About Us

---

As Managing Partner and CEO of MidPoint Capital Partners, LLC, Michael Columbia brings over twelve years of experience in commercial lending and structured finance. He specializes in delivering customized financing solutions designed to meet the complex and evolving needs of businesses and real estate investors.

Having lived and worked in China and Hong Kong for two years, Michael Columbia has developed relationships with some of the world’s largest banking institutions—building a global perspective that strengthens MidPoint’s ability to structure competitive and strategic funding solutions.

Under his leadership, MidPoint Capital Partners provides tailored capital solutions including commercial mortgages, hard money financing, hotel loans, and structured finance. By combining executive management expertise, strategic market insight, and strong institutional partnerships, he ensures each client receives innovative financing aligned with their unique objectives.

His mission is simple: empower businesses and investors to reach their financial goals through thoughtful strategy, creative structuring, and dependable execution.

Lucky is a transformational executive leader serving as Managing Partner and Chief Operating Officer, where strategy meets execution. With a proven track record of scaling operations, driving profitability, and building high-performance cultures, Lucky is known for turning ambitious visions into measurable, sustainable growth.

Blending operational rigor with entrepreneurial instinct, Lucky oversees enterprise strategy, financial performance, organizational development, and cross-functional execution. Under his leadership, organizations have expanded into new markets, streamlined complex infrastructures, improved margins, and strengthened stakeholder confidence.

Prior to this role,Lucky held senior leadership positions in cross boarders international commercial lenders, where he led large-scale initiatives including operational restructures, market expansions, M&A integrations, and digital transformations. his leadership philosophy centers on accountability, clarity, and empowering teams to operate with ownership and precision.

Respected for decisive leadership, disciplined execution, and an unwavering commitment to results.

Maya Hernandez serves as Chief Legal Officer and Corporate Counsel for MidPoint Capital Partners, LLC, where she oversees all legal strategy, transactional structuring, risk management, and regulatory compliance for the company’s national commercial lending platform. With more than 15 years of experience in commercial real estate finance, Maya Hernandez brings deep expertise in structured finance, loan originations, asset-backed lending, CMBS transactions, construction financing, bridge lending, mezzanine financing, and portfolio acquisitions. She plays a pivotal role in ensuring that every transaction is executed with precision, efficiency, and alignment with the company’s long-term investment objectives.

At MidPoint Capital Partners, LLC, Maya Hernandez leads the legal function across: Commercial mortgage loan origination and structuring, Warehouse and credit facility negotiations, Capital markets and securitization transactions, Loan servicing oversight and asset management, Regulatory compliance and investor relations, Risk mitigation strategy and corporate governance

Her pragmatic, solutions-driven approach allows the company to move decisively in competitive markets while maintaining rigorous legal and compliance standards.

She is known for translating complex legal frameworks into clear business decisions, partnering closely with executive leadership, underwriting, capital markets, and servicing teams to ensure smooth closings and scalable growth.

As Vice President of Underwriting, Maggie brings visionary leadership, disciplined strategy, and an unwavering commitment to excellence in risk management. Maggie has built a reputation for blending analytical precision with forward-thinking innovation — elevating underwriting from a function to a strategic growth engine.

Maggie has led high-performing teams across complex markets, consistently driving profitable growth, portfolio resilience, and operational excellence. Known for a sharp eye for risk assessment and an ability to anticipate market shifts, she has successfully transformed underwriting frameworks to balance disciplined risk selection with bold opportunity capture.

Under Maggie’s leadership, underwriting operations have embraced data-driven decision-making, advanced analytics, and modernized processes — improving speed, accuracy, and customer experience while maintaining rigorous standards. 

Beyond business performance, Maggie is deeply guided by integrity, transparency, and long-term value creation. 

Chris Smith serves as Director of Capital Markets at MidPoint Capital Partners, LLC, where he leads the firm’s capital strategy, lender relationships, and execution across structured commercial real estate transactions nationwide.

With deep expertise in commercial mortgage finance, capital structuring, and institutional investor relations, Chris is responsible for sourcing, negotiating, and maintaining the debt and equity relationships that power the company’s lending platform. He  brings a strategic mindset to every transaction—ensuring optimal pricing, liquidity, and execution certainty in dynamic market environments. His  ability to align capital sources with business objectives enables the firm to scale intelligently while maintaining disciplined risk management.

Known for precision and speed, Chris ensures every transaction is structured to maximize return, protect downside, and maintain strong lender confidence. Chris maintains longstanding relationships with national banks, debt funds, insurance companies, credit unions, CMBS conduits, and institutional investors. His market intelligence and ability to navigate shifting interest rate environments allow the company to remain competitive regardless of cycle.

Respected internally as a cross-functional leader, Chris works closely with origination, underwriting, legal, and executive leadership to ensure seamless capital deployment.