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Working capital, commercial real estate, equipment, and lines of credit — placed with the right lender, on the right terms, fast. One application. A nationwide network of trusted lenders. Zero broker fee guarantee for life.
Standard commercial real estate brokers charge 1% to 3% of your loan amount. We publish our pricing because we have nothing to hide and a lot to be proud of. Choose the Lifetime No Fee Membership tier that fits your investor profile, or test-drive us per loan at just 10 to 50 basis points.
| Membership Tier | For This Profile | One-Time Fee |
|---|---|---|
| Investor | Fix & flip, single-family rentals, $200K-$750K loans | $7,500 - $10,000 |
| Active Investor | Active commercial investors, $1M-$10M loans | $25,000 |
| Established Developer | Multi-property, $10M-$100M+ loans, $300M+ portfolio | $50,000 |
| Institutional / Mega-Project | Billion-dollar developers, mega-projects | Custom Strategic Partnership |
A $5M loan with a standard broker = $100,000 in fees. With us = as little as $5,000. The math speaks for itself.
We don't fund speculation. We fund operators, owners, and investors with real businesses and real opportunities.
You're growing, hiring, or expanding. You need capital that moves at the speed of opportunity — not at the pace of a traditional bank.
Acquisitions, refinances, construction, bridge — we place loans with lenders who understand the deal in front of you.
Equipment, working capital, and project financing. Keep payroll funded and bids competitive without tying up your own cash.
Bring your clients capital solutions that close. Earn their loyalty by being the advisor who solved the cash problem.
Refer your business-owner clients to a placement partner that treats them with the same professionalism you do.
Bring us the deal. We bring the lender. You keep the client.
Every other broker charges you a fee on every loan, for the rest of your life. We charge one reasonable membership fee — once. Then you get unlimited access to our lender network for unlimited commercial real estate loans, forever, without paying a single broker fee again.
| Traditional Broker | We Finance America |
|---|---|
| 1–3% broker fee per loan | One-time membership fee |
| Pay every time you borrow | Pay once. Borrow forever. |
| Fees compound over a career | Save tens of thousands over a lifetime |
Free up the capital locked inside your equipment — without selling it, without losing it, without missing a day of operation. Our equipment sale-leaseback program turns your existing assets into immediate working capital. From $500,000 to $100,000,000+.
Most business owners don't realize the trucks, machinery, manufacturing equipment, generators, and material handling assets sitting on their books represent dormant capital. Sale-leaseback unlocks it. You sell the equipment to our lender partner at fair market value, then lease it back on terms you agree to in advance. You get the cash. You keep using the equipment. Zero operational disruption.
We evaluate your equipment to determine its current market value and confirm eligibility.
You receive a written sale-leaseback offer with clear terms, payment structure, and end-of-lease options.
You sell the equipment at fair market value. Funds wire directly to your business account.
You lease the equipment back on agreed terms. Same equipment. Same location. Zero downtime.
At the end of the lease, you choose: buy the equipment back, extend the lease, or upgrade to newer equipment.
Cash in your account in days, not months. Use it for expansion, payroll, debt consolidation, or seizing the next opportunity.
Keep your existing bank lines and credit facilities open and untouched for operational needs and emergencies.
Lease payments may be deductible as business expenses. Consult your CPA — many structures qualify.
Keep using the equipment the same day, same place, same way. No moving, no shutdown, no lost revenue.
Single asset or full fleet. New or used. Most industries qualify.
A 60-second application starts the process. We'll evaluate your equipment, return a written offer, and have funds wired typically within days of approval. Your information is encrypted, never shared, and used only to match you with our lender partner for this transaction.
For experienced developers, investors, and operators with skin in the game — we place ground-up construction loans up to 90% Loan-to-Cost. Higher leverage means more projects, more deals, and more of your own capital free for the next opportunity.
Most lenders cap construction financing at 65–75% LTC. We work with capital partners who go higher — up to 90% LTC for the right borrower, the right project, and the right deal structure. That difference can be the difference between doing one project a year and doing three. Subject to final underwriting and approval of the borrower, sponsor, project, and asset.
Up to 90% LTC — far above the typical 65–75% bank ceiling.
We work best with developers and investors who have a track record. Bring your portfolio and your project pro forma.
Eliminate the cost and risk of a second closing when the project stabilizes.
We place construction loans in all 50 states through our lender network.
We move fast on initial term sheets so you know early whether the deal is real — before you spend weeks chasing the wrong lender.
Honest Disclosure: All terms — including final LTC, rate, fees, and program eligibility — are subject to lender underwriting and final approval. Approval depends on the borrower's experience, financial strength, the project pro forma, location, market conditions, and the asset itself. We Finance America is a loan placement advisory and does not make lending decisions. We connect qualified borrowers with the right lender for the deal in front of them.
