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Ready to move forward? A We Lend specialist confirms your exact terms — usually within the hour.
Fast and creative execution for every need
No matter where you are in your borrowing journey, we’re here to help.
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First-time borrowers
First-time borrowers
By Your Side From Day One
Find best-fit solutionsWhen you're getting started in real estate, one of the first steps you should take is reaching out to a reputable lender — like We Lend. Who better to speak with than people who see hundreds of transactions, every single day?
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Experienced borrowers
Experienced borrowers
experienced borrowers
Find best-fit solutionsAt We Lend, experienced borrowers have access to exclusive loan options and benefits. Get your loan and get it fast with white-glove customer service at every step.
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Real estate brokers
Real estate brokers
Empower your deals
Find best-fit solutionsGain confidence in execution, customer satisfaction, and the speed of loan approvals as a real estate broker. We Lend's expansive network ensures you get what you need when you need it.
First-time borrowers
By Your Side From Day One
When you're getting started in real estate, one of the first steps you should take is reaching out to a reputable lender — like We Lend. Who better to speak with than people who see hundreds of transactions, every single day?
Experienced borrowers
experienced borrowers
At We Lend, experienced borrowers have access to exclusive loan options and benefits. Get your loan and get it fast with white-glove customer service at every step.
Real estate brokers
Empower your deals
Gain confidence in execution, customer satisfaction, and the speed of loan approvals as a real estate broker. We Lend's expansive network ensures you get what you need when you need it.
Why Choose Us
Your New Favorite
Private Lender
01
01
Nationwide Lending
Capital deployed coast to coast across 46 states. Wherever the deal is, we can move on it.
02
02
Quick Closings
Term sheets in 1 hour. Closings in 1–3 business days. No committee. No delays.
03
03
Broker-Friendly
We protect your fees, communicate clearly, and make you look good in front of your clients.
04
04
Low Starting Rates
Competitive pricing from family-backed capital — not institutional rates padded with overhead.
05
05
Flexible Acceptance
Complex deals, non-traditional structures, exceptions — we underwrite the asset, not the box.
06
06
First-Hand Experience
Our team are former industry professionals. We've sat where you sit — we get the deal.
1hr
Term Sheet
46+
States
1–3d
To Close
4.7★
Google Rating
Our Capital Structure
Family-Backed,
Flexible Capital
We Lend is backed by family and friends capital — not institutional funds. That distinction changes everything about how decisions get made.
Because our capital is controlled internally, every decision is in-house. No committee. No approval layers. We move quickly, structure creatively, and execute with certainty.
This gives borrowers and brokers the flexibility needed to close real
deals in real time, not after three rounds of internal review.
Key Advantages
01
Family-Backed, Zero Institutional Overhead
Capital with no approval layer above us. We decide, we move.
02
Direct, In-House Underwriting
The person reviewing your deal has the authority to fund it.
No hand-offs.
03
Flexible for Complex Structures
Exceptions, unique properties, creative deal structures — we've seen
it all and funded it.
04
Faster Execution, Start to Close
Term sheet to funding in days — not weeks. Timing certainty you can
build your deal around.
"When others can't move, we deliver."
In-house capital · In-house decisions · In-house execution
Our Process
Speed & Execution
We Lend delivers speed without compromise — by handling underwriting, funding, and execution entirely in-house. Clarity early. Certainty through closing.
1hr
Term Sheet Issued
Submit your deal. Get a real term sheet within 60 minutes.
1–3d
Closing Completed
Full process from submission to funded in business days.
0
Institutional Delays
No committees, no approval layers, no waiting rooms.
Day1
Clear Terms, Upfront
All terms communicated from the start. No surprises at the table.
100%
Consistent Execution
Same team, same process, same certainty — every single deal.
The 24-Hour Term Sheet Isn't Marketing
It's a structural fact. Because we control the capital, we control the timeline — and we protect yours.
Ready to test our speed?
Submit Your DealOur Positioning
Bank Alternative
Positioning
We Step In When Banks Step Out
Traditional banks are slow, rigid, and constrained by internal processes. We Lend operates as a true bank alternative for commercial and complex real estate transactions.
