Wise Capital
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Wise Capital advises developers, operators, and investors on structuring and securing commercial real estate financing across every major loan type. We navigate lenders, structure terms, and move transactions from concept to closing — faster and smarter than going direct. Our fee is earned at closing, not before.
Wise Capital advises on the full commercial real estate capital stack — from below-market CDFI debt for affordable housing to fast-execution bridge capital for value-add acquisitions. Every loan type below carries the same fee structure, the same scope of work, and the same standard: 1–2% earned at closing only.
Mission-aligned financing for affordable housing, community development, and economic revitalization. Below-market rates from Treasury-supported community development funds, with the ability to stack with grants, tax credits, and subordinate debt.
Capital structured for projects being built, rebuilt, or substantially rehabilitated. Interest-only draws as work progresses, with construction-to-perm options that eliminate a second closing at certificate of occupancy.
Short-term financing for transitional, value-add, and time-sensitive transactions. The fastest execution in CRE — bridge lenders focus on collateral and exit strategy rather than trailing income, closing in two to four weeks.
Recapture equity from stabilized assets without a taxable event, or reduce debt service to improve NOI. Non-recourse structures available on qualifying multifamily through agency programs and life company debt.
Up to 90% LTV on owner-occupied commercial real estate with as little as 10% down through the SBA 504 program. SBA 7(a) provides up to $5M for real estate, equipment, working capital, and business acquisitions.
Long-term, fixed or floating rate debt for stabilized income-producing assets. Regional banks, credit unions, and life companies for multifamily, retail, industrial, and mixed-use. Portfolio lenders for non-conforming assets.
If your deal sits between two of these — or fits none of them cleanly — that is the conversation we are good at having.
Discuss your dealWise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees.
Every engagement follows the same disciplined process — built to identify the right capital source first, structure the deal before it goes to lenders, and keep the file moving from term sheet to funding. The timeline below is the standard. Bridge transactions compress it. CDFI deals extend it. The work is the same.
We review the deal, sponsor, and asset. We confirm whether the transaction qualifies and which loan type fits.
We match the deal to the right lender from our network — bank, CDFI, debt fund, life company, or SBA Preferred Lender.
We structure the transaction and prepare the full loan package — financials, narrative, pro forma, and supporting documentation.
We benchmark term sheets against current market and advise on rate, LTV, recourse, prepayment, and reserves before you sign.
We coordinate with your counsel, the lender, title, and third-party reports through funding. Fee earned at the closing table.
Bridge2 – 4 wks· Conventional30 – 60 days· Construction30 – 60 days· Refinance30 – 75 days· SBA45 – 90 days· CDFI60 – 120 days
Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees. Timelines are typical and not guaranteed.
The practice is structured around four buyer profiles. Every engagement starts with the same question — who is the borrower, what is the asset, and what does a successful capital event look like? If the answer is clear, the rest of the work is execution.
Sponsors building ground-up multifamily, mixed-use, or commercial projects. Construction loans, construction-to-perm, and CDFI debt for affordable and mission-aligned developments.
Owner-operators executing value-add, repositioning, and refinance strategies on stabilized and transitional assets. Bridge, conventional, portfolio, and cash-out refinance.
Private capital and family offices acquiring or recapitalizing CRE — multifamily, retail, industrial, mixed-use. Acquisition financing, recap structures, and portfolio refinance across multiple lender types.
Small businesses acquiring their own commercial real estate or making a business acquisition. SBA 7(a) up to $5M, SBA 504 with as little as 10% down, and conventional owner-occupied lending.
Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees.
Wise Capital's Capital Advisory team advises directly on structuring, lender selection, and closing coordination. The work happens in the same building as the fund and the platform — which means the structuring you get reflects what an actual operator would underwrite, not a broker chasing a placement fee.
The advisory practice is a distinct division of Wise Capital, LLC, with its own team, its own workflow, and its own compensation structure. Every engagement is executed to the same operator-first standard that governs the firm's own real estate acquisitions. Same operating discipline. Same underwriting rigor. Different capital source.
The team that qualifies your deal is the team that structures the term sheet, coordinates with the lender, and runs the closing checklist. No associate-to-analyst hand-off. The person answering questions on your term sheet is the person who structured it.