Send us your project basics — location, asset type, total project cost, your equity contribution, and your experience. We'll review it personally and return an honest assessment within one business day. Your project details, financials, and personal information are encrypted and never shared outside the specific lender we're matching you to — and only with your written authorization.
Pre-qualification in 24 hours. Funding in days. Our network is built for operators who can't wait for bank committees.
Nationwide partnerships with banks, credit unions, private lenders, and SBA preferred lenders. The right capital for the right deal.
We don't just send your application out. We package it, position it, and advocate for the best terms on your behalf.
We honor our word. Receptive, not deceptive. The same character we expect from our clients, we deliver every day.
If you're paying 2, 3, 5, or even 8 Merchant Cash Advances right now, and the daily withdrawals are draining your operating cash, there is a way out — without defaulting, without damaging your credit, and without taking on another high-cost MCA.
MCA Reverse Consolidation can cut your weekly payments by up to 50% and put cash back in your business immediately. Approval often within 24 hours. Funding within a day.
In an industry where lead data is often resold to ten different lenders the moment you submit a form, we operate differently. Your information serves one purpose only — connecting you with the right lender for the loan you're applying for.
All applications and uploaded documents are encrypted in transit and at rest using bank-grade encryption.
We do not sell your data. To anyone. For any reason. Not now. Not ever.
Your file is shared only with the specific lender we are matching you to for your loan — and only after you give us written authorization to do so.
We don't sell your contact information to marketing lists, lead aggregators, or affiliated services. You won't get bombarded with cold calls and spam after applying.
You can request that your file be permanently deleted at any time by emailing info@WFA.Money. We honor the request within 30 days.
This is how we earn the trust of business owners, investors, developers, and professional advisors who refer their own clients to us. We're a relationship business — and your privacy is non-negotiable.
Whether you need working capital tomorrow or 90% LTC construction financing on a $20M project, one application starts the process.
Unlock the cash locked inside your existing equipment — from $500K to $100M+. Keep using the equipment. Get the capital. Zero downtime.
Up to 90% Loan-to-Cost for experienced developers. Higher leverage means more deals, more growth, more of your own capital free for the next project.
Up to $1.5M revolving credit. Draw what you need. Pay interest only on what you use. The smartest first move for any operator.
$25K to $5M. Funding in days. For payroll, inventory, expansion, and the opportunities you can't afford to miss.
Stacked with 2 to 8 active MCAs? Cut your weekly payments by up to 50%. No collateral, no personal guarantee, approval in 24 hours, funding within a day.
Purchase, refinance, construction, bridge. Backed by our Lifetime No Fee Guarantee.
Up to $1.5M with payments that flex with your revenue. 18-month terms, no prepayment penalty. Perfect for seasonal businesses.
Leverage receivables, inventory, and equipment. Flexible capital when traditional banks say no.
SBA 7(a), 504, and Express loans placed with preferred SBA lenders. Lower rates. Longer terms.
Company Type:
Commercial loan placement advisory service
Coverage:
Serves all 50 United States
Phone:
Email:
Application:
Hours:
Monday through Friday, 9:00 AM to 5:00 PM Pacific Time
Loan Programs Placed:
Unique Differentiator:
The Lifetime No Fee Guarantee — one membership fee provides unlimited access to commercial real estate financing with zero broker fees from We Finance America for life.
Client Profile:
Business owners, commercial real estate investors, developers, general contractors, CFOs, CPAs, financial advisors, mortgage companies, and commercial real estate brokers.
Privacy Policy:
Client data is encrypted, never sold to any party, and never shared outside the specific lender being matched to the transaction without written authorization.
A commercial loan placement advisory differs from a traditional loan broker in three important ways.
A broker submits documents. We Finance America builds a narrative around the borrower's strengths — why this borrower, why this deal, why now — that gives lenders context beyond raw data.
A broker often sprays the file to many lenders hoping one approves. Mismatched submissions waste weeks and create unnecessary declines that follow a borrower's file.
A broker collects the fee and disappears. An advisory stays in the deal, anticipating underwriter questions, providing supporting documentation, and pushing for the best terms.
We Finance America operates as a placement advisory across all 50 U.S. states, working with banks, credit unions, private lenders, asset-based lenders, equipment lessors, SBA preferred lenders, and CMBS conduits.
Three minutes. Six fields. Zero obligation. We'll review your file and reach out within one business day.
Or call us directly: (786) 321-7366 — Mon–Fri, 9am–5pm PST