Most brokers charge a placement or success fee on every single loan, every time you borrow — and over a career that adds up to hundreds of thousands of dollars, often placed with many of the same lenders in our network. We publish our pricing, because radical transparency is part of how we do business. Two pricing paths — both designed to keep your capital working for your business.
Prefer email? Send us your request at Freequote@wfa.cash and we'll come back with your complimentary quote.
Checking what you qualify for is a soft pull only — no effect on your personal credit. No obligation. Not sure which type of loan fits your deal? Have a conversation with Athena, our AI loan placement advisor — ask her anything, day or night, and she will help you find the right loan and start your application when you are ready.
Purchase, refinance, cash-out, construction, bridge, multifamily, mixed-use, fix & flip or long-term rental — there are dozens of ways to finance a property. Athena, our AI loan placement advisor, will have a real conversation with you about your deal, answer your questions in plain English, and help you figure out which loan fits before you ever fill out a form.
We maintain a nationwide network exceeding ten thousand active commercial real estate lenders — banks, credit unions, private lenders, debt funds, life insurance companies, CMBS conduits, hard money lenders, bridge lenders, mezzanine lenders, SBA preferred lenders, and specialty institutions. And it grows every week.
Here's why that matters: every commercial real estate deal is different. The right lender for a multifamily acquisition in Texas is not the right lender for a hospitality bridge loan in Florida. The right lender for a seasoned investor with a twelve-property track record is not the right lender for a first-time investor.
With most brokers, you get whoever they happen to have a relationship with — typically a handful of lenders — and your deal gets squeezed into whatever fits their small network.
With a network of 10,000+ active commercial lenders, your deal gets matched to the right lender for your specific situation: asset class, geography, borrower profile, deal structure, timeline, loan size, and risk profile. That's the difference between a broker who has a few lenders and an advisory that has a network.
The Lifetime Membership is the better economics for anyone doing more than one commercial real estate loan over a career. Prefer to pay per loan? Our placement fees start as low as 5 basis points.
Pay a single lifetime membership fee, one time. In exchange you receive:
Your tier is assigned during application review, based on your investor profile, projected deal volume, and typical loan sizes. The fee schedule below is a guideline only — the actual fee you pay is based on several factors unique to you, and is negotiable.
Active commercial real estate investors; typical loans $5M–$50M.
Multi-property operators with large portfolios; typical loans $50M–$250M.
Master-planned community sponsors, resort projects, and mega-developments.
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.
Our fees are among the lowest in the industry — and we will meet or beat any published or verifiable fee quoted by a comparable loan placement firm or loan broker.
Our fees are among the lowest in the industry — and we will meet or beat any published or verifiable fee quoted by a comparable loan placement firm or loan broker. Send us a written placement, success, or broker fee quote on any commercial purchase or refinance of $1 million or more. Once we verify it, we will meet or beat it — your real quote against our real number. The larger the loan, the lower our fee.
Lenders charge their own fees — origination, processing, underwriting, broker-premium fees. Most brokers pass these straight through without negotiating, because they get paid by the lender on top of what you're paying them. The lender's fees aren't their problem.
We don't work that way. When we package your deal, we negotiate lender fees on your behalf:
This is included in every Lifetime Membership tier and on every per-loan placement.
Our 10,000+ lender network covers the full range of commercial property.
Class A, B, and C; medical; urban and suburban.
Shopping centers, strip malls, anchor-tenant and standalone retail.
Warehouses, distribution centers, last-mile logistics, light industrial, cold storage.
5+ unit apartments, student housing, senior housing, build-to-rent.
Flagged hotels, boutique properties, extended-stay, resort properties.
Climate-controlled, traditional, and expansion projects.
Vertical mixed-use, urban infill, transit-oriented development.
Medical, data centers, parking, religious, educational.
Resort communities and large-scale mixed-use (Mega Investors & Developers tier).
Short-term and long-term financing for real estate investors, placed with lenders who specialize in investor loans. Loans of $1 million and up.
Minimum loan $1,000,000. Leverage, rates and terms depend on the property, your experience and current market conditions — Athena can walk you through what fits your deal. Soft pull only — no effect on your personal credit.
Most commercial loan brokers run a transactional model. They charge a fee on every loan because they treat each client as a one-time transaction. They have no incentive to think long-term.
We built We Finance America on the opposite premise. Serious commercial real estate investors are professionals doing this for decades. They deserve a placement partner whose incentives are aligned with theirs across an entire career — not just on a single deal.
The tiered Lifetime Membership is the structural expression of that belief. You pay one reasonable fee appropriate to your profile. We earn your relationship for life. We're compensated by our lender partners on closings — at no additional cost to you.
Honest Disclosure: We Finance America is a commercial loan placement advisory. We do not make lending decisions. Final approval, rates, terms, lender fees, and all loan conditions are determined by the specific lender based on their underwriting. Membership tier assignment is determined during application review based on borrower profile, projected loan volume, and typical loan sizes. The minimum loan size for any commercial real estate or real estate investor loan is $1,000,000. All fees shown are WFA placement fees only and are separate from any fees charged by the funding lender.
Nearly every broker charges a fee on every commercial real estate loan, for life. We charge one membership fee once — then unlimited commercial real estate loans, forever, with zero broker fees.
Both. Tell us about the property and your plan and we'll place it with the right lender.
No. Pre-qualification is a soft pull only, with zero effect on your personal FICO. Some programs — SBA loans, commercial real estate and real estate investment loans, and certain asset-based financing — may require a hard credit inquiry; if yours does, your assigned loan advisor will tell you beforehand.
Perfect. Call Athena, our AI loan placement advisor, at (602) 905-2066 and ask her anything. She answers instantly, day or night. No pressure, no obligation.
During application review we evaluate your investor profile, typical loan sizes, and projected deal volume. Tier assignment is transparent and discussed openly during the consult, before any commitment.
Yes. As your activity grows, we discuss adjusting your tier. The lifetime nature of your membership doesn't change.
That's our Mega Investors & Developers tier — a custom partnership. Standard membership pricing isn't the right structure; call us for a confidential conversation.
No. We earn the membership fee up front and receive additional compensation from our lender partners on closings — at no cost to you. The model works because we build long-term relationships with active investors.
No. Your membership gives you the option of zero placement fees. You can still use other brokers if you choose.
You owe nothing on the placement side. The Lifetime Membership fee covers unlimited future loans regardless of any individual deal's outcome.
When you share your details with us, you're trusting us with sensitive data. We take that seriously.
Your application only takes a few moments and puts you in front of our 10,000+ lender network with among the lowest placement fees in America. Soft pull only — no effect on your credit.