About US Capital Advisors

South Carolina's Premier
CRE Finance Partner

For nearly three decades, US Capital Advisors has been a trusted commercial real estate mortgage banking firm based in Blythewood, South Carolina — building lasting relationships and closing complex deals across the Carolinas and Southeast.

$2.4B+ Capital Deployed
500+ Loans Closed
28 Years of Experience
100+ Capital Source Partners
Our Story

Founded in Charlotte. Built on Trust.

US Capital Advisors LLC was established in Blythewood, South Carolina in 1996 with a singular mission: to provide commercial real estate developers and investors across the Carolinas with institutional-grade capital market access paired with the responsiveness of a boutique advisory firm.

What began as a regional mortgage banking practice focused on multifamily and office assets has grown into a full-service commercial real estate finance platform — structuring bridge loans, construction financing, permanent debt, mezzanine capital, and joint venture equity across every major asset class and geography throughout South Carolina and the Southeast.

Our seasoned team brings a combined 75+ years of hands-on industry experience. We have worked alongside hundreds of developers, operators, and investors — helping them structure projects, reposition assets, negotiate capital solutions, and ultimately close deals that fuel economic growth across our region.

Through every market cycle, our reputation has been built not on volume alone, but on the relationships we've forged and the results we've delivered. When complexity arises, clients know they can count on US Capital Advisors to find a path forward.

Est. 1996 · Charlotte, NC

"Where Regional Expertise Meets Capital Markets Access"

We are a fully integrated commercial real estate finance and advisory firm — providing debt placement, equity arrangement, and structured capital solutions for investors and developers across the Carolinas and Southeast.

SC #1 CRE Finance Firm
Our Core Values

The Principles That Drive Every Deal

These aren't slogans — they're the standards our clients hold us to and that we hold ourselves to on every transaction, every day.

🤝

Relationships First

We invest in long-term partnerships with borrowers, lenders, and equity partners. Our network is our most valuable asset, and we protect it by delivering on every commitment.

🎯

Execution Excellence

A term sheet is only the beginning. We manage the full process — due diligence, lender coordination, and closing — ensuring your deal closes on time and at the terms quoted.

💡

Creative Structuring

Complex deals require creative solutions. We bring innovative thinking to every transaction, structuring capital solutions that others often cannot see.

🏛️

Regional Expertise

Deep knowledge of North Carolina's submarkets — from Uptown Charlotte to the Research Triangle, Triad, Asheville, and coastal communities — gives our clients a decisive edge.

🔍

Transparency

Our clients deserve complete clarity at every stage. We present all options honestly, communicate proactively, and never put our fees ahead of your outcome.

⚡

Speed & Certainty

Time is capital. Our efficient process and pre-established lender relationships allow us to generate term sheets in 3–5 business days and close deals with confidence.

Leadership Team

Seasoned Advisors. Proven Results.

Our team combines decades of commercial real estate finance expertise with deep regional relationships across the Carolinas.

JW

James Whitfield

Founder & Managing Principal

30+ years in CRE finance. Former senior banker at two regional institutions. Has personally closed over $900M in commercial real estate transactions across the Southeast.

SR

Sarah Reynolds

Head of Debt Capital Markets

Specializes in CMBS, agency, and life company executions. 18 years of experience sourcing permanent debt and construction financing across multifamily and office asset classes.

DM

David Morales

Director of Equity Placement

Manages JV equity, preferred equity, and mezzanine relationships with family offices, pension funds, and private equity platforms for NC-based developers and operators.

LK

Lauren Kim

Senior Vice President, Originations

Charlotte native with an extensive network across the Research Triangle and Triad markets. Specializes in bridge and value-add financing for multifamily and mixed-use assets.

TP

Thomas Park

Vice President, Underwriting

Leads loan underwriting and due diligence management. Ensures every transaction is positioned to succeed with lenders by anticipating and resolving issues before they arise.

AC

Amanda Chen

Director of Client Relations

The client's advocate throughout every transaction. Manages the borrower experience from submission through closing, maintaining clear and proactive communication at every step.

Why US Capital

What Sets Us Apart

01

100+ Active Capital Relationships

Preferred access to regional banks, credit unions, national CMBS lenders, life insurance companies, private debt funds, and equity platforms — giving your deal maximum optionality from day one.

02

Full Capital Stack Expertise

From senior debt to mezzanine, preferred equity, and JV equity — we structure the entire capital stack and can layer multiple components to optimize terms for your specific business plan.

03

Deep Carolinas Market Knowledge

We understand Charlotte, Raleigh, Durham, Greensboro, Asheville, and Wilmington — their submarkets, their lenders, and their unique deal dynamics — better than any national platform can.

04

Boutique Attention, Institutional Reach

You work directly with senior advisors — not analysts — throughout every transaction. Our principals are involved from initial consultation through closing, every single time.

05

All Asset Classes, All Structures

Multifamily, office, retail, industrial, hospitality, mixed-use, healthcare — we have closed transactions across every commercial real estate asset type at every stage of the project lifecycle.

06

Proven Track Record of Execution

With 500+ closed loans and over $2.4 billion in deployed capital, our history speaks for itself. When we issue a term sheet, clients know it will close — on time and as promised.

Capital Sources

Our Lending Network

Access to 100+ pre-established capital relationships across every major lending category — giving your deal the broadest possible range of competitive options.

Regional Banks National CMBS Lenders Life Insurance Companies Fannie Mae / Freddie Mac HUD / FHA Programs Private Debt Funds Credit Unions Family Offices Pension Fund Equity Private Equity Platforms SBA 504 / 7(a) Lenders Bridge Lenders Mezzanine Funds Co-GP Equity Partners CDFI Lenders Construction Banks
Our History

Nearly Three Decades of Growth & Milestones

1996

Founded in Blythewood, South Carolina

US Capital Advisors LLC is established in Blythewood by John Engel with a focus on commercial real estate debt placement for multifamily and office developers across South Carolina.

2002

Expansion Across the Carolinas

Growing demand from Charlotte, Raleigh, and Durham developers leads to expanded originations coverage across the Carolinas, strengthening US Capital’s regional presence.

2008–2010

Navigating the Financial Crisis

Through disciplined underwriting and trusted lender relationships, US Capital successfully closes transactions for clients during one of the most challenging credit environments in modern history.

2014

Launch of Equity Arrangement Practice

US Capital launches a dedicated equity placement division, connecting South Carolina-based developers and operators with JV equity, preferred equity, and mezzanine capital from institutional sources.

2019

$1 Billion in Capital Deployed

US Capital crosses the milestone of $1 billion in total capital deployed across the Carolinas — a testament to the firm’s growing relationships, reputation, and execution track record.

2024–Present

$2.4 Billion Deployed & Expanding

With 500+ closed loans and a team of seasoned advisors, US Capital continues to lead as North Carolina's premier CRE finance firm — expanding into coastal and mountain markets across the Southeast.

Ready to Work With
South Carolina’s Leading CRE Finance Team?

Submit your deal today and receive competitive term sheets from our network of 100+ capital sources within 3–5 business days — with no obligation.

Submit a Loan Request Call (276) 618-1541