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Debt Program

WCG provides a wide array of loan programs to match your particular financing requirements. Our financing resources are some of the most extensive in the industry, allowing us to offer the best financing terms available in the marketplace.

Choosing a loan program requires an understanding of your investment goals. Some investment goals are: short term or long term financing, maximum transactional flexibility, maximize transactional cash flow, property repositioning, and quick close, to mention a few.  Investment goals must be matched with the most suitable loan program for a project to achieve its maximum transactional efficiencies.  WCG’s debt loan programs include fixed rate, adjustable rate, interim financing, private money, and participating loans.  By matching your investment goals with the correct loan program we are sure to structure financing terms that best meet your projects transactional goals. In meeting these goals we rely on our capital network which includes Life Insurance Companies, Pension Funds, Conduits, Banks, Private Lenders, Institutional Investors, Individual Investors and Professional Funds. Many of WCG’s debt programs focus outside the realm of traditional lenders, allowing real estate owners, operators and developers to meet their needs for time sensitive and complicated transactions where certainty of execution provides a substantial financial advantage. Loans can be secured by the majority of property types including office buildings, multifamily buildings, warehouses, retail strip centers, shopping centers, hotels, mixed use properties, land, mobile home parks, health care properties, assisted living properties, medical office buildings, and property portfolios.

Program Parameters

Eligible Locations:
Nationwide and some International

Property Types:
Majority of property types including Office, Retail, Industrial, Multi-Family, Hotel, Self-Storage, Mixed-Use and Mobile Home Parks.

Loan Amount:
$500,000 to Unlimited

Loan Term:
1,3,5,7,10,15, 20, 25, or 30 year term

Up to 30 years (shorter amortization may be required based on property type and use).  Interest Only possible and considered on a case-by-case basis.

Loan to Value/Cost:
Up to 80% of Appraised Value or Cost – Certain transactions such as Credit Tenant Lease transactions may increase total capitalization up to 100%.

Minimum 1.15x DSCR on. Mezzanine debt may be permitted up to a 1.0x DSCR.

Origination Fee:
Par – 2% of Loan Amount

Expense Deposit:
Amount sufficient to cover third party reports.  May vary according to transaction.

Creditworthy individual(s) or entity with sufficient liquidity and net worth.

Both recourse and non-recourse options available.  Non-recourse transactions will potentially include the exception of industry standard “bad boy” carve outs.

Permitted subject to approval and an assumption fee

Determined on a case-by-case basis

Typical Uses: 
Acquisitions, Pre-Development, Construction, Recapitalization, Refinancing, DIP Financing, Liquidity Management, Asset/Liability Management