Who We Are and What We Do

All lenders focus on five major areas with respect to a commercial real estate loan. These are cash flow, collateral, creditworthiness, covenants, and management’s experience. Also important are liquidity and secondary sources of repayment. However, that is where the similarities end. Some banks only cater to the ultra-wealthy. Some like commercial real estate while others don’t. Some banks and lenders focus on SBA loans. Others simply focus on residential loans and avoid commercial transactions altogether. What some perceive as risk others see as opportunity. Rates and terms often vary widely amongst these institutions. So how does one know if he or she is in the right place and talking to the right people?

Enterprise Capital Innovations, Inc. (ECI) was founded in 2003 for the purpose of providing commercial real estate loan brokerage and real estate advisory services to individuals and institutions. This remains the company’s primary focus. We will take the time to understand exactly what you are looking for and what is most realistic given your current situation.

Management’s Background

Kenneth W. Hamby, Jr., CFA
President

Ken Hamby is the president and founder of Enterprise Capital Innovations, Inc. He was born in Baltimore, Maryland, and relocated to the Phoenix area in 2001 serving at the time as a commercial real estate loan underwriter for a small business lending corporation (SBLC) out of New York. He possesses over 6 years of experience as a commercial loan underwriter and credit analyst. In this capacity, he has worked with both large commercial banks and private lending organizations evaluating loan requests ranging from $250,000 up to $50 million. These credit facilities have included small business loans, complex syndicated credits, as well as private banking transactions.

Mr. Hamby has also realized remarkable success as a real estate investor. He achieved a holding period return on equity of approximately 889% on residential real estate investments made in January of 2004.

Ken holds a Bachelor’s degree in Finance from George Mason University in Fairfax, Virginia, and also holds the Chartered Financial Analyst (CFA®) designation. He is a member of both the Phoenix CFA Society and the Beta Gamma Sigma Honor Society for Collegiate Schools of Business.