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We Lend LLC

We Lend LLC is a private real estate lender headquartered in New York that provides business-purpose financing for real estate investors nationwide. The company specializes in bridge, fix-and-flip, ground-up construction, DSCR, and commercial real estate loans, with direct in-house underwriting and a focus on fast closings.

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. We provide investors with real estate loans from in 46 States coast to coast. As former real estate 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.

  • Fix & Flip Loans: Up to 90% acquisition and 100% rehab costs. Close in 5-7 days with no bank statements or tax returns.
  • Rental Property Loans (DSCR): Tailored for income-generating properties. Simplified qualification based on cash flow.
  • Ground-Up Construction Loans: 90% land acquisition and 100% construction funding. Perfect for new developments.
  •  Bridge Loans: Flexible, short-term financing solutions for quick closings and seamless transitions.
  •  Multifamily Loans: Financing for 5+ units, ideal for expanding your portfolio.
  •  Vertical & Horizontal Expansions: Maximize property value by adding more units or square footage.

Please note: We do NOT offer loans secured by owner-occupied homes.

▶ Watch Short Videos About We Lend

Common Loan Scenarios
  • Fix and Flip Loans
  • Rental Property Loans (DSCR)
  • Ground-Up Construction Loans
  • Bridge Loans
  • Multifamily Loans (5+ Units)
  • Vertical & Horizontal Expansions
Scenarios Not Considered
  • 100% Financing
  • Gap Funding
  • Junior Liens (2nd's)
  • Owner-Occupied Homes

Details and Requirements

Loan Amounts

$150,000 to $15,000,000

Interest Rates

10.75% to 12%

Origination Fees

1.5% to 2%

Loan Terms

6 to 18 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

600+ FICO score required. No past bankruptcy or foreclosures allowed, except for our Foreclosure Bailout refinance bridge loans.

Minimum Credit Score Required

600

Prepayment Penalty

yes

Prepayment Penalty Details

We only charge a prepayment penalty on DSCR loans.

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
Maximum Units for Multifamily Properties

65

Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Loan Application
Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Equity Joint Venture

yes

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Last updated: July 31, 2026

We Lend LLC’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$103,639,497

12mo Loan Count

124

Total Loan Volume

$431,062,678

Average Loan Size

$501,236

Loan Count by State (Past 12 Months)
NY: 80, NJ: 26, CT: 7, MA: 2, FL: 3, PA: 3, IL: 2, OH: 1
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 2018
  • Headquarters: Richmond Hill, New York
  • Founder & CEO: Ruben Izgelov
  • Company Type: Private real estate lender
  • Capital Sources: Primarily family-backed private capital; also manages a private debt fund for accredited investors
  • Loan Structures: Direct balance sheet lending
  • Loan Types: Bridge Loans, Fix & Flip Loans, Ground-Up Construction Loans, DSCR Loans, Commercial Bridge Loans, Asset-Based Loans
  • Property Types: Single-family, Multifamily, Mixed-use, Commercial, Retail, Office, Industrial, Investment Properties
  • Geographic Focus: Nationwide (currently lending in 46 states), with deep experience in the New York metropolitan market
  • Primary Customers: Real estate investors, developers, and real estate brokers
  • Funding Volume: Management team has originated more than 1,250 loans totaling over $525 million
  • Typical Closing Time: As little as 1–3 business days
  • Minimum Credit Guideline: Generally 620 FICO, with asset-based underwriting and flexibility depending on the transaction

Office Locations

8810 136th Street, Suite 1, Richmond Hill, NY 11418

Connect with We Lend LLC:

Our Team

Ruben Izgelov

Co-Founder/Managing Partner

Info Our minimum loan amount is $150,000

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