Our most popular program is an unsecured revolving line of credit up to $1.5 million — based principally on your business cash flow, not your assets. Draw what you need, pay it down, use it again. Find out what you qualify for in minutes — with no impact to your personal credit and no obligation.
Meet Athena, our resident loan placement specialist — available 24/7 by voice or chat at the bottom-right of your screen. She answers every question, tells you what you qualify for, and can take your application on the spot. Yes, she's AI — but you'd never know it.
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 5 to 50 basis points.
| Membership Tier | For This Profile | One-Time Fee |
|---|---|---|
| Investor | Fix & flip, rentals, portfolios, $250K–$5M loans | $50,000 |
| Active Investor | Active commercial investors, $5M–$50M loans | $100,000 |
| Established Investor | Multi-property, $50M–$250M loans | $250,000 |
| Mega Investors & Developers | Master-planned communities, resorts, mega-projects | Custom Partnership (negotiable) |
Membership fees shown are guidelines only and are subject to change without notice at the sole discretion of the company. Your actual fee depends on your specific circumstances, including your investor profile and your real estate investment history and experience, and is negotiable. Once your membership fee is negotiated and paid, it is locked in for life — your rate will never change and you will never be charged another WFA placement fee again.
Over a career, that can save you hundreds of thousands of dollars versus what a traditional broker would charge to place your loans — often with many of the same lenders in our network.
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.
Nearly every 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.
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.
This is how we earn the trust of business owners, investors, 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, the right program starts the process.
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.
Apply Now →Up to $1.5M revolving credit. Draw what you need. Pay interest only on what you use. The smartest first move for any operator.
Apply Now →$25K to $3M. Funding in days. For payroll, inventory, expansion, and the opportunities you can't afford to miss.
Apply Now →Purchase, rehab, refinance, and portfolio loans for real estate investors. Bridge-style speed, limited paperwork, fast closings.
Apply Now →Purchase, refinance, construction, bridge. Backed by our Lifetime No Fee Guarantee.
Apply Now →Up to $1.5M with payments that flex with your revenue. 18-month terms, no prepayment penalty. Perfect for seasonal businesses.
Apply Now →New for 2026: 7(a) and 504 can now be combined for up to $10M in SBA-backed financing. Placed with preferred SBA lenders. Lower rates. Longer terms.
Apply Now →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, general contractors, CFOs, CPAs, financial advisors, mortgage companies, and commercial real estate brokers.
A commercial loan placement advisory differs from a traditional loan broker in three important ways.
First, an advisory packages the borrower's file.
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.
Second, an advisory matches the borrower to the right lender.
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.
Third, an advisory advocates through underwriting.
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.
Apply Now → Get Pre-QualifiedOr call us directly: (602) 905-2066 — Mon–Fri, 9am–5pm PST