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    Private Lending for
    Real Estate Investors

    Get your real estate project funded and closed faster than ever before. We Lend takes the headaches out of real estate loans with speed and simplicity.
    Are you ready to experience real estate lending excellence?

    Apply Now
    About Us

    Fast and Creative Financing For Every Need

    No matter where you are in your borrowing journey, we’re here to help.

    • First-time borrowers

      First-time borrowers

      By Your Side From Day One

      When you're getting started in real estate, one of the first steps you should take is reaching out to a reputable lender — like We Lend. Who better to speak with than people who see hundreds of transactions, every single day?
      Find best-fit solutions

    • Experienced borrowers

      Experienced borrowers

      At We Lend, experienced borrowers have access to exclusive loan options and benefits. Get your loan and get it fast with white-glove customer service at every step. 
      Find Best-Fit Solutions

    • Real estate brokers

      Real estate brokers

      Gain confidence in execution, customer satisfaction, and the speed of loan approvals as a real estate broker. We Lend's expansive network ensures you get what you need when you need it. 
      Find best-fit solutions

    First-time borrowers

    By Your Side From Day One

    When you're getting started in real estate, one of the first steps you should take is reaching out to a reputable lender — like We Lend. Who better to speak with than people who see hundreds of transactions, every single day?
    Find best-fit solutions

    Experienced borrowers

    At We Lend, experienced borrowers have access to exclusive loan options and benefits. Get your loan and get it fast with white-glove customer service at every step. 
    Find Best-Fit Solutions

    Real estate brokers

    Gain confidence in execution, customer satisfaction, and the speed of loan approvals as a real estate broker. We Lend's expansive network ensures you get what you need when you need it. 
    Find best-fit solutions

    Find your loan programme in 60 seconds.
    Why Choose Us

    Your New Favorite
    Private Lender

    01
    01
    Nationwide Lending
    Capital deployed coast to coast across 46 states. Wherever the deal is, we can move on it.
    02
    02
    Quick Closings
    Term sheets in 1 hour. Closings in 1–3 business days. No committee. No delays.
    03
    03
    Broker-Friendly
    We protect your fees, communicate clearly, and make you look good in front of your clients.
    04
    04
    Low Starting Rates
    Competitive pricing from family-backed capital — not institutional rates padded with overhead.
    05
    05
    Flexible Acceptance
    Complex deals, non-traditional structures, exceptions — we underwrite the asset, not the box.
    06
    06
    First-Hand Experience
    Our team are former industry professionals. We've sat where you sit — we get the deal.
    1hr
    Term Sheet
    46+
    States
    1–3d
    To Close
    4.7★
    Google Rating
    Our Capital Structure

    Family-Backed,
    Flexible Capital

    We Lend is backed by family and friends capital — not institutional funds. That distinction changes everything about how decisions get made.

    Because our capital is controlled internally, every decision is in-house. No committee. No approval layers. We move quickly, structure creatively, and execute with certainty.

    This gives borrowers and brokers the flexibility needed to close real deals in real time — not after three rounds of internal review.
    Key Advantages
    01
    Family-Backed, Zero Institutional Overhead
    Capital with no approval layer above us. We decide, we move.
    02
    Direct, In-House Underwriting
    The person reviewing your deal has the authority to fund it. No hand-offs.
    03
    Flexible for Complex Structures
    Exceptions, unique properties, creative deal structures — we've seen it all and funded it.
    04
    Faster Execution, Start to Close
    Term sheet to funding in days — not weeks. Timing certainty you can build your deal around.
    "When others can't move, we deliver."
    In-house capital · In-house decisions · In-house execution
    Our Process

    Speed & Execution

    We Lend delivers speed without compromise — by handling underwriting, funding, and execution entirely in-house. Clarity early. Certainty through closing.

    1hr
    Term Sheet Issued
    Submit your deal. Get a real term sheet within 60 minutes.
    1–3d
    Closing Completed
    Full process from submission to funded in business days.
    0
    Institutional Delays
    No committees, no approval layers, no waiting rooms.
    Day1
    Clear Terms, Upfront
    All terms communicated from the start. No surprises at the table.
    100%
    Consistent Execution
    Same team, same process, same certainty — every single deal.

