Who We Are

AmeriCapital Lending LLC was founded in March 2025 in Sunny Isles Beach, Florida. Although it’s a new company, it’s backed by over 35 years of accumulated experience from its founders in the financial and real estate sectors. Since its inception, the company has been committed to offering personalized solutions in mortgage and business loans, standing out for its human-centric approach and professionalism.

At AmeriCapital Lending, we believe every client is unique. Our approach focuses on understanding your specific needs and offering tailored financial solutions, whether it’s for buying a home, expanding a business, or investing in real estate. We differentiate ourselves through our personalized attention, transparency, and commitment to our clients’ financial success.

Mission

At AmeriCapital Lending, our mission and commitment are to add value to our clients’ financial lives through our mortgage, commercial, and business loan services, as well as real estate development and investments. With over 25 years of experience, we are dedicated to offering personalized solutions that adapt to each client’s specific needs. Our motto, “Perseverance and Guidance,” reflects our commitment to providing exceptional, efficient, fast, and transparent service. Our goal is to offer you outstanding support that contributes to your financial success.

Vision

To be the leading company in financial and real estate investment advisory, recognized for our integrity, expertise, and commitment to each client’s success. We aspire to transform lives through credit and investment solutions that promote long-term growth and financial security.

Core Values

  • Integrity
    We act with transparency and ethics in every consultation, building relationships based on mutual trust.
  • Commitment
    We deeply involve ourselves in each project, accompanying our clients until they achieve their financial goals.
  • Expertise
    With over 25 years of experience, we offer strategic, effective, and personalized solutions.
  • Responsibility We approach every challenge seriously, prioritizing our clients’ financial well-being.
  • Innovation
    We constantly evolve to provide up-to-date, competitive advice aligned with market trends.
  • Empathy
    We listen to and understand our clients, offering personalized, human, and close attention.
  • Perseverance
    We remain steadfast in the face of challenges, always seeking the best results for our clients.
  • Service
    We distinguish ourselves through exceptional service, based on closeness, respect, and efficiency.

Team

We are dedicated to delivering fast, transparent, and personalized service. Our goal is to provide you with exceptional support that contributes to your financial success.

Wilmar Rivas

Chief Financial Officer and founder of the company

Specialize in commercial real estate, both as an agent and as a developer of construction projects.
With over 20 years of experience in the financial sector, Wilmar has led teams in various institutions, focusing on mortgage and business advisory.

[email protected]

Claudia Cadena

Administrative and commercial management

[email protected]

Jennyfer Amaya

Operational area

[email protected]

Pablo Rivas

Operational area

[email protected]

Contact Us

We’re pleased to assist you

    FAQ

    Requirements vary depending on the loan type. Generally, a minimum credit score of 620 is required, though we offer options for borrowers with no credit history in the U.S. Additionally, some products do not require proof of income or employment.

    Approval can take anywhere from 48 hours to 5 days, depending on the type of loan and the documentation provided. Our team works to expedite the process and keep you informed at every stage.

    Yes, we offer loans specifically designed for foreign investors interested in properties in the U.S. These loans do not require proof of income or employment and can be closed under an LLC or company.

    We finance a wide range of properties, including residential, commercial, land, and rental properties. We also offer financing for ground-up construction projects and renovations.

    Loan amounts vary by type and product. For example, we offer loans for rental properties up to $2.5 million and commercial loans up to $5 million.