Put your capital to work in real estate-backed loans
The We Lend Fund gives investors access to a real estate credit strategy built by experienced operators who have funded and managed real estate loans firsthand.
Request Investor InformationWe Lend focuses on business-purpose loans secured by real estate. Our founders make lending decisions in-house, stay close to each transaction, and bring practical experience from investing in and improving real estate themselves.
Investment opportunities are subject to eligibility requirements, availability, and the terms of the applicable offering documents. Returns are not guaranteed, and investors may lose some or all of their invested capital.
At a glance
Real estate-backed business-purpose loans
First-position mortgage liens on qualifying properties
Monthly distributions may be available, subject to the Fund documents and portfolio performance
Founder-led management and in-house underwriting
More than $700 million funded through We Lend since 2018*
*Company-level figure based on current approved We Lend records. It does not represent Fund performance or guarantee future results.
Built by people who have been in the deal
We Lend was founded by real estate investors who understand the work behind a successful project. That experience shapes how the team evaluates properties, borrowers, scopes of work, valuations, and exit strategies.
The business grew through relationships and friends-and-family-backed capital. That history continues to inform how We Lend works today: make thoughtful decisions, communicate directly, and stay accountable to the people whose capital is involved.
The team does not outsource its core underwriting process. It reviews each opportunity in-house and looks for the details that can affect repayment before capital is deployed.
A growing real estate lending platform
By the numbers
Representative We Lend, LLC operating figures since inception in 2018. Company-level figures are not a performance history of the Fund.
$700MM+Total amount funded
1,400+Loans funded
68%Repeat borrowers
We Lend has originated more than 1,400 loans with a combined face value of more than $700 million. The company primarily operates in New York and New Jersey. The Fund's permitted investment geography, if broader, is governed by its applicable offering documents.
These figures describe We Lend's lending activity. They should not be read as a promise of Fund performance, a guarantee of repayment, or a prediction of future results.
What the Fund is designed to do
The Fund seeks to invest in a portfolio of business-purpose loans made to real estate operators and investors. These loans are generally secured by first-position mortgage liens on non-owner-occupied real estate.
The strategy is intended to give investors exposure to real estate credit without requiring them to buy, manage, lease, or renovate property themselves. The Fund may seek to generate income from borrower interest and other sources described in the applicable offering documents.
Portfolio construction, permitted property types, loan terms, geography, leverage, distributions, fees, liquidity, and investor eligibility are determined by the Fund's governing and offering documents.
Typical loan profile
| Category | Typical profile |
|---|---|
| Loan type | Non-consumer, interest-only, business-purpose loan secured by a first lien on real estate |
| Property types | Non-owner-occupied 1-4-unit residential, multifamily, and mixed-use properties that are typically at least 50% residential |
| Loan programs | Fix and flip, rental, multifamily, and new construction |
| Typical loan term | Approximately 12 months, subject to the applicable loan documents |
| Average borrower interest rate | 9.9% |
| Average leverage at purchase | 82% |
| Typical loan amount | $415,000 |
| Average loan-to-after-repair value | 59% |
| Average borrower net worth | $2.5 million |
| Average borrower FICO score | 697 |
| Average borrower age | 44 |
| Borrower profile | Primarily real estate operators and investors with relevant experience |
| Experienced investors | 74% of borrowers in the representative data set |
| Borrower equity | Borrower cash equity is generally required and varies by transaction |
| Geography | The company's lending activity is primarily focused in New York and New Jersey. Any Fund investment mandate is governed by the applicable offering documents |
These representative loan characteristics are provided to help illustrate the types of loans We Lend has historically evaluated. They are not current Fund terms, do not represent Fund performance, and may not describe every loan in the portfolio.
The Fund may finance renovation costs when appropriate. Construction funds may be held back and released based on completed work, inspection, and the applicable loan documents.
Actual loan terms, leverage, property types, geography, and portfolio composition may vary. No loan is risk-free, and real estate collateral does not eliminate the risk of loss.
Why investors may consider the strategy
Real estate-backed lending
Loans are generally secured by a first-position mortgage lien on real estate. Collateral can provide support for a loan, but property values can change and recovery is not guaranteed.
Founder-led decisions
We Lend's founders have direct experience as real estate investors and lenders. That perspective helps the team evaluate both the numbers and the practical realities of a project.
In-house underwriting
The team reviews property, borrower, credit, title, insurance, construction, and legal information before funding. The goal is to understand the risks of each transaction rather than rely on a single metric.
Portfolio approach
The Fund may spread capital across multiple loans, borrowers, markets, and property types, subject to its applicable investment mandate. Diversification can reduce concentration risk, but it cannot guarantee a profit or prevent loss.
Potential current income
The Fund may make distributions when permitted by the governing documents and supported by available cash and portfolio performance. Distributions are not guaranteed and may vary or be suspended.
Direct accountability
We Lend's relationship-based approach means the team stays close to borrowers, properties, and the people who provide capital. Investors should review the Fund's reporting, servicing, and administration arrangements in the applicable offering documents.
How capital may move through the strategy
The Fund may originate loans and, where appropriate, sell selected loans to institutional buyers or replenish loans through a credit facility. If available and successfully implemented, these activities may allow capital to be redeployed into additional loans.
Loan sales and credit-facility activity are not guaranteed. They may be affected by market conditions, buyer demand, financing availability, loan performance, transaction costs, and other factors. The Fund may retain loans rather than sell or replenish them.
Any return targets, preferred return, distribution policy, fees, expenses, and other economics are governed exclusively by the applicable offering documents.
Investor security and portfolio features
Alignment of interest
The principals have invested personal capital alongside investors. Any sponsor participation after investors receive a preferred return applies only if and as described in the Fund's governing documents.
