# We Finance America

> We Finance America, Inc. is a national commercial loan placement advisory serving all 50 U.S. states. We connect business owners, commercial real estate investors, developers, and contractors with the right lender from a nationwide network of thousands of banks, credit unions, private lenders, and institutional capital sources. We are not a lender; we package, position, and advocate for each borrower's file to secure the best terms. Commercial real estate clients are backed by a Lifetime No Fee Guarantee — one membership fee, then zero placement fees on unlimited CRE loans for life.

Contact: (602) 905-2066 · info@wfa.cash · https://wfa.cash
Departments: new enquiries info@wfa.cash · complimentary quotes Freequote@wfa.cash · applications apply@wfa.cash · documents Docs@wfa.cash · privacy and data requests Privacy@wfa.cash · office of the founder yianni@wfa.cash
Hours: Monday–Friday, 9am–5pm PST
Tagline: Capital for the Builders of America

## Financing Programs
- [Business Line of Credit](https://wfa.cash/revolving-line-of-credit): Revolving credit up to $1.5M; pay interest only on what you use; same-day funding available; no prepayment penalty.
- [Working Capital](https://wfa.cash/working-capital): $25K to $3M, funding in days, for payroll, inventory, expansion, and opportunities.
- [MCA Reverse Consolidation](https://wfa.cash/working-capital): For businesses stacked with 2–8 merchant cash advances; cut weekly payments up to 50%; no collateral; approval often within 24 hours.
- [Revenue-Based Financing](https://wfa.cash/fast-cash-funding): Up to $1.5M with payments that flex with revenue; 18-month terms; no prepayment penalty.
- [Equipment Financing](https://wfa.cash/equipment-loans): New or used equipment financing from $500K to $100M+ across all industries.
- [Equipment Sale-Leaseback](https://wfa.cash/equipment-sale-leaseback): Unlock capital from equipment you already own, $500K to $100M+, using fair market value; keep using the equipment with zero downtime.
- [Asset-Based Lending](https://wfa.cash/asset-based-lending): Leverage receivables, inventory, and equipment when traditional banks say no.
- [Commercial Real Estate Loans](https://wfa.cash/commercial-loans): Purchase, refinance, construction, and bridge financing, backed by the Lifetime No Fee Guarantee.
- [Ground-Up Construction Financing](https://wfa.cash/construction-financing): Up to 90% Loan-to-Cost for experienced developers, well above the typical 65–75% bank ceiling.
- [SBA Loans](https://wfa.cash/sba-loans): SBA 7(a) up to $5,000,000; 504 up to $5,500,000 (SBA-backed portion); Express up to $500,000. As of July 4, 2026, 7(a) and 504 can be combined for up to $10,000,000 total. Terms up to 25 years on real estate with no balloon. Owner-occupancy requirement is 51% for an existing building, 60% for new construction. The SBA sets no fixed down payment; established businesses with strong cash flow may qualify for up to 100% financing on an owner-occupied purchase.

## Who We Serve
Business owners and CEOs, commercial real estate investors and developers, general contractors and builders, CFOs, CPAs and bookkeepers, mortgage companies, CFPs and RIAs, and commercial brokers — in all 50 states.

## Apply
- [Business Loan Application](https://wfa.cash/business-loan-app)
- [Commercial & Construction Loan Application](https://wfa.cash/commercial-loan-app)
- [Equipment Financing Application](https://wfa.cash/equipment-loan-app)

## About
- [About We Finance America](https://wfa.cash/about): A national loan placement advisory built on integrity — "receptive, not deceptive."