Commercial Real Estate & Business Loans

When the bank says no, we find the yes.

We place commercial real estate and business loans, including SBA 7(a) and 504, bridge, and hard money. We have direct access to two Preferred SBA lenders, so your file moves faster and you get a real answer instead of a maybe.

Talk to us → See how it works

Lumica Capital · Overview Captioned

00 / 06

IWhy Lumica

When a bank turns you down, that is where we start.

A bank says no, or it just moves too slow, and a good deal stalls. We work directly inside two Preferred SBA lenders and a wide network of private and institutional capital. That lets us place loans most brokers cannot, and move while they are still waiting on a callback.

We do not shop your file around. We are internal to two Preferred SBA banks, so the file moves from day one.

You get a real Letter of Intent. We run preliminary underwriting up front, so you know where you stand fast.

If one bank will not, another lender will. Bank, institutional, family office, and private money, all in one place.

What makes us different

Direct access most brokers do not have.

✓

Internal to two PLP SBA banks. Preferred Lender Program access means faster files and real preliminary underwriting.

✓

A wide capital network. Bank, institutional, family office, and private lenders, matched to your deal.

✓

Boutique and white-glove. A named person walks you through it, start to finish.

IILoan Products

Real estate or business, we have a loan that fits.

Real Estate Loans

Property

Commercial Purchase & Refinance
Buy or refinance almost any commercial property through SBA, conventional, or alternative programs, with low-doc options.
Bridge Loans
Short-term financing to cover the gap between one loan and the next. 6 months to 2 years.
Hard Money
Asset-based financing secured by the property, when the deal needs to close fast.
Rehab / Fix & Flip
Buy and renovate a property to flip for a profit, or a fix-and-hold option to keep it.

Business Loans

Operations

SBA 7(a)
For real estate, equipment, inventory, expansion, or refinancing debt. Terms up to 25 years on real estate.
SBA 504
For land, new construction, or heavy machinery. Fixed rates, 10% down, 10, 20, or 25-year terms.
Secured & Unsecured Business Loans
Working capital and equipment financing built around what your business needs.
Contract, AR & PO Financing
Turn invoices, contracts, and purchase orders into cash you can use now.

IIIWho You Work With

Carl Giuffrida · Managing Director · Mount Sinai, NY

A real person walks you through it, not a faceless bank.

Lumica is a boutique firm. When you call, you talk to Carl Giuffrida, our Managing Director, who has spent decades in commercial real estate and business finance. He looks at your deal himself and tells you straight what we can do and how fast.

Carl Giuffrida

Managing Director

Decades of combined experience in commercial real estate and business lending. 631-240-4441

Lumica Capital

Mount Sinai, New York

A boutique commercial real estate and business lender. White-glove, start to finish.

IVHow It Works

Three steps from this page to a real Letter of Intent.

Tell us what you need

A quick call. You tell us the deal, the property or the business, and what the bank said.

We underwrite and shop it

We run preliminary underwriting and take it to our PLP SBA banks and our wider lender network.

You get a real answer, fast

A real Letter of Intent, not a maybe, so you can move on the deal with confidence.

Two PLP SBA banks

Preliminary underwriting up front

Real Letters of Intent

Bank, private & institutional capital

Let's get your deal funded.

Book a quick call with Lumica. We will look at your deal, tell you what we can do, and how fast we can get you a real Letter of Intent.

What loan fits your property or business
How our direct SBA bank access speeds it up
What it takes to get a Letter of Intent
A clear next step, even if a bank already said no

Book your call →

June 2026

‹ ›

9:00 AM

11:30 AM

1:00 PM

2:30 PM

3:30 PM

4:00 PM

Confirm & book