Capital that moves
your business forward.

Tailored financing solutions for commercial real estate, construction, and business expansion—backed by experienced advisors and a nationwide lending network.
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Why Encompass Lending

We specialize in providing flexible, strategic financing solutions for businesses of all sizes—from startups to seasoned developers. With decades of combined experience in commercial real estate and business lending, our team is dedicated to helping clients secure the capital they need to grow, invest, and succeed. We understand that no two projects are the same. That’s why we offer customized loan structures, competitive rates, and fast turnarounds tailored to meet the specific goals of each borrower. Whether you're acquiring a multi-family property, building out a retail space, or expanding your operations, our mission is to be your trusted financial partner every step of the way.

What Sets Us Apart

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Personalized Loan Consulting with Seasoned Experts
Receive one-on-one guidance from experienced financing professionals who evaluate your goals and financial needs to recommend the best lending strategy. We simplify the process and help you make confident decisions every step of the way.
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Access to a Nationwide Network of Lenders and Private Capital
Our extensive network of banks, private lenders, and institutional capital providers allows us to match your project with competitive financing solutions tailored to your needs.
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Transparent Process with Hands-On Guidance
From application to closing, we provide clear communication, proactive support, and expert guidance to ensure a smooth, efficient, and transparent financing experience.
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Financing for a Wide Range of Commercial Needs
We offer financing solutions for office, retail, industrial, mixed-use, construction, equipment, and other commercial projects, connecting you with lenders that best fit your financing goals.

What We Offer

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Bridge Lending

Flexible Solutions for Imperfect Scenarios. Balance-sheet lending for borrowers with less-than-perfect loan scenarios with a streamlined and borrower-friendly underwriting process.
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Hard Money Lending

Fast, Flexible, Equity-Based Lending. No ratios, no problem. Bad credit? That’s okay too. Approvals based entirely on liquidity, exit, equity, and experience making financing quick and easy.
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Commercial Lending
Financing for All Standard Asset Classes. We offer customized financing solutions for Light Industrial, Office, Retail, Hospitality, Mixed-Use, Niche properties, and more, designed to your unique investment goals nationwide.
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Multi-Family Properties

Flexible Financing for 5+ Unit Properties. We offer short and long-term financing solutions for multi-family properties with a residential focus in all major U.S. markets, ensuring tailored support for diverse investment needs.
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Portfolios (10+ Units)
In-House Programs for Investments. We offer business-purpose lending for all property types, including Fix & Flip, Fix & Hold, long-term portfolio financing with tailored solutions to support diverse investment strategies. 
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Construction & Development
Building Communities, Growing Businesses. We specialize in financing well-planned residential and commercial projects for developers, fostering community development, economic opportunity, and sustainable business growth nationwide.

Leadership

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Victoria Markowski

Victoria is the SVP of Commercial Lending at Encompass Lending, bringing more than 34 years of experience in residential and commercial real estate finance. Over the course of her career, she has successfully closed more than $1 billion in transactions, earning a reputation as a trusted advisor to business owners, investors, and developers nationwide.

Victoria specializes in structuring strategic financing solutions tailored to each client’s goals. With deep expertise in complex lending, underwriting, and market trends, she provides access to a wide range of loan products, including SBA, bridge, construction, and investment property financing. Known for her hands-on approach and strong national network of lenders and capital sources, Victoria is committed to delivering clear guidance, efficient execution, and results that help clients grow their portfolios and build long-term wealth.

Her philosophy is simple: People First. Solutions Always.

Inquire Now

Connect with our team to explore flexible financing solutions tailored to your goals. Whether you're launching a new venture, expanding your business, or investing in commercial real estate, we provide personalized guidance, competitive options, and a streamlined process from start to finish. Tell us about your needs, and let’s build the right funding strategy together.

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    Get in Touch

    Our experienced team is here to help you find the right financing solution for your business or real estate investment. Call, send us a message, or book a virtual appointment to explore how we can support your goals.

    Direct Line(719) 602-9381
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