Call us: 631-240-4441


Lumica Capital is a boutique, full spectrum commercial real estate and business finance firm.   Lumica Capital provides all aspects of conventional and alternative commercial real estate financing, inclusive of traditional, investment, bridge, and private money transactions.  We are a direct private lender, and also a primary provider of SBA loans, where we perform preliminary underwriting and expediently issue Letters of Intent on behalf of the SBA loan programs, but also to create a smooth, streamlined loan process.  To complement, we provide secured and unsecured business loans to qualifying businesses seeking working capital, and equipment, contract, AR and PO financing.  Lumica Capital has an immense ability to meet various loan requests in accordance with each unique circumstance of the client.  We are community and relationship driven, taking pride in our personable, white-glove concierge services with all of our clientele and industry professionals.  Lumica Capital is a trusted resource in commercial and alternative lending.  We take pride in the standards and integrity we maintain in the industry,  with a steadfast commitment to helping its clients with their capital needs.

Carl Giuffrida

Managing Director


Lumica Capital holds strong bank, institutional, family office, and private lending relationships, which gives us the ability to offer an array of loan products that will best serve our clients’ needs and their unique situation.