Hard Money Lender in New York

Private real estate capital for deals that need a faster, more direct decision

When a bank needs weeks to make a decision, We Lend can turn around a term sheet in 2 to 4 hours.

We are a founder-led, friends-and-family-backed private lender for real estate investors, mortgage brokers, and rental property owners who need speed, flexible deal structures, and a lender they can reach directly.

We lend throughout New York and New Jersey, providing financing for fix and flips, bridge loans, DSCR rental properties, ground-up construction, and urgent rescue situations. Our in-house underwriting team reviews the deal, understands the local market, and gives you a clear answer without sending your file through layers of committees.

Whether you are buying a property to renovate, refinancing a maturing loan, building from the ground up, or facing a closing deadline, We Lend provides private financing built around the transaction in front of us.

Have a deal? Email info@welendllc.com or call +1 212 777 7780.

A hard money lender that picks up the phone

Private lending is not only about getting a loan approved. It is about knowing whether the lender will move when the deal changes, answer when a deadline gets closer, and understand the property well enough to make a decision.

We Lend was built for borrowers who need direct communication and practical underwriting. We work with experienced fix and flip investors, mortgage brokers, and self-employed rental portfolio builders throughout the New York and New Jersey metro area.

Our capital is backed by friends and family. Our underwriting is handled in-house. Our decisions are made by people who are accountable for the outcome of every loan.

We have funded more than $700 million across New York and New Jersey through more than 1,400 loans, with a 68% repeat borrower rate, zero principal loss, and a $20 million Webster Bank credit facility.

Why borrowers choose We Lend

What your deal needs	How We Lend responds
A fast answer	Term sheets in 2 to 4 hours
A lender who understands the market	Local lending experience across New York and New Jersey
Flexible deal review	In-house underwriting by people, not an automated approval chain
Direct communication	A lender you can call back
Capital that moves	Funding for purchases, renovations, refinances, and construction
Help when the deadline is close	Rescue loans that can close in as little as 48 hours

Private real estate loans for active investors

We Lend offers several types of private real estate financing. Each loan is evaluated based on the property, the exit strategy, the borrower's experience, and the overall strength of the deal.

Fix and flip loans
Submit your fix and flip deal at welendllc.com. We fund the purchase and the full rehab.
Purchase and renovate residential or commercial properties with financing for both the acquisition and the full rehab budget.

Our fix and flip loans are designed for investors who need to compete with cash buyers, close quickly, and keep a project moving from purchase through resale.

Typical uses include:

Property acquisition

Full or partial renovation costs

Bridge financing between purchase and sale

Refinancing an existing project loan

Closing quickly on properties with significant upside
Bridge loans

Submit your bridge loan deal at welendllc.com. Term sheet in 2 to 4 hours.

Bridge financing can help investors acquire or refinance a property before permanent financing, a sale, or another capital event.

We review bridge deals based on the property and the borrower's plan, not only on a standardized lending box. This makes bridge loans useful for time-sensitive acquisitions, transitional properties, and situations where conventional financing is too slow or too restrictive.
DSCR rental loans

No W-2 needed. Submit your rental property for a DSCR quote at welendllc.com.

Build or refinance a rental portfolio without relying exclusively on W-2 income. DSCR loans are evaluated primarily through the property's ability to support its debt service.

We work with self-employed investors and rental property owners who want to acquire, refinance, or stabilize investment properties across New York and New Jersey.
Ground-up construction loans

Building in New York or New Jersey? Submit your ground-up deal at welendllc.com. Term sheet in 2 to 4 hours.

Building in New York or New Jersey requires a lender who understands the property, the budget, the timeline, and the local execution risk.

We Lend provides ground-up construction financing for qualified investors and developers with a clear plan, realistic costs, and a defined exit strategy. Our team reviews the project directly and can provide a term sheet in 2 to 4 hours.
Rescue and bailout loans

Facing a deadline? We close rescue loans in 48 hours. Call +1 212 777 7780 or email info@welendllc.com now.