    The 24-Hour Term Sheet Isn't Marketing

    It's a structural fact. Because we control the capital, we control the timeline — and we protect yours.

    Ready to test our speed?

    Submit Your Deal

    BANK ALTERNATIVE POSITIONING

    We Step In When Banks Step Out

    Traditional banks are often slow, rigid, and constrained by internal processes.
    We Lend operates as a true bank alternative for commercial and complex real estate transactions.

    When others can’t move, we deliver.

    Why Brokers & Borrowers Choose We Lend

    nationwide-lending
    Asset-driven underwriting, not paperwork-driven decisions
    nationwide-lending
    Commercial lending expertise across complex properties
    nationwide-lending
    Flexible capital built for real execution timelines
    nationwide-lending
    Same-day responses and transparent communication
    nationwide-lending
    Certainty of capital when timing matters most

    COMMERCIAL & ASSET CLASS FOCUS

    Commercial Lending Across Asset Classes

    We Lend specializes in commercial and complex real estate lending nationwide, with deep experience in the New York metro market.

    Each transaction is evaluated individually, based on asset quality, structure, and exit strategy.

    Core Programs

    nationwide-lending
    Commercial bridge loans
    nationwide-lending
    Multifamily and mixed-use properties
    nationwide-lending
    Ground-up and construction-backed projects
    nationwide-lending
    DSCR and investor-focused financing
    nationwide-lending
    Asset-based lending across commercial property types

    Find the right loan programme for your deal

    Compare all We Lend programmes side by side. No calls needed to pre-qualify.

    Programme highlights NewConstruction RentalDSCR Rescue /Bailout Short-termBridge
    Interest rates From 9.99% From 5.99% Rates vary From 10%
    Loan term 12 – 18 months 30 years (fixed) 12 months 6 – 24 months
    Min loan amount $500K $150K $350K $250K
    Max LTV / LTC Up to 90% LTC Up to 80% LTV Up to 60% AIV Up to 80% ARV
    Minimum FICO 650 620 Not required 620
    Documents No doc No doc No doc No doc
    Property types 1–4 units, Condo Dev (≤24), Townhomes, PUDs 1–10 units 1–4 units, 5–50 units, Condos, Townhouses Most residential & mixed-use
    Prepayment penalty None 5, 3, 2 year options No PPP None
    Experience required Required None None None
    Typical closing time 7 – 14 days 10 – 21 days 3 – 7 days 3 – 10 days
    No programmes match this filter.

    Not sure which programme fits your deal?

    Use our Deal Qualifier or speak to a specialist — we respond within the hour.
    Find my programme →
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    How It Works

    We provide investors with real estate loans from in 46 States coast to coast. As former industry professionals, it was crucial for us to make the process as quick and as simple as possible. Learn more about our tried-and-true four-step process by reading more. Keep Reading
    Quote Icon

    “I was new to buying and flipping I came across we lend spoke to Ruben told him my plans he passed me over to Moses who helped me from start to finish I was educated and market and they were very helpful before I even got a loan now a few years later I did Over 20 transactions you can always call them with any questions about market what's moving what’s going on you will always get the help you need even if you don’t borrow hood people to work with”

    Eugene J.
    Real Estate Investor

    Follow Our Journey

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    Press Releases

    This strategic collaboration reinforces We Lend's position as a leading player in private real estate lending, committed to origination growth, investor security, and capital preservation

    We Lend Taps Castle Placement to Raise $100 Million to Expand Real Estate Lending Platform

    Read More
    This strategic collaboration reinforces We Lend's position as a leading player in private real estate lending, committed to origination growth, investor security, and capital preservation

    We Lend Taps Castle Placement to Raise $100 Million to Expand Real Estate Lending Platform

    Read More
    In private real estate lending, the question of capital structure matters as much as the deals you do. For We Lend, a New York-based private lender focused on the East Coast market,

    Ruben Izgelov's $20 Million Bank Line Is Helping We Lend Compete with Institutional Capital

    Read More
    The recent closing of a $20 million bank line with Webster Bank represents more than just additional capital for New York-based private lender We Lend.

