About the Group
One team. Two platforms.
A track record built on execution.
iCross Capital and ARCFE share one founder, one office, and one underwriting discipline — institutional private lending and EB-5 immigrant investment, vertically integrated over New York City real estate.
iCross Capital · Private Lender
Disciplined credit since 2013
iCross Capital is a leading private lender serving the New York City commercial real estate market, specializing in construction and development financing. As of today, the firm has originated over $700 million in commercial real estate loans and completed 6 development projects in NYC — managing the full development process from acquisition through completion.
The iCross Capital Credit Committee establishes and upholds the firm’s credit philosophy, underwriting standards, and risk-management framework across all loan products, evaluating every transaction across capital markets, underwriting, construction, and portfolio management.
ARCFE · EB-5 Regional Center
An award-winning regional center
ARCFE (American Regional Center for Entrepreneurs) is an award-winning EB-5 Regional Center with more than a decade of experience in real estate financing and immigration investment management. Originally designated by USCIS in 2013 and redesignated under the EB-5 Reform and Integrity Act (RIA) in 2022, ARCFE has raised and managed EB-5 capital for 20 projects with a 100% project approval rate.
Under the pre-RIA era, all ARCFE-sponsored projects successfully repaid their EB-5 loans, totaling more than $271M* in repayments — and ARCFE has returned 100% of EB-5 capital to all eligible investors.
*EB-5 capital repaid to the NCE.
Credentials
Designated. Redesignated. Proven.
I-924 Approval · 2013
Original USCIS regional-center designation, prior to the EB-5 Reform & Integrity Act of 2022.
I-956 Approval · 2022
Redesignated under the EB-5 Reform & Integrity Act of 2022 — Regional Center ID RC2200000292.
Vision
Become investors’ first-choice partner on the EB-5 journey.
Mission
Help investors and their families achieve their American Dream — through green cards, and the opportunity for their children to grow up and be educated in a prosperous environment where they can thrive.
Core Values
Dependable. Competency. Integrity. Dedication.
Our Team
The team behind your success.
Professionals from the immigration, real estate, and financial industries — including CFA and CPA credentials — serving both platforms from New York, Shanghai, and Vietnam.
Lily Guo, MBA
Founder & Chief Executive Officer
iCross Capital · ARCFE
Active in metropolitan New York real estate since 2010, Ms. Guo has raised over $400 million in private capital since 2013 and leads credit philosophy and strategy across both platforms.
Theodor (Ted) Nikolov
Head of Construction
iCross Capital · ARCFE
Leads construction oversight across the portfolio, bringing builder-level diligence to every loan through the group’s licensed general-contracting affiliate.
John McInerney, MBA
Investment & Acquisition · Vice President
iCross Capital · ARCFE
Directs investment and acquisition activity across New York commercial real estate.
May Zhang, CFA, MBA
Chief Operating Officer
ARCFE
Oversees regional-center operations, bringing chartered financial analysis rigor to EB-5 investment management.
Judy Xie
Lead Underwriter & Portfolio Manager
iCross Capital
Responsible for underwriting standards and active portfolio management across all loan products.
Han Jun Li, Esq.
Compliance Officer
ARCFE
Oversees securities and EB-5 program compliance under the Reform and Integrity Act framework.
Emma Zhao
Controller
iCross Capital
Manages financial reporting and controls across the lending platform.
Kevin Pu
Director of Finance
iCross Capital
Directs corporate finance and capital-markets activity for the group.
Serena An, MBA
Investor Relations Director
ARCFE
Leads investor communications and services throughout the EB-5 journey.
Kevin Nguyen
Head of Representative Office (Vietnam)
ARCFE
Manages ARCFE’s Vietnam representative office, advising Vietnamese investors and partners on EB-5 participation.
Fred Hung
Special Advisor
iCross Capital
Advises the group on strategy, drawing on decades of commercial real estate experience.
Investor Voices
Trusted through the whole journey.
“The professionalism of ARCFE Team made a very smooth EB-5 journey beyond my expectation.”
Group 1 Investor
I-829 Approved & EB-5 Fund Fully Repaid
“I am very satisfied with ARCFE service during my whole EB-5 journey. They provide timely feedback and excellent additional services to help my family to have a smooth transition. ARCFE is very reliable.”
Group 2 Investor
I-829 Approved & EB-5 Fund Fully Repaid
“If I was to describe ARCFE Team, they are my trusted partner. Excellent teamwork!”
Group 2 Investor
I-829 Approved & EB-5 Fund Fully Repaid