A missed payoff date, delayed sale, expiring commitment, or unexpected title issue can put an otherwise viable deal at risk.

We Lend provides rescue and bailout financing for urgent real estate situations. When the deadline is close, we focus on what can be done, what collateral is available, and how the loan will be repaid.

Rescue loans can close in as little as 48 hours.

Submit your fix and flip deal at welendllc.com. We fund the purchase and the full rehab.

Purchase and renovate residential or commercial properties with financing for both the acquisition and the full rehab budget.

Our fix and flip loans are designed for investors who need to compete with cash buyers, close quickly, and keep a project moving from purchase through resale.

Typical uses include:

Property acquisition
Full or partial renovation costs
Bridge financing between purchase and sale
Refinancing an existing project loan
Closing quickly on properties with significant upside

Submit your bridge loan deal at welendllc.com. Term sheet in 2 to 4 hours.

Bridge financing can help investors acquire or refinance a property before permanent financing, a sale, or another capital event.

We review bridge deals based on the property and the borrower's plan, not only on a standardized lending box. This makes bridge loans useful for time-sensitive acquisitions, transitional properties, and situations where conventional financing is too slow or too restrictive.

No W-2 needed. Submit your rental property for a DSCR quote at welendllc.com.

Build or refinance a rental portfolio without relying exclusively on W-2 income. DSCR loans are evaluated primarily through the property's ability to support its debt service.

We work with self-employed investors and rental property owners who want to acquire, refinance, or stabilize investment properties across New York and New Jersey.

Building in New York or New Jersey? Submit your ground-up deal at welendllc.com. Term sheet in 2 to 4 hours.

Building in New York or New Jersey requires a lender who understands the property, the budget, the timeline, and the local execution risk.

We Lend provides ground-up construction financing for qualified investors and developers with a clear plan, realistic costs, and a defined exit strategy. Our team reviews the project directly and can provide a term sheet in 2 to 4 hours.

Facing a deadline? We close rescue loans in 48 hours. Call +1 212 777 7780 or email info@welendllc.com now.

A missed payoff date, delayed sale, expiring commitment, or unexpected title issue can put an otherwise viable deal at risk.

We Lend provides rescue and bailout financing for urgent real estate situations. When the deadline is close, we focus on what can be done, what collateral is available, and how the loan will be repaid.

Rescue loans can close in as little as 48 hours.

Clear terms for private real estate lending

We Lend structures each loan around the property and the transaction. While final terms depend on the deal, current pricing generally falls within the following ranges:

Loan detail	Typical range
Interest rate	9% to 12%
Origination fee	1% to 3%
Term sheet turnaround	2 to 4 hours
Rescue loan closing timeline	As little as 48 hours

The lowest advertised rate is not always the lowest total cost of capital. A slower approval, missed closing, delayed renovation, or forced extension can cost more than a straightforward private loan with terms built around the actual transaction.

Our goal is to give you a clear view of the capital required, the expected cost, and the path to closing before you commit.

How the We Lend process works

1. Send us the deal

Submit the property details, purchase price or current loan balance, renovation or construction budget, estimated value, and exit strategy. If you are a broker, include your borrower's information and your role in the transaction.
2. Speak with a real lender

We review the deal in-house and follow up directly. You do not have to wait for an automated decision or explain the same transaction to multiple departments.
3. Receive a term sheet

For many transactions, We Lend can provide a term sheet within 2 to 4 hours after receiving the information needed to evaluate the deal. The term sheet outlines the proposed loan amount, rate, origination fee, and key conditions.
4. Move toward closing

Once the terms are accepted and due diligence is complete, we coordinate the remaining items and work toward the closing timeline your deal requires.

Submit the property details, purchase price or current loan balance, renovation or construction budget, estimated value, and exit strategy. If you are a broker, include your borrower's information and your role in the transaction.

We review the deal in-house and follow up directly. You do not have to wait for an automated decision or explain the same transaction to multiple departments.