    We Lend Secures $20 Million Bank Line, Gaining Institutional Validation While Maintaining Entrepreneurial Edge

    Read More
    United States, 7th Apr 2026 - KeyCrew Media, a real estate analytics and media network, has selected Ruben Izgelov, CEO and Co-Founder of We Lend LLC, as a KeyCrew Verified Expert.

    KeyCrew Media Names We Lend's Ruben Izgelov as Verified Expert in NY-NJ Private Lending

    Read More
    United States, 23rd Apr 2026 -- We Lend, a private real estate lender active across the New York and New Jersey market

    We Lend Launches Wholesale Marketplace Connecting Investors With Off-Market Deals and Financing

    Read More
    Real estate wholesaling operates on a simple premise: find a property at a discount, put it under contract, and assign that contract to a buyer who can close. In practice

    A New Marketplace Is Trying to Solve the Biggest Bottleneck in Real Estate Wholesaling

    Read More
    We Lend has launched a wholesale property marketplace that connects investors with off-market deals and pre-approved financing in one platform, addressing a critical friction point in real estate transactions.

    We Lend Launches Integrated Marketplace for Wholesale Real Estate Deals and Financing

    Read More
    For most of the past decade, the divide between private real estate lenders and institutionally backed capital sources was measured primarily in cost.

    How Private Lenders Are Competing With Institutional Capital in the New York Market

    Read More
    We Lend, a private real estate lender active across the New York and New Jersey market, has launched a Wholesale Property Marketplace designed to connect property

    We Lend Launches Wholesale Property Marketplace Connecting Investors With Off-Market Deals and Financing in One Platform

    Read More
    We Lend, a private real estate lender active in New York and New Jersey, has launched a Wholesale Property Marketplace

    We Lend Launches Integrated Marketplace for Wholesale Real Estate Deals and Financing

    Read More
    We Lend, a private real estate lender active across the New York and New Jersey market, has launched a Wholesale Property Marketplace designed to connect property

    We Lend Launches Wholesale Property Marketplace Connecting Investors With Off-Market Deals and Financing in One Platform

    Read More
    The distressed real estate market in New York and New Jersey is producing some of the most complex financing situations in recent memory. Partner disputes, stalled construction projects, technical payment defaults,

    Not Every Lender Will Go Here: The Real Work Behind Distressed Real Estate Financing

    Read More
    The distressed real estate market in New York and New Jersey is producing some of the most complex financing situations in recent memory.

    Not Every Lender Will Go Here: The Real Work Behind Distressed Real Estate Financing in New York and New Jersey

    Read More
    Google Reviews 4.7
    ★★★★★
    (35 reviews)

    What our clients say

    AK
    Ashley Kaminski 2 years ago
    ★★★★★

    "My family was in a very tough position that was quite time-sensitive, and Sal and Moses truly came through and delivered great results. They were diligent, quick to respond, and knew what they were doing. Within 6 days, we were able to close on a loan."

    BA
    Brian Adamson 3 years ago
    ★★★★★

    "Nothing but good things to say about We Lend. They are sensitive to time when you submit a deal. Nathan has been my loan officer and he cares about his clients. He has helped me close several apartments. He goes above and beyond to make sure he is building a bridge for a successful closing."

    DB
    Dennis Brooks 3 years ago
    ★★★★★

    "This was my first experience using a private lender. I had a great experience, Jeff and Christian did exactly what they promised! I will be using WeLend again!"

    SS
    Sonya Simon 4 years ago
    ★★★★★

    "Guy Schmuel and the WeLend team were outstanding. The project was funded within 5 weeks from start to finish. The team provided constant communication which detailed each step of the process. I would highly recommend WeLend to any investor."

    NA
    Nathaniel Abramov 1 year ago
    ★★★★★

    "Very professional and great service."

    Leave us a review on Google →

    Take the first step today

    Experience the future of real estate lending. Don’t just get funded — get funded fast.

    Apply Now