Standard commercial real estate brokers charge 1% to 3% of your loan amount — every single loan, every single time you borrow. On a $5 million loan, that's $50,000 to $150,000 in broker fees you'll never see again. 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.
We have 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 the network is growing every week.
The reason this matters: every commercial real estate deal is different. The right lender for a multi-family acquisition in Texas is not the right lender for a hospitality bridge loan in Florida. The right lender for a developer with a 12-property track record is not the right lender for a first-time investor.
With most brokers, you get whoever they have a relationship with — typically a handful of lenders. Your deal gets squeezed into whatever fits their network.
With our 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. Risk profile.
That's the difference between a broker who has lenders — and an advisory that has a network.
The Lifetime Membership is the better economic decision for anyone doing more than one commercial real estate loan over their career. The Test Drive lets you experience the service before committing to membership.
Pay a single lifetime membership fee. One time. In exchange, you receive:
Membership tier is assigned during application review based on your investor profile, projected deal volume, and typical loan sizes.
For:
Fix-and-flip investors, single-family rental investors, smaller commercial deals typically $200,000 to $750,000 per loan, investors doing 3-10 deals per year.
For:
Active commercial investors, smaller developers, typical loans $1,000,000 to $10,000,000, investors doing 3-8 deals per year.
For:
Multi-property operators with $300M-$400M+ in outstanding debt, established developers, typical loans $10,000,000 to $100,000,000+.
For:
Billion-dollar developers, master-planned community sponsors, resort projects, mega-developments. Engagement structures are custom and built around your specific project pipeline.
| Tier | Profile | Fee |
|---|---|---|
| Investor | Fix-and-flips, rentals, $200K-$750K loans | $7,500 - $10,000 |
| Active Investor | Active commercial, $1M-$10M loans | $25,000 |
| Established Developer | $10M-$100M+ loans, $300M+ portfolio | $50,000 |
| Institutional | $100M+ projects, billion-dollar developers | Custom Strategic Partnership |
Even at our maximum 50 basis points, you save 75-85% LESS than what every other broker charges. Test the service before committing to a Lifetime Membership tier.
| Loan Amount | Standard Broker (2%) | WFA Max (50 bps) | Savings | WFA Min (10 bps) | Max Savings |
|---|---|---|---|---|---|
| $1,000,000 | $20,000 | $5,000 | $15,000 | $1,000 | $19,000 |
| $5,000,000 | $100,000 | $25,000 | $75,000 | $5,000 | $95,000 |
| $10,000,000 | $200,000 | $50,000 | $150,000 | $10,000 | $190,000 |
| $25,000,000 | $500,000 | $125,000 | $375,000 | $25,000 | $475,000 |
| $50,000,000 | $1,000,000 | $250,000 | $750,000 | $50,000 | $950,000 |
| Investor Profile | Tier | 10-Year Loan Volume | Standard Broker Total (2%) | WFA Membership | 10-Year Savings |
|---|---|---|---|---|---|
| Active Investor | Active Investor | 12 loans × $3M avg | $720,000 | $25,000 once | ~$695,000 saved |
| Established Developer | Established | 25 loans × $15M avg | $7,500,000 | $50,000 once | ~$7,450,000 saved |
| Major Developer | Established | 40 loans × $25M avg | $20,000,000 | $50,000 once | ~$19,950,000 saved |
Lenders charge their own fees — origination, processing, underwriting, broker premium fees. Most brokers pass these on without negotiation because they get paid by lenders on top of what you're paying them. The lender's fees aren't their problem.
We do not work that way. When we package your deal, we negotiate lender fees on your behalf:
This is included in every Lifetime Membership tier and the Test Drive.
Our 10,000+ lender network covers every commercial property type:
Class A, B, C, medical, urban and suburban
Shopping centers, strip malls, anchor-tenant retail, 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, expansion projects
Vertical mixed-use, urban infill, transit-oriented development
Medical, data centers, parking, religious, educational
Resort communities, large-scale mixed-use (Institutional Tier)
Most commercial loan brokers operate on a transactional model. They charge 1-3% per loan because they assume each client is a one-time transaction. They have no incentive to think long-term.
We built We Finance America on the opposite premise. Sophisticated commercial real estate investors and developers are professionals doing business for decades. They deserve a placement partner whose incentives are aligned with theirs across that entire career — not just on a single transaction.
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 get compensated by our lender partners on closings — at no additional cost to you.
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 Test Drive minimum loan size of $1,000,000 applies only to per-loan Test Drive pricing. Lifetime Membership tiers have no minimum or maximum loan size.
Savings calculations are illustrative based on standard industry broker fees of 2% (mid-range of typical 1-3% market norms). Actual savings vary by individual transaction.
During the 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 tier adjustment. The lifetime nature of your membership doesn't change.
That's the Institutional tier. Standard membership pricing isn't the right structure. Call us for a confidential conversation about a custom Strategic Partnership.
No. We earn the membership fee upfront and receive additional compensation from our lender partners on closings — at no cost to you. The business 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.
A 3-minute application puts you in front of our 10,000+ lender network with the lowest placement fees in America.
Complex situation? Call (786) 321-7366. Mon-Fri, 9am-5pm Pacific Time.