Traditional Bank
Slow
Weeks to months for a decision
Multiple approval committees required
Rigid box-driven underwriting
No exceptions for complex properties
Inconsistent communication & timelines
VS
We Lend
Fast & Flexible
Term sheet in 1 hour, closed in 1–3 days
In-house decision-making, zero layers
Asset-driven underwriting, not paperwork
Built for complex, commercial properties
Same-day responses & transparent timelines
Traditional Bank
We Lend
Weeks to months for a decision
Term sheet in 1 hour, closed in 1–3 days
Multiple approval committees required
In-house decision-making, zero layers
Rigid box-driven underwriting
Asset-driven underwriting, not paperwork
No exceptions for complex properties
Built for complex, commercial properties
Inconsistent communication & timelines
Same-day responses & transparent timelines
Why Brokers & Borrowers Choose We Lend
01
Asset-Driven Underwriting
We lend on the asset quality — not a paperwork checklist.
02
Commercial Expertise
Deep experience across complex, mixed-use, and commercial properties.
03
Flexible for Exceptions
Unique deals, non-standard structures — we've funded them.
04
Same-Day Responses
You always know where your deal stands — on day one.
05
Certainty of Capital
When timing is everything, we deliver. No last-minute surprises.
Our Programs
Commercial Lending
Across Asset Classes
Nationwide · NY Metro Focus
We Lend specializes in commercial and complex real estate lending nationwide, with deep experience in the New York metro market.
Every transaction is evaluated individually — based on asset quality, deal structure, and exit strategy. Not a box. Not a template.
Deep expertise in New York metro market
Core Programs
B
Commercial Bridge Loans
Short-term capital to bridge the gap. Fast funding when the deal can't wait.
Learn more
M
Multifamily & Mixed-Use
From 5-unit walkups to large mixed-use portfolios — we know the asset class.
Learn more
G
Ground-Up Construction
Construction financing from permitting to certificate of occupancy.
Learn more
D
DSCR & Investor Financing
Cash-flow-based financing designed for serious real estate investors.
Learn more
A
Asset-Based Lending
Across retail, office, industrial, and specialty commercial property types.
Learn more
Commercial Bridge Loans
Short-term capital to bridge the gap. Fast funding when the deal can't wait.
→
Multifamily and Mixed-Use Properties
From 5-unit walkups to large mixed-use portfolios.
→
Ground-Up and Construction-Backed Projects
Financing from permitting to certificate of occupancy.
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DSCR and Investor-Focused Financing
Cash-flow-based financing for serious investors.
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Asset-Based Lending Across Commercial Property Types
Retail, office, industrial, and specialty types.
→
Each transaction evaluated individually — asset quality, structure, and exit strategy. No cookie-cutter approvals.
View All Programs
Social Proof
What Our
Clients Say
Google
4.7
Google Reviews
"
Nothing but good things to say about We Lend. Nathan has been my loan officer and he cares about his clients. He goes above and beyond to make sure he is building a bridge for a successful closing.
BA
Brian Adamson
Verified Google Review · 2 years ago
"
This was my first experience using a private lender. I had a great experience. Jeff and Christian did exactly what they promised! I will be using WeLend again!
DB
Dennis Brooks
Verified Google Review · 2 years ago
"
Guy Schmuel and the WeLend team were outstanding. The project was funded within 5 weeks from start to finish. Constant communication, detailed every step. I would highly recommend WeLend to any investor.
SS
Sonya Simon
Verified Google Review · 2 years ago
47+ verified reviews. Real borrowers. Real deals. Real results.
Find the right loan program for your deal
Compare all We Lend programs side by side. No calls needed to pre-qualify.
| Program highlights | NewConstruction | RentalDSCR | Rescue /Bailout | Short-termBridge |
|---|---|---|---|---|
| Interest rates | From 9.99% | From 5.99% | Rates vary | From 10% |
| Loan term | 12 – 18 months | 30 years (fixed) | 12 months | 6 – 24 months |
| Min loan amount | $500K | $150K | $350K | $250K |
| Max LTV / LTC | Up to 90% LTC | Up to 80% LTV | Up to 60% AIV | Up to 80% ARV |
| Minimum FICO | 650 | 620 | Not required | 620 |
| Documents | No doc | No doc | No doc | No doc |
| Property types | 1–4 units, Condo Dev (≤24), Townhomes, PUDs | 1–10 units | 1–4 units, 5–50 units, Condos, Townhouses | Most residential & mixed-use |
| Prepayment penalty | None | 5, 3, 2 year options | No PPP | None |
| Experience required | Required | None | None | None |
| Typical closing time | 7 – 14 days | 10 – 21 days | 3 – 7 days | 3 – 10 days |
No programmes match this filter.
Not sure which program fits your deal?
Use our Deal Qualifier or speak to a specialist — we respond within the hour.
