About Us
At Equasis Capital we provide origination and pre-underwriting services for select US direct lenders and are part of the loan process. We help corporate and real estate borrowers across the US, and the legal and accounting professionals who advise them, to quickly access confidential loans directly from best-in-class lenders — without broker distribution.
We work in three loan categories:
- Asset Based Loans for Operating Companies $1M to $100M
- Cash Flow Loans for Operating Companies $500k to $10M
- Bridge Loans for Commercial Real Estate $1M to $30M
Unlike brokers, we start pre-underwriting immediately for a lender who’s expertise, terms and pricing is best in class for your loan category. For the borrower this means no broker fee contract, a higher level of confidentiality, quick accurate loan terms, fewer redundant information requests and a faster close.
Brokers often shop a loan request across multiple lenders of varying ability, including running it past other brokers and agents behind the scenes. Every link in that chain risks confidentiality breaches and can cause delays. Many lenders become aware of widely shopped deals and will abandon them as a waste of resources. Other lenders will issue preliminary soft terms designed only to win the mandate, terms they know will significantly change later in the process. Additionally, many lenders discourage broker fees being paid from loan proceeds to keep their pricing competitive.
Our Market Niche for Small to Middle Market Company Loans (Primarily US; Also Canada, EU, Australia, New Zealand & Latin America)
- Speed of funding in weeks, where banks take months
- Distressed companies with urgent needs
- Sectors that are traditionally challenging to underwrite
- Specialized, unusual and out of favor industries
- Equipment including high value
- Complexity including legal or regulatory
- Very fast cash flow based funding for opportunistic lucrative deals with a quick exit
Our Market Niche for Commercial Real Estate Loans (US Only)
- Quick closings in 2-3 weeks
- Distressed situations with urgent needs
- Deals unlikely to secure a conventional loan (speed, complexity, legal issues)
- Land and horizontal development loans
- Most CRE categories, including multifamily, industrial, retail, hospitality, self-storage and many others
Who We Are
Frank Kusmer - Born and raised in Illinois, Frank was deeply influenced by his father’s entrepreneurial spirit and family values. His father was a real estate developer so he understands the work ethic and drive required to be successful in a private business. Frank has a BBA and over the past 35 years he has experience in senior management, project management, strategy development, business brokerage and debt financing. Frank places a strong emphasis on transparency, analytical accuracy and bottom line results.
Vicki Sawyer - Vicki has an Honours BBA. She was born and raised in Canada and formerly worked as a mortgage broker. She also worked in originations for a direct private lender, securing debt financing for commercial and multifamily developments. Her expertise at real estate fundraising allowed projects to proceed which would otherwise have had no traditional sources open to them. Her attention to detail and commitment to excellence provides a solid foundation clients have come to trust and rely upon.
FAQ's
How do you work with borrowers? We work directly with borrower decision makers throughout the loan process. We discuss initial loan requirements and options, review loan documents for accuracy and appropriateness, coordinate borrower – lender discussions, and support communication through due diligence until loan closure.
Where are your lenders located? In the US.
Do you work with agents? Borrower referrals with no associated fees are always appreciated. We do not accept referrals involving success fees or referral fees. Referring agents are not included in communications with our lenders.
Do you work with brokers? No, we no longer work with brokers. We work with borrowers who come to us directly.
Do you work on Canadian loans? Yes, please contact us with your loan requirements.
Do you work on loans outside of North America? Yes, for companies with appropriate collateral, cash flow and audited financials.
What are Equasis' fees? Lenders cover fees for our origination and pre-underwriting services.
Are there any up front fees? We do not have any up front fees. Lenders typically have standard due diligence deposits to enter into formal underwriting.
Is confidentiality protected? Yes confidentiality is strictly protected, including using non-disclosure agreements when necessary.
