Direct Private Lender for Florida Real Estate Investors

WLW Capital offer a variety of loans to property investors in West and Central Florida – bridge, equity cash out, fix & flip, fix & lease, ground-up construction. As a direct lender, we take a common sense approach to our underwriting with all approvals made in-house. WLW can pre-approve your deal within 24-hours of receiving a completed application. We value our industry relationships and protect our brokers for their valuable referrals. Our company is committed to the highest level of customer service, as our success is directly related to our industry relationships.

Please note: we do not offer loans secured by owner-occupied homes.

Property Geographic Area Details

All Major Metros in Florida EXCEPT Miami, Ft. Lauderdale, Pensacola

Loan Amounts

$20,000 to $2,500,000

Interest Rates

10% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 6%

Loan Terms

12 months to 24 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Business Working Capital
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Auto Dealership
  • Car Wash
  • Condominium
  • Gas Station
  • Golf Course
  • Manufactured Home
  • Mobile Home Park
  • Multifamily
  • Parking Lot
  • Portfolio of Commercial Properties
  • Ranch
  • Residential Land
  • Senior Housing
  • Single Family Residence
  • Sports Facility

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Land Loan

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land

Will Consider Land That is NOT Entitled


Existing Land Improvements Required

  • Street Access

Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Borrower must have a cash down payment of at least 30% of the purchase price. We do not allow seller financing or other junior liens for our purchase loans.

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Maximum After Repair Value


Construction Loan

Borrower/Builder must contribute 30% of the total construction costs.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Payment Structure Details

No prepayment penalty. Principal payments to be made in $25,000 increments minimally with 30 days notice

Pre Payment Penalty


Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Due Diligence Fee

$550.00 to $950.00

Application fee.This is collected, after terms are agreed upon by Lender and Borrower, per the application and preliminary term sheet. Once terms are agreed, the application fee is collected, title is ordered, and WLW team will schedule and perform an onsite inspection with 24-48 hours to underwrite and produce a final term sheet.

Inspection Fee

Home evaluation fee paid at closing. $300 for a single family residence evaluation fee. This is in replacement of an appraisal fee. If multiple properties collateralized, evaluation fee may increase.

Title Fee

Payment to title at closing.

Exit Fee

$500 admin fee.

Renovation Construction Draw Fee

Inspection fee per draw

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Due Diligence Fee
  • Inspection Fee
  • Title Fee
  • Exit Fee

Fees which are charged upfront prior to loan closing

  • Due Diligence Fee

Fees which are paid to a third party company

  • Title Fee

WLW Capital, LLC, is a private real estate equity company established in 2015 to provide time sensitive bridge financing for real estate investors to fund the purchase of non-owner occupied residential and commercial properties.  This dual platform was a consequence of the lack of financial liquidity in our credit markets and increased federal regulation of the banking industry restricting conventional financing as an option for investors in Florida’s fast moving and competitive real estate market.  As West Central Florida’s premiere direct private lender, WLW Capital assists its investors in filling this void.

As a direct private equity lender, WLW Capital takes a commonsense approach to underwriting and extending its loans to qualified borrowers, with all approvals made by the in-house team members of our company.  WLW Capital is dedicated to providing quick and rapid responses to time-sensitive loans, oftentimes, closing these transactions in as few as 10 business days from the initial application.  At WLW Capital, we value our industry relationships and protect our brokers for their valuable referrals.  Our company is committed to the highest level of customer service, as our success is directly related to our industry relationships.

Year Established


Office Locations

Corporate HeadQuarters
602 Channelside Drive, Tampa, Florida 33602

Jacksonville Office
218 Broad Street, Jacksonville, Florida 32202

Melbourne Office
461 Second Avenue, Satellite Beach, Florida 32937

Primary Capital Source

  • Own Funds

Alternative Capital Sources

  • Individual Investors

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • A/B Note Participation with Private Investor

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Real Estate Development

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


Billy Williams


William Williams

Managing Partner

Before You Contact Us

Our Minimum Loan Amount Is


What We Do

  • Properties in Florida only
  • Up to 70% LTV or LTARV
  • 30% Cash Required for Purchase Loans

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Homes
  • NO 2nd Mortgages

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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Add links to photos here.


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