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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
70.00%
Max Loan-To-Cost
70.00%
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
noExisting Land Improvements Required
- Street Access
Max LTV for Land
30.00%Max LTC for Land Acquisition
30.00%Purchase Loan
Max Loan-To-Purchase Price
70.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed 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
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
noMax LTC for Renovation Costs
70.00%Maximum After Repair Value
70.00%Construction Loan
Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
70.00%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesDetails and Requirements
Typical Closing Time (Days)
5Fastest Closing Time (Days)
3Works 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 noticePre Payment Penalty
no
Will lend to a foreign national
yes
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
noWill Consider Collateralizing Multiple Properties in One Loan
yesWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- Individual(s)
- LLC
- Limited Partnership
- Trust
- Corporation
Documentation Required
- Loan Application
Personal Guaranty (Recourse) Required
AlwaysCredit Check Required
noAppraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
Always Before FundingBroker Price Opinion (BPO) Accepted for Residential Property
NeverBroker Price Opinion (BPO) Accepted for Commercial Property
NeverFees
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
$125
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
2015
Office Locations
WLW Capital LLC602 Channelside Drive, Tampa, Florida 33602
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
100%
Company’s Other Business Activities Besides Private Mortgage Lending
- Real Estate Development
Percentage of Loans Secured by Commercial Property
30%
Percentage of Loans Secured by Residential Property
70%
Percentage of Residential Property Loans Which are Fix and Flip
50%
Percentage of Residential Property Loans Which are Buy and Hold
40%
Percentage of Loans Secured by Land
10%
Total Number of Loans Funded to Date
450
Total Loan Volume Funded to Date
$40,000,000
2017 Number of Loans Funded
150
2017 Loan Volume Funded
$14,000,000

Billy Williams
C.E.O.

William Williams
Managing Partner

David Clemens
C.O.O.
Our Minimum Loan Amount Is
$20,000
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
Our Minimum Loan Amount Is
$20,000
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