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.
The advisory practice is run by the principal. There is no associate handing your deal to an analyst. 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.
Christopher works your deal directly through closing. The qualified team executes underneath the principal — not in place of the principal. If you have a question about your term sheet, the person answering it is the same person who structured it.
Wise Capital owns and operates a multifamily real estate fund. Every term sheet is benchmarked against what we would accept on our own balance sheet — not what a broker would accept to close a placement. The structuring discipline is the same as the fund's.
Christopher is a licensed Kentucky attorney with structured-finance experience. Term-sheet review, prepayment language, recourse carve-outs, intercreditor frameworks, and closing condition negotiations are read with a J.D., not a marketing deck. 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.
Seven questions that come up on every advisory engagement — answered straight, with the same language we would use on the call. If a question is missing, the call is the place to ask it.
No. 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.
Loan origination is performed by approved lenders, CDFIs, SBA Preferred Lenders, agencies, or other capital sources. Legal documents are reviewed by the client's independent counsel.
Six core CRE loan types: CDFI for affordable housing and community development, construction for ground-up development and major rehabilitation, bridge for value-add and time-sensitive transactions, refinance for cash-out and rate-and-term takeouts, SBA 7(a) and 504 for owner-occupied CRE and small business, and conventional and portfolio loans for stabilized assets through banks, credit unions, and life companies.
Adjacent programs including LIHTC capital stack structuring and state housing finance agency products are addressed when a deal calls for them.
The standard minimum is $1,000,000. Deals under $1M are priced case by case based on complexity and fit.
An advisory fee of one to two percent of the loan amount, earned at closing only. No upfront fees. If the deal does not close, no fee is owed.
No referral fees, finder's fees, or other compensation accepted from lenders, CDFIs, SBA Preferred Lenders, or agencies. The advisory fee paid by the client at closing is the only compensation.
No. Wise Capital does not warrant or guarantee that any transaction will close, that financing will be obtained on any particular terms, or that any lender, CDFI, SBA Preferred Lender, or agency will approve a loan application. Past performance does not guarantee future results.
Timelines vary by loan type. Bridge loans routinely close in 2 to 4 weeks. Conventional and portfolio loans typically close in 30 to 60 days. Construction loans typically close in 30 to 60 days from engagement. Refinance transactions typically close in 30 to 75 days. SBA 7(a) and 504 transactions typically close in 45 to 90 days through SBA Preferred Lenders. CDFI loans typically close in 60 to 120 days due to underwriting and stacking complexity of community development capital.
Timelines are typical and not guaranteed.
Yes. The practice is anchored in Louisville and works on commercial real estate transactions across the Midwest including Indianapolis, Columbus, Cincinnati, Kansas City, St. Louis, and Nashville.
CDFI, SBA, agency, and bank-syndicated transactions are advised on nationally where deal economics warrant the engagement.
If your question is not on the list, that is the conversation to have on the call — not the one to type into a form field.
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.
A 30-minute conversation tells us whether your transaction is structurable, which capital sources to approach first, and what a realistic close timeline looks like. There is no engagement letter to sign, no retainer, and no fee until your loan funds.
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 does not warrant or guarantee that any transaction will close, that financing will be obtained on any particular terms, or that any lender, CDFI, SBA Preferred Lender, or agency will approve a loan application. Past performance does not guarantee future results. Timelines and loan terms quoted on this page are typical and not guaranteed.
Wise Capital is compensated by an advisory fee of one to two percent of the loan amount, earned at closing only. Wise Capital does not accept referral fees, finder's fees, or other compensation from lenders, CDFIs, SBA Preferred Lenders, or agencies in connection with advisory engagements. The advisory fee paid by the client at closing is the only compensation.
Christopher Wise is a licensed Kentucky attorney. Wise Capital does not represent advisory clients in a legal capacity in connection with advisory engagements. Clients are responsible for retaining independent legal counsel for the review and execution of all loan documents and related agreements.
The Wise Capital Fund — a Regulation D Rule 506(c) offering — is available exclusively to verified accredited investors as defined under 17 CFR 230.501(a). Fund investor economics and Capital Advisory client engagements are separate and unrelated. No advisory client is required, expected, or solicited to participate in any Wise Capital fund offering as a condition of advisory engagement.
A Nevada limited liability company managed by Wise Family Holdings LLC. Acquiring Class C multifamily. Protecting it with ForVue. Structuring the capital stack through Advisory.
1700 Marinas Edge Way, Suite 715
Louisville, KY 40206
+1 (502) 408-5552
Accredited investors only.
Verification required.
Form D filed:
KY · CA · IL · PA
March 30, 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. 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.