About Us

W Financial was formed in 2003 by experienced real estate professionals who have been successfully making and servicing bridge loans for over 20 years, facilitating partner buyouts, providing renovation or construction funds and responding to special situations where a fast closing is essential. 

We understand the issues that can stop many banks in their tracks, and we can see the hidden value that some transactions offer and find a way to work with you, the Borrower, to find an effective way to structure your deal. 

Commercial loans provided by W Financial are intended to be a short-term solution that will, for example, enable the purchase and improvement of a vacant, distressed, or non cash-flowing property, or refinance to help stabilize and improve a property prior to a sale or a conventional bank refinancing.

In some cases we are able to structure solutions blending private money with conventional bank financing in order to achieve a higher loan to value ratio than would otherwise be possible.  We have inter-creditor agreements in place with several banks and conventional lending institutions which minimizes our turnaround time for such mezzanine transactions.   In these situations, the W Financial loan is repaid within a year or two, either by means of surplus cash flow or through an earn-out based on increased cash flow provided by the first mortgage lender, leaving the borrower with a long-term, bank or securitized mortgage with a very low interest rate.

In other cases, an opportunity may present itself that requires a buyer to close within 30 days with no mortgage contingency. Closing with W Financial will "de-stress" the transaction and give the buyer/borrower plenty of breathing room to arrange optimal, low-rate conventional financing.

Our ability to provide "one-stop shopping" solutions which combine second mortgage or mezzanine financing with low-rate, bank financing can be an effective tool for many of our borrowers.

Because Gregg Winter, Principal, is also the President of Winter & Company Commercial Real Estate Finance, W Financial is uniquely positioned to offer advice to our borrowers about permanent financing. In fact, W Financial will never make a bridge loan without first identifying a viable exit strategy either via a conventional refinancing or, depending upon the borrower's business plan, the marketing and sale of a property.