For many transactions, We Lend can provide a term sheet within 2 to 4 hours after receiving the information needed to evaluate the deal. The term sheet outlines the proposed loan amount, rate, origination fee, and key conditions.

Once the terms are accepted and due diligence is complete, we coordinate the remaining items and work toward the closing timeline your deal requires.

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For mortgage brokers and referral partners

We Lend works directly with mortgage brokers and protects the borrower relationship. Our broker program is built around communication, clear terms, and no upfront fees.

If your client has a deal that falls outside conventional underwriting, needs to close quickly, or requires a loan structure that an institutional lender will not consider, send it to We Lend for review.

Broker-friendly, no upfront fees, and your client is protected. Submit the deal at welendllc.com or call Jeff directly at jeff@welendllc.com.

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Who We Lend is built for

We Lend is designed for active real estate professionals who understand their property, their numbers, and their exit strategy.

We commonly work with:

Experienced fix and flip investors
Mortgage brokers placing private loans
Self-employed rental property investors
Borrowers acquiring properties with tight closing deadlines
Developers building in New York and New Jersey
Investors refinancing or repositioning existing assets
Borrowers dealing with urgent payoff or closing situations

Private lending is not a last resort. It is a form of transaction-specific capital for borrowers who need speed, flexibility, or a structure that a bank may not offer.

new-york-signagecommercial hard money loans

Why choose We Lend instead of a national online lender?

National private lenders often rely on automated processes designed for volume. That can work for a standardized deal. It can be less useful when the property, timeline, or capital stack does not fit a preset model.

We Lend takes a different approach. Our speed comes from making decisions directly. Our team understands the New York and New Jersey market, reviews deals in-house, and stays available throughout the transaction.

You get:

Local market knowledge
Founder-led oversight
Friends-and-family-backed capital
In-house underwriting
Direct borrower and broker communication
Experience with complex and time-sensitive deals
A 68% repeat borrower rate
More than $700 million funded

Frequently asked questions

What is a hard money loan?

A hard money loan is a private real estate loan secured primarily by the value and potential of the property. Unlike a conventional bank loan, the underwriting process can place greater emphasis on the collateral, transaction structure, borrower experience, and exit strategy.

What areas does We Lend serve?

We Lend lends in New York and New Jersey, including the New York and New Jersey metro area. Submit your property details to confirm whether the deal falls within our lending area.

How quickly can I receive a term sheet?

We Lend can turn around many term sheets within 2 to 4 hours after receiving the information needed to evaluate the deal. More complex transactions may require additional diligence.

How quickly can We Lend close?

The closing timeline depends on the property, title, documentation, and transaction structure. Rescue loans can close in as little as 48 hours when the deal is ready and the required conditions are satisfied.

What rates does We Lend charge?

Rates generally range from 9% to 12%, with origination fees generally ranging from 1% to 3%. Actual pricing depends on the property, leverage, borrower profile, loan purpose, and exit strategy.

Does We Lend require W-2 income for a DSCR rental loan?

No W-2 is needed for a DSCR quote. Qualification is based primarily on the rental property's ability to support its debt service, along with the broader strength of the transaction.

Does We Lend fund the renovation on a fix and flip loan?

Yes. We Lend can fund the property purchase and the full rehab budget, subject to underwriting and the final loan structure.

Does We Lend work with mortgage brokers?

Yes. We Lend is broker-friendly, does not charge upfront fees, and protects the client relationship. Brokers can submit a deal through welendllc.com or contact Jeff at jeff@welendllc.com.

Is We Lend a bank?

No. We Lend is a private real estate lender backed by friends and family. The company also has a $20 million Webster Bank credit facility and conducts underwriting in-house.

Have a real estate deal that needs a direct answer?

If your deal needs a fast decision, a flexible structure, or a lender who will stay reachable, talk with We Lend.

Email info@welendllc.com or call +1 212 777 7780. We turn around term sheets in 2 to 4 hours.

Apply Now

All loans are subject to underwriting, property review, due diligence, and final approval. Loan terms, rates, fees, leverage, and closing timelines vary by transaction.