About Fintek Capital
Fintek Capital LLC is a nationwide commercial lending and advisory firm founded in 2020. We combine institutional-quality expertise with the decisiveness of a direct lender — closing deals that banks and brokers can't.
Leadership
Managing Director & Founder
Edwin Masango is the CEO and Founder of Fintek Capital LLC, a multifaceted advisory and investment company. With over 18 years in commercial real estate finance, Edwin has built a reputation as one of the most effective bridge lending specialists in the country — particularly in the areas of hospitality bridge loans, CMBS maturity defaults, construction financing, and distressed CRE recapitalizations.
Edwin has personally overseen more than $1.2 billion in closed CRE transactions across all major asset classes. His deep knowledge of the special servicing process, combined with his network of capital sources, allows Fintek Capital to execute on deals that conventional lenders decline.
He is also the driving force behind Fintek Capital's advisory practice in cybersecurity, blockchain, financial analytics, and generative AI — bringing technology solutions to financial institutions navigating digital transformation.
"Bridge loans are essential for repositioning distressed properties, but loan-to-own is a bridge too far. Fintek Capital ensures bridge borrowers stay aligned with their ownership goals while maintaining realistic exit strategies."
— Edwin Masango
Areas of Expertise:
Senior CRE Underwriter
Sarah Collins is a Senior Commercial Real Estate Underwriter with 12+ years of hands-on underwriting experience. She has underwritten over 450 transactions across bridge loans, DSCR portfolios, hospitality financing, and land loans throughout the Southeast and Sunbelt markets.
Sarah's expertise in construction loan analysis and interest reserve structuring is a key differentiator for Fintek Capital's construction lending practice. She has developed proprietary underwriting models that stress-test construction timelines and cost overrun scenarios, protecting both borrowers and capital.
"Interest reserves protect developers when construction delays push project timelines beyond the initial forecast. Fintek Capital structures 12–18 month reserves to cover realistic overrun scenarios, not just best-case projections."
— Sarah Collins
Areas of Expertise:
Chief Investment Strategist
Daniel Mercer serves as Chief Investment Strategist at Fintek Capital LLC. With 15+ years in CRE distress analysis, capital markets strategy, and market commentary, Daniel provides the analytical backbone for Fintek Capital's lending decisions and market positioning.
Daniel's expertise in portfolio optimization and risk management through market cycles has been instrumental in guiding Fintek Capital's borrowers through periods of market stress — including the 2023 banking crisis and the ongoing CMBS maturity wave of 2025–2026.
"The 2026 pipeline of maturing CMBS debt will create selective acquisition opportunities. Properties with stabilized cash flow, disciplined leverage, and strong sponsorship will outperform through the cycle."
— Daniel Mercer
Areas of Expertise:
Director of Hospitality Finance
Jennifer Holloway is Fintek Capital's Director of Hospitality Finance with 15 years in hotel bridge lending, PIP financing, and distressed hospitality asset workouts. She has overseen more than $850 million in hospitality financing transactions across Florida and Texas.
Jennifer's specialized knowledge of hotel franchise requirements, RevPAR optimization, and PIP financing structures makes her an invaluable resource for hotel owners facing mandatory brand renovations or distressed situations. Her track record includes structured bridge loans that have successfully preserved franchise flags and improved property performance metrics across a wide range of hotel categories.
"The critical factor for PIP financing is ensuring the renovation budget aligns with the property's RevPAR trajectory. Fintek Capital structures PIP bridge loans with renovation holdbacks that protect both borrower and lender throughout the improvement process."
— Jennifer Holloway
Areas of Expertise:
Closed Transactions
Orlando Hospitality Refinance
Midscale hotel facing mandatory $4.2M PIP with maturing CMBS loan. 80% LTC bridge with renovation holdback. Post-renovation RevPAR increased from $54 to $78.
Miami Multifamily — Ground-Up
312-unit Class A garden-style development in Miami-Dade. Phased draws with 18-month interest reserve covering projected delays. 69% LTC.
Phoenix Office — CMBS Maturity
Class B office facing CMBS maturity default at 71% occupancy. Bridge capital sourced in 18 days to avoid special servicing. Borrower subsequently stabilized and refinanced.
Locations
Wyoming Headquarters
HQMon–Fri 8:00am–5:00pm MT
Alabama Regional Office
SoutheastMon–Fri 8:00am–5:00pm CT