1. Receive & review your request for financing.
2. Ask you specific questions about your project/property to determine the best lenders that will fit your needs.
3. Identify possible lenders.
4. Review lender guidelines; call and/or email them with any specific questions regarding their guidelines and your project/property.
5. Build a financing package that meets the specific lender's guidelines to ease the underwriting process. Time is of the essence. We will require information from you. The faster you can provide us that information, the faster we can prepare the package and submit it.
6. Submit financing package to lender.
7. Wait for approval and answer any questions (with your help) that the lender may have.
8. Review the lender's offer with you, our client.
9. Close!
10. Thanks!

Remember, part of the process depends on you, the borrower client. If you do not provide us information and documents in a timely manner, it may negative effects on your financing request.

NOTE: As of January 15, 2008, to complete step number 5 (above) and in order to submit your loan to lenders, there will be a $1500 processing fee that is credited back to you once your loan is funded. This fee is to ensure that we better serve you by not wasting time with projects that we believe, based on experience, do not have a good chance of getting funded. We will gladly provide a preliminary evaluation (at no charge) to determine whether your project fits.

Below is a sampling of the financing Esenai Capital has access to:

Commercial Income Producing Properties – Majority Residential Component Stated Income Verified Assets, Full Doc and No Doc

• Small Cap Commercial Mortgage - $250,000 to $1MM Loan Amounts
• Mid Cap Commercial Mortgage – Above $1MM to $6MM Loan Amounts
• Large Cap Commercial Mortgage – Above $6MM to $20MM Loan Amounts
• Super Cap Commercial Mortgage – Above $20MM to $99MM Loan Amounts
• Mega Cap Commercial Mortgage – Above $100MM Loan Amounts

Submit multi-family financing request.

Commercial Industrial Property

Stated Income Verified Assets, Full Doc and No Doc

• Minimum Loan Amounts start at $500K
• Maximum Loan Amounts to $20MM (or more on a case-by-case basis)

Full Doc

• Minimum Loan Amounts start at $2MM
• Maximum Loan Amounts to $50MM (or more on a case-by-case basis)

Submit industrial financing request.

Office Complex – Low Rise, Hi-Rise and Sprawl, Small Unit, Large Unit Stated Income Verified Asset, Full Doc, No Doc

• Minimum Loan Amounts start at $250K
• Maximum Loan Amounts to $100MM (or more on a case-by-case basis)

Submit office financing request.

Dry Cleaners, Automotive Centers, Chemical Conditions, Stand Alone Restaurants Full Doc only 60% Max LTV

• Minimum Loan Amount start at $500K
• Maximum Loan Amount Case By Case

Submit special use financing request.

Full Doc Only

• Minimum Loan Amounts to Maximum Loan Amounts are all Case by Case
• Minimum Key Count of 25

Submit hotel financing request.

• Minimum Loan Amounts of $1MM
• Minimum Equity of 15%

Submit equity request.

• Minimum Loan Amount of $250,000
• Max CLTV of 75%
• Cross Collateralized Property Only

Submit bridge financing request.

• Loan Amounts as low as $500,000
• Loan Amounts as high as $2MM
• SBA Construction Loans up to $20MM

Submit SBA financing request.

• Multiple Loan options available at various loan amounts and structures

Submit development financing request.

• Mezzanine Financing
• Capital Raising
• Joint Ventures
• Private Offerings

Submit equity financing request.

• All Loans are case by case
• Not Solely Credit Driven
• Minimum Loan Amounts start at $500K
• Rates Start at 12% -15%
• Limited Doc Requirements
• Some Points Built into Payoff

Submit hard money financing request.

• LTV Range from 65% to 90% based on Aged AR
• Loan amounts starting at $250K

Submit factorinig request.

Submit Proof of Funds request.