Wise Capital owns and operates a multifamily real estate fund. Every term sheet is benchmarked against what the firm would accept on its own balance sheet — not what a broker would accept to close a placement. The structuring discipline is the same as the fund's.
Wise Capital's founder and Managing Principal, Christopher Wise, is a licensed Kentucky attorney with structured-finance experience. That legal fluency informs how the advisory team reads term sheets, prepayment language, recourse carve-outs, and closing conditions. Independent legal counsel still drafts and reviews loan documents — that work belongs to your attorney, not to us.
Wise Capital's affiliated software platform — ForVue — generates HUD CNA-formatted property condition reports through a patent-pending Weibull-Bayesian model. Borrowers pursuing HUD 221(d)(4), 223(f), or other agency programs can move from advisory engagement into a defensible CNA workflow without a third-party scope rebuild.
No retainer. No upfront engagement fee. Wise Capital is paid one to two points of the loan amount at closing, from loan proceeds. If the deal does not close, no fee is owed. No referral fees, finder's fees, or compensation accepted from lenders, CDFIs, SBA Preferred Lenders, or agencies — the success fee paid by the client is the only compensation.
Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees. Christopher Wise is a licensed Kentucky attorney and does not represent advisory clients in a legal capacity in connection with advisory engagements; clients retain independent legal counsel.
06 / FAQ
Straight answers to the questions that come up most often during the first conversation with a potential advisory client.
The success fee is 1 to 2% of the loan amount, earned at closing. There is no retainer, no upfront engagement fee, and no monthly billing. If the deal does not close, no fee is owed. The fee is paid out of loan proceeds at closing in the same disbursement as the lender's own closing items.
Bridge loans close fastest — two to four weeks from term sheet to funding. Conventional and construction loans typically close in 30 to 60 days. Refinance deals run 30 to 75 days depending on third-party report availability. SBA 7(a) and 504 transactions require 45 to 90 days due to underwriting committee review and SBA approval. CDFI debt is the longest, typically 60 to 120 days because of fund-specific diligence requirements.
No. Wise Capital is not a licensed mortgage broker. We advise on structuring and lender selection, review and benchmark term sheets, and coordinate the closing checklist. We do not originate loans; the lender does. We do not represent clients as legal counsel in connection with the advisory engagement. If you need legal representation or a licensed broker, we can refer you to independent counsel or a licensed broker in your jurisdiction; those engagements are separate from any Wise Capital advisory relationship.
ForVue is Wise Capital's affiliated software platform. It generates HUD CNA-formatted property condition reports using a patent-pending Weibull-Bayesian failure analysis model. For borrowers pursuing HUD 221(d)(4), 223(f), or other agency programs, Wise Capital can prepare a CNA-formatted property condition report using ForVue's patent-pending Weibull-Bayesian failure analysis model. For non-HUD transactions, ForVue is not required to use Wise Capital's advisory services. ForVue is operated separately from the Wise Capital Fund.
No. The founder is a licensed Kentucky attorney, but Wise Capital does not represent advisory clients in a legal capacity in connection with advisory engagements. Clients retain their own independent counsel for all legal review, loan documentation, and closing representation.
Throughout the United States, with the practice typically focused in the Midwest. CDFI capital for mission-aligned developments is available in most Midwest states and other target markets. For deals outside the Midwest, lender availability and program eligibility are confirmed as part of the qualification step before engagement.
Five filters: loan size of $1M or more (sub-$1M considered case by case), a commercial real estate asset, a credible borrower with a fundable balance sheet, a documented use of funds with a credible exit, and geographic fit. Deals under $1M are considered case by case. If your deal clears those filters, we have something to talk about.
Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees. Christopher Wise is a licensed Kentucky attorney and does not represent advisory clients in a legal capacity in connection with advisory engagements; clients retain independent legal counsel. Timelines, loan terms, and lender availability vary by transaction and are not guaranteed.
07 / Engagement
A 30-minute intake session to qualify the transaction, discuss the right loan type and lender profile, and outline next steps. That is the conversation — before engagement letters, before fee commitments, before anything is signed.
Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees. Christopher Wise is a licensed Kentucky attorney and does not represent advisory clients in a legal capacity in connection with advisory engagements; clients retain independent legal counsel. Fund investor relations and the Wise Capital multifamily fund are handled through a separate workflow and investor portal; advisory engagements do not include fund subscription or investor services.
The disclosures below govern all Wise Capital Capital Advisory engagements and the content presented on this page. Prospective clients should read these in full before any engagement discussion.
Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, broker-dealer, investment adviser, or law firm.
Advisory services do not include loan origination, lending, placement of securities, or financing guarantees. The lender — not Wise Capital — originates and funds any loan that may result from an advisory engagement.
Christopher Wise is a licensed Kentucky attorney, admitted to practice in the Commonwealth of Kentucky. In the context of Capital Advisory engagements, Christopher Wise does not represent advisory clients in a legal capacity, and no attorney-client relationship is formed between Wise Capital and advisory clients.
Clients retain independent legal counsel for all legal review, loan documentation, closing representation, and any other legal matters. Advisory communications are not subject to attorney-client privilege.
Wise Capital, LLC also operates a private multifamily real estate investment fund (the "Fund"). Fund investor relations, subscription services, and investor reporting are handled through a separate workflow and investor portal.
Capital Advisory engagements do not include fund subscription services, do not grant any interest in the Fund, and do not constitute an offer to sell or solicitation of an offer to buy securities. Advisory engagements and Fund investments are separate.
ForVue is Wise Capital's affiliated software platform that generates HUD CNA-formatted property condition reports using a patent-pending Weibull-Bayesian failure analysis model. ForVue operates as a separate software product.
ForVue is not required to use Wise Capital's advisory services. ForVue licensing is a separate commercial arrangement and is not included in advisory fees.
Timelines, loan amounts, interest rates, loan-to-value ratios, loan terms, and lender availability referenced on this page are typical ranges only and vary by transaction. They are not guaranteed and do not represent commitments by any lender.
Actual terms depend on borrower qualifications, asset specifics, market conditions, lender appetite, and underwriting outcomes at the time of application. Past engagements do not guarantee future results.
Capital Advisory engagements do not create a fiduciary relationship between Wise Capital and the advisory client. Wise Capital does not accept referral fees, finder's fees, or compensation from lenders, CDFIs, SBA Preferred Lenders, or agencies in connection with advisory client transactions.
The success fee paid by the advisory client at closing is the sole compensation received by Wise Capital for the engagement.
Wise Capital, LLC — a Nevada limited liability company, managed by Wise Family Holdings LLC. Headquartered at 303 Middletown Park Place, Suite G, Louisville, KY 40243.
This page is provided for informational purposes only. Nothing on this page constitutes legal advice, financial advice, tax advice, investment advice, or an offer to sell or a solicitation of an offer to buy any security or financial product. Prospective advisory clients should consult with their own independent legal, tax, and financial advisors before entering into any engagement or transaction. Governed by the laws of the Commonwealth of Kentucky.
Wise Capital is a Reg D 506(c) Class C value-add multifamily fund for verified accredited investors, acquiring 20- to 60-unit assets across Louisville and six other Midwest markets. Every asset runs on ForVue predictive maintenance intelligence from day one. Wise Advisory structures agency debt for outside sponsors.
303 Middletown Park Place, Suite GLouisville, KY 40243+1 (502) 408-5552
Accredited investors only.
Verification required.
Form D filed:
KY · CA · IL · PA
August 8, 2026
Securities offered by Wise Capital, LLC (Nevada). Managed by Wise Family Holdings LLC. This website does not constitute an offer to sell or a solicitation of an offer to buy any security. Wise Capital is offered pursuant to Rule 506(c) of Regulation D under the Securities Act of 1933. Securities are available to verified accredited investors only as defined under 17 CFR § 230.501(a). Form D notice filings are current in Kentucky, California, Illinois, and Pennsylvania as of the August 8, 2026 amendment. Marketing to residents of any other state may not be permitted. All projections are projected, not guaranteed. Past performance does not guarantee future results. See the Private Placement Memorandum for full risk factors and offering terms. Wise Capital, through its Capital Advisory division, provides consulting services only. Wise Capital is not a licensed mortgage broker, lender, placement agent, or law firm. Advisory services do not include loan origination or financing guarantees.
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