Real estate-backed lending
The Fund generally invests in loans secured by first-position mortgage liens on real estate. A senior lien may provide collateral support, but it does not eliminate the risk of loss or guarantee repayment.
Diversification
The Fund may spread exposure across multiple loans, borrowers, markets, and property types, subject to its investment mandate. Diversification may reduce concentration risk, but it cannot assure a profit or prevent loss.
Distribution frequency
The Fund makes monthly distributions when permitted by the governing documents and supported by available cash and portfolio performance. Distributions are not guaranteed and may vary or be suspended.
Passive income potential
The strategy is designed to provide investors with exposure to private real estate credit without requiring them to manage properties directly. The amount and timing of any income depend on the Fund's performance and governing documents.
Different market drivers
Private real estate credit may respond to different factors than publicly traded stocks and bonds. That does not mean returns are non-correlated or insulated from economic, interest-rate, property, borrower, or liquidity risk.
Loan sales and capital redeployment
The Fund may sell selected loans to institutional buyers or replenish loans through a credit facility. These activities may allow capital to be redeployed, but availability, timing, pricing, and execution are not guaranteed.
Underwriting
Loans are evaluated using property, borrower, valuation, leverage, location, credit, title, insurance, construction, and legal considerations. We Lend conducts its core underwriting in-house.
Risk-adjusted perspective
The Fund seeks to balance income potential with collateral, underwriting, and portfolio diversification. Debt and equity investments have different structures and risks. Debt should not be described as inherently safer, and real estate collateral does not eliminate the possibility of loss.
Rate of return
The Fund materials describe the following target terms:
| Return measure | Target |
|---|---|
| Preferred return | 7% |
| Target IRR | 15% to 17% |
These figures are targets, not guarantees. They are subject to the final offering documents, investment timing, fees, expenses, portfolio performance, distributions, and other applicable terms. Actual results may be lower or negative, and investors may lose some or all of their invested capital.
The preferred return and target IRR are different measures. The preferred return describes the priority return provided to investors under the applicable waterfall, while target IRR is an annualized performance objective that reflects the timing of cash flows. Investors should review the governing documents for the exact calculation and payment terms.
Underwriting that starts with the property and the borrower
We Lend conducts its core underwriting in-house. A typical review may include the following:
Property and market review
The team evaluates location, market conditions, property condition, transaction history, tax records, building records, independent comparable sales, scope of work, inspection reports, and available valuation support.
Valuation work may include as-is, after-repair, and rent-schedule analyses. The team may stress test assumptions where appropriate.
Borrower review
The team reviews borrower experience, net worth, liquidity, credit history, background information, and the borrower's equity contribution. We Lend is focused on working with real estate operators and investors who can demonstrate the ability to execute the proposed business plan.
Title and insurance review
The process may include review of the chain of title, encumbrances, lender's title insurance, property insurance, and builder's risk coverage when construction financing is involved.
Construction review
When renovation financing is approved, funds may be held back and released based on completed work and physical inspection. This process is intended to help monitor construction risk, but it cannot eliminate delays, cost overruns, or project failure.
Legal review
Legal counsel may review title, insurance, entity documents, loan documents, guarantees, and other transaction materials before closing.
Loan-buyer or credit-facility review
Where applicable, a selected loan may also be reviewed against the requirements of an institutional buyer or credit facility before funding or a subsequent transfer.
No underwriting process can identify or prevent every risk. The applicable offering documents describe the Fund's investment risks in greater detail.
From application to funding
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Loan origination
A borrower submits an application and supporting project documents.
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Processing
The team collects financial and project materials, orders valuation reports, and conducts credit, background, and OFAC reviews where applicable.
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Underwriting
The property, borrower, transaction, valuation, scope of work, and proposed exit are evaluated against internal standards.
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Loan-buyer or credit-facility review
Where applicable, an institutional buyer or credit facility conducts a secondary review.
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Legal review
Counsel reviews title, insurance, entity documents, and loan documentation.
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Closing and funding
Approved loans close and capital is deployed in accordance with the loan documents.
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Servicing, replenishment, or sale
Loans are serviced after closing. Selected loans may be retained, replenished, or sold when the Fund determines that the transaction is appropriate and available.
Understand the investment before you invest
The Fund is designed to provide exposure to private real estate credit. It is not a bank deposit, certificate of deposit, publicly traded security, mutual fund, or guaranteed-income product.
An investment may be illiquid and may have limited or no redemption rights. Property values, borrower performance, interest rates, refinancing conditions, construction costs, loan-buyer demand, credit-facility availability, legal requirements, and economic conditions may affect results.
The Fund's current minimum investment, fees, expenses, eligibility requirements, distribution policy, liquidity terms, permitted investments, and return structure are described in the applicable offering documents.
Request investor information
Learn whether the We Lend Fund may fit your objectives
Complete the form to request current investor information and learn more about the Fund's strategy, eligibility requirements, investment terms, fees, liquidity, risks, and subscription process.
Important disclosures
This page is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to purchase any security or other investment interest. Any offer may be made only through the applicable offering memorandum, operating agreement, subscription agreement, and related offering documents.
Prospective investors should review the applicable offering documents carefully and consult their legal, tax, and financial advisors. An investment involves substantial risk, including the possible loss of some or all invested capital. The Fund may be illiquid, and there may be no secondary market for Fund interests.
Historical company operating figures, illustrative examples, return targets, forward-looking statements, and references to the lending platform's prior activity are not guarantees of future results. The Fund's actual performance may differ materially. Loan sales, credit-facility replenishment, deal flow, distributions, and capital redeployment are not guaranteed.
The applicable offering documents control if there is any conflict between those documents and this page. The Fund's offering documents describe the applicable legal entity, offering name, investor eligibility requirements, and investment terms.