to small business owners. Long amortization periods, below-market fixed rates on the CDC portion, and high LTVs mean more cash stays in the business.

At Essencap, this is what we do every day.

🏆 Another Success Funding closed!We're proud to have funded a $900,000 Mixed-Use Real Estate Refinance in Brooklyn, NY a...
04/29/2026

🏆 Another Success Funding closed!

We're proud to have funded a $900,000 Mixed-Use Real Estate Refinance in Brooklyn, NY at a 62% Loan-to-Value — helping our client unlock capital and move forward with confidence.

At Essencap, we make complex deals simple.

From Hard Money to Long-Term Security: How Essencap Funded a New Restaurant Owner's DreamStarting a restaurant is one of...
04/27/2026

From Hard Money to Long-Term Security: How Essencap Funded a New Restaurant Owner's Dream

Starting a restaurant is one of the boldest moves an entrepreneur can make. And finding the right financing to sustain that dream? That's often the hardest part.

That's exactly the challenge one determined restaurant owner in Upstate New York faced. They had acquired a fully built-out, 5,000+ square foot restaurant space — complete with a professional kitchen, multiple dining areas, and ample parking — in a high-traffic commercial corridor with easy highway access. The business was up and running. But the clock was ticking.

Their bridge loan was expiring. They needed a long-term solution — fast.

The business had only been operating for about a year, and like many new ventures, the paper trail was thin. No tax returns. No rent history. Every traditional lender they approached turned them away.

Essencap Said Yes.

We looked at the full picture — the quality of the asset, the strength of the market, and the borrower's credit. That was enough. We funded $325,000, paid off the hard money lender, and replaced a stressful short-term obligation with a stable, long-term loan.

At Essencap Funding, we're proud to have supported a dedicated restaurant operator in the Bronx, New York, in making thi...
04/23/2026

At Essencap Funding, we're proud to have supported a dedicated restaurant operator in the Bronx, New York, in making this leap. By restructuring existing business debt and leveraging an SBA 7(a) loan to finance 85% of the real estate acquisition, we helped turn monthly rent payments into equity-building investments. This success story highlights how strategic financing can secure long-term stability and growth for owner-operated businesses. Let's explore the details of this transformative deal, informed by a recent appraisal report.

From Renter to Owner: A Strategic Move in a Prime Location
The borrower had been successfully running their restaurant business at this Bronx location for years, but as a tenant under a lease that started in 2023 and was set to run through 2033. While the setup worked, it meant pouring money into rent without gaining ownership benefits. Recognizing the opportunity to own the property, the owner decided to purchase it, securing a contract for $1,325,000.

This acquisition wasn't just about buying a building; it was about gaining control over the business's future home and stopping the cycle of rental expenses.

How Essencap Funding Structured the Deal for Success
At Essencap Funding, we specialize in crafting customized financing solutions that align with small business needs. For this client, we started by restructuring their existing business debt to create a more manageable financial foundation. This step freed up cash flow and positioned them for the next phase: acquiring the real estate.

We then facilitated an SBA 7(a) loan to cover 85% of the purchase price, minimizing the upfront capital required from the borrower. The SBA 7(a) program is perfect for scenarios like this, offering flexible terms for real estate purchases, including longer repayment periods and competitive rates. By combining debt restructuring with this high-leverage financing, the borrower could close the deal efficiently while preserving working capital for ongoing operations.

Building Equity: The Long-Term Benefits

Direct LenderNo tax return required,No proof of employment required,No W2 required,No income checks at all!Loan size: $1...
04/20/2026

Direct Lender
No tax return required,
No proof of employment required,
No W2 required,
No income checks at all!
Loan size: $100,000 to $4 million
Purpose: purchase, cash out and refinancing
Loan term: 30 years fixed/30 years amortized
Maximum lifetime value: Purchase – 85% / Refin – 80%
Minimum FICO: 660
DSCR

Excited to share that I'll be joining an incredible panel at the Southeast Real Estate Expo in Greenville, SC on May 6th...
04/17/2026

Excited to share that I'll be joining an incredible panel at the Southeast Real Estate Expo in Greenville, SC on May 6th! 🎉

As the founder of Essencap Funding LLC, SBA lending is something I'm truly passionate about — and I'm looking forward to sitting down with some of the sharpest minds in the industry to talk about what SBA lending actually looks like in practice.

We'll be covering:
✅ SBA 7(a) and 504 lending
✅ Borrower eligibility and business cash flow analysis
✅ Franchise considerations
✅ How deals move from application to approval — and why some stall

If you're a business owner, real estate investor, or lender trying to better understand SBA financing, this session is for you. No fluff — just real underwriting expectations and honest conversation.

📍 The Forum Room | 10:55 AM – 11:50 AM
📅 May 6th, 2026 | Roam Greenville One

hashtag , hashtag , hashtag , hashtag , hashtag , and more to help boost your reach. Let me know if you'd like any other changes!

If you need ticket, please DM me, happy to forward.

Direct LenderNo tax return required,No proof of employment required,No W2 required,No income checks at all!Loan size: $1...
04/14/2026

Direct Lender
No tax return required,
No proof of employment required,
No W2 required,
No income checks at all!
Loan size: $100,000 to $4 million
Purpose: purchase, cash out and refinancing
Loan term: 30 years fixed/30 years amortized
Maximum lifetime value: Purchase – 85% / Refin – 80%
Minimum FICO: 660
DSCR

Address

1 Barstow Road, Suite P6
Great Neck, NY
11021

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18882691033

Website

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