OUR MISSION Is to accelerate and
preserve wealth for real estate investors.

We are multifamily lending specialists using technology to deliver you a better, faster and more transparent loan process. We understand that you can't wait 24-48 hours to receive a quote and that standing by our quote is paramount. Our goal is to deliver certainty and accuracy so you can move fast and win deals. We truly believe that real estate and wealth accumulation go hand in hand. We're passionate about helping others grow their wealth through real estate with smart amounts of leverage to accelerate returns on investment while still protecting your downside through non-recourse debt. Large institutions and generational investors have been doing this for decades, and we want to pass this on to all investors, whether they're investing $500,000 or $10,000,000.

MEET THE LEADERSHIP

Meet

Maxwell
Wu

Co-Founder
CEO

LINKEDIN
With a decade of experience in multifamily lending, investment and company building, Maxwell leads Fulcrum in providing lending solutions to borrowers of all sizes and strategies.

He is obsessed with delivering a premier borrower experience having been in the borrower’s shoes and understood the pains and pitfalls of sourcing, structuring and obtaining real estate loans. His goal is to provide the highest level of service, transparency and expertise which seemed perennially lacking when he was on the other side.

Formerly, Maxwell led the spinout of a technology group from a $10B+ lender in New York City as the Chief Underwriter leading all credit analysis, structuring, underwriting and business development.

The resulting company was TapCap, a mortgage technology platform where he solely focused on originating Freddie Mac, Fannie Mae, FHA, bridge and CMBS loans throughout the United States.

In addition, Maxwell has held positions as a fund manager, investment banker and principal investor at several real estate firms in New York City managing institutional private equity funds of over $1.4B in equity, underwriting single asset and portfolio acquisitions of over $10B, and structuring complex joint ventures and limited partnerships. He began his career at C-III Capital Partners based in New York City.

Maxwell graduated from the University of California, Santa Barbara and received a Masters in Real Estate from Columbia University.
Meet

Kenneth
Mendonça

Co-Founder
CTO

LINKEDIN
Kenneth's experience spans over a decade of PropTech, FinTech and InsurTech industries. As CTO, he architects as well as engineers our entire stack; integrating complex financials models, turning designs into user-friendly interfaces and ensuring Fulcrum products are operating seamlessly.

His keen attention to detail allows him to build robust, precise and sophisticated digital lending products with the user always top of mind. He understands that technology is fundamental to creating a more equitable digital experience and that user experience is key to successful web application.

Formerly, Kenneth worked for a growing InsurTech start-up where he helped scale their APIs nationwide, established new insurance verticals for global brands and built underwriting engines for the world's largest insurance providers.

Prior to that, Kenneth was the technical lead at TapCap (acquired by Walker & Dunlop; NYSE: WD) where he built an array of cloud based tools used to originate, underwrite and process multifamily loans at scale.

Kenneth graduated from the University of California, Santa Cruz with a bachelor's in Neuroscience & Behavior.

OUR VALUES

Resilience

While acknowledging that real estate can be resistant to change, we’re firm believers that persistence and consistency are key to shifting the paradigm. We want to show, not tell, how things can be better.

Pragmatism

We’re motivated by outcomes, not just objectives. Fulcrum uses data to make informed decisions, leveraging technology to optimize processes and deliver personalized, streamlined services that meet your needs without creating new ones.

Empathy

Fulcrum was built by investors and underwriters that saw an opportunity to improve the system. We know where the pain points are, and we’re working on them, not around them, to create better experiences for our clients.

Innovation

Innovation is at the heart of everything we do. We’re using technology as a scaffold to repair and refresh real estate investing, and we won’t stop until the job is done. New and experienced investors alike deserve a modern investing experience.

Transparency

We don’t believe in hiding our business model. We’re proud to create value for our customers, and we want you to know how and why we do it. You’ll always know where we’re headed, even when we have to change course to get there.

Our Mission

Is to accelerate and preserve wealth for real estate investors.
We are multifamily lending specialists using technology to deliver you a better, faster and more transparent loan process. We understand that you can't wait 24-48 hours to receive a quote and that standing by our quote is paramount. Our goal is to deliver certainty and accuracy so you can move fast and win deals.

We are true believers that real estate and wealth accumulation go hand in hand. We're passionate about helping others grow their wealth through real estate with smart amounts of leverage to accelerate returns on investment while still protecting your downside through non-recourse debt. Large institutions and generational investors have been doing this for decades, and we want to pass this on to all investors, whether they're investing $500,000 or $10,000,000.

Leadership

Maxwell Wu

Co-Founder | CEO

With a decade of experience in multifamily lending, investment and company building, Maxwell leads Fulcrum in providing lending solutions to borrowers of all sizes and strategies.

He is obsessed with delivering a premier borrower experience having been in the borrower’s shoes and understood the pains and pitfalls of sourcing, structuring and obtaining real estate loans. His goal is to provide the highest level of service, transparency and expertise which seemed perennially lacking when he was on the other side.  

Formerly, Maxwell led the spinout of a technology group from a $10B+ lender in New York City as the Chief Underwriter leading all credit analysis, structuring, underwriting and business development. The resulting company was TapCap, a mortgage technology platform where he solely focused on originating Freddie Mac, Fannie Mae, FHA, bridge and CMBS loans throughout the United States.

In addition, Maxwell has held positions as a fund manager, investment banker and principal investor at several real estate firms in New York City managing institutional private equity funds of over $1.4B in equity, underwriting single asset and portfolio acquisitions of over $10B, and structuring complex joint ventures and limited partnerships. He began his career at C-III Capital Partners based in New York City.

Maxwell graduated from the University of California, Santa Barbara and received a Masters in Real Estate from Columbia University.

Kenneth Mendonça

Co-Founder | CTO

Kenneth's experience spans over a decade of PropTech, FinTech and InsurTech industries. As CTO, he architects as well as engineers our entire stack; integrating complex financials models, turning designs into user-friendly interfaces and ensuring Fulcrum products are operating seamlessly.

His keen attention to detail allows him to build robust, precise and sophisticated digital lending products with the user always top of mind. He understands that technology is fundamental to creating a more equitable digital experience and that user experience is key to successful web application.

Formerly, Kenneth worked for a growing InsurTech start-up where he helped scale their APIs nationwide, established new insurance verticals for global brands and built underwriting engines for the world's largest insurance providers.

Prior to that, Kenneth was the technical lead at TapCap (acquired by Walker & Dunlop; NYSE: WD) where he built an array of cloud based tools used to originate, underwrite and process multifamily loans at scale.

Kenneth graduated from the University of California, Santa Cruz with a bachelor's in Neuroscience & Behavior.

Associates

Zach Frizzera

Associate Originator

Zach brings his passion in real estate development, multifamily real estate and investment. He has experience in real estate acquisition and land development, which allowed him to garner both skills in underwriting and valuation, as well as cultivate an understanding of the borrower’s needs. By structuring multifamily loans and navigating clients through commitment to closing, Zach is an integral part of the growth and development of Fulcrum’s multifamily mortgage loan business.

Zach graduated from Kenyon College where he received a Bachelor of Arts in Political Science.