Debt Programs | Mezzanine Financing | Bridge Financing | Equity Capital | Structured Financing | Cost Segregation
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, so we can 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, long term, flexibility, maximize cash flow, turn-around property, fast funded, money partner, etc... Coupled with the right loan program: fixed rate, adjustable rate, interim loan, private money, participating loan, etc... we are sure to structure financing terms that best meet your projects requirements. Our capital partners include Life Insurance Companies, Pension Funds, Conduits, Banks, Private Lenders, Institutional Investors, Individual Investors & Professional Funds. 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 execution provides a substantial financial advantage. Loans can be secured by virtually every type of property including office buildings, apartments, warehouses, retail, shopping centers, hotels, mixed use property, land, mobile home parks, health care, assisted living, medical buildings, portfolio acquisitions and development opportunities.
Debt Loans
Loan Size: $100k to $100 million plus
Maturity: Up to 30 years
Amortization: All
Security: 1st lien.
LTC: Up to 100%
Interest Rate: as low as 5.7%
Upfront Fees: Between 0% and 3%
Lockout: Negotiable
Equity Participation: None
Closing: As fast as 2 weeks
Property Types: All
Recourse: Non-Recourse/Recourse
Uses
Acquisitions
Construction
Refinance
WCG provides mezzanine financing collateralized by either a direct lien on the underlying real estate or a lien on the ownership interests in the real estate. Loans range from $1 million to $75 million and are typically for a term of up to 10 years. WCG programs are very flexible and are used to bridge the gap between traditional debt financing and sponsor equity in a project. WCG’s mezzanine financing repayment can be structured from interest only to fully amortizing. WCG’s mezzanine financing can be used by owner/operators of real estate to (i) complete new acquisitions or build-to-suit developments, (ii) acquire certain equity interests of limited partners in existing partnerships, or (iii) to develop commercial projects which are positioned to produce income within a reasonable period of time.
Mezzanine Loans
Loan Size: $1 million to $75 million
Maturity: Up to 10 years
Amortization: All
Security: 100% pledge of ownership, 2nd lien
Inter-creditor agreements are typically required.
LTC: Up to 95%
Interest Rate: as low as 10%
Upfront Fees: Between 2% and 3%
Lockout: Negotiable
Equity Participation: None
Closing: As fast as 2 weeks
Property Types: All
Recourse: Non-Recourse/Recourse
Uses
Acquisitions
Construction
Recapitalizations
Repurchase of Borrower’s Existing Debt
Refinance asset based lenders
WCG provides bridge financing collateralized by a senior lien on the underlying real estate. Loans range from $1 million to $75 million and are typically for a term of 1 to 3 years. WCG’s bridge programs are very flexible can be used for numerous transactional goals including value add and quick close transactions.
Bridge Loans
Loan Size: $1 to $75 million
Maturity: Up to 3 years
Amortization: All
Security: 1st Mortgage lien
LTC: Up to 85%
Interest Rate: as low as 10%
Upfront Fees: Between 1% and 3%
Lockout: Negotiable
Equity Participation: None
Closing: As fast as 2 weeks
Property Types: All
Acquisitions
Recapitalizations
Construction
DIP Financing
WCG also has established relationships with some of the largest private equity, institutional equity, pension funds, hedge funds and venture capital firms in the United States. Real estate equity capital is available in many formats: Joint Venture, Limited Partner, Mezzanine Financing, Junior Debt, and Participating Mortgages, etc... The purpose of real estate equity capital is to bridge the gap between available debt financing and the total cost of a particular real estate project.
WCG offers both institutional and private capital for real estate projects enabling our clients to make the best choice in capital structuring (real estate equity) for the following types of properties: Residential & Commercial Land Developments, Residential Housing Developments, Commercial Developments, Valued Added Commercial Properties, Credit Tenant & Single Tenant Properties, Apartment Projects, Industrial Parks, Retail Properties and Office Buildings.
Equity Capital
Capital Size: $2 million to $50 million
Maturity: Up to 5 years
Security: 100% pledge of ownership
LTC: Up to 95%
Interest Rate: as low as 13% dependent upon structure
Upfront Fees: Between 3% and 5%
Equity Participation: Varies
Closing: Typically 4 weeks
Property Types: All
Recourse: Non-Recourse
Uses
Acquisitions
Construction
Development
Structured Finance
Structured finance is best defined as financially engineering the proper blend of debt, equity, synthetic, derivative and hybrid capital in order to resolve particular transactional needs that cannot readily be met by conventional senior financing. WCG provides advisory services to the commercial real estate industry and our structured finance practice serves owners/users that require the best in commercial real estate expertise to maximize their return on investment, assets, equity and operations. WCG combines solid business logic and real estate expertise to find the right capital solutions for your projects.
Engineering Based Cost Segregation
You Paid for Your Building, Now Let Your Building Pay You!
You can substantially increase your cash flow and reduce your federal income tax liabilities by utilizing a powerful tax planning tool (created and approved by the IRS) called cost segregation. Cost segregation is an effective strategy that allows commercial real estate owners to analyze the structure of the building and re-classify the assets within the building resulting in accelerated depreciation. This reclassification creates a number of short and long term benefits, the most important of which may be a substantial increase in your cash flow.
Since the IRS published the cost segregation audit techniques guide in 2004, thousands of commercial property owners have utilized this strategy to create millions of tax dollars in tax benefits. Historically, Fortune 500 companies with the assistance of their “big four” accounting firms were the only commercial property owners taking advantage of this program.
Now, we offer this highly beneficial service through one of the nation's leading provider of engineering-based cost segregation studies.
Step One – to Qualify for These Benefits:
Cost segregation can be applied to existing property and renovations, as well as planned ones, as long as the property was placed into service or purchased after December 31, 1986. Any additional depreciation not taken in the previous years can be deducted in the year of the study.
- Do you own a commercial property with a minimum value of $500,000?
- Do you operate as a “For-Profit” entity?
- Do you pay federal income tax?
Step Two- Have one of our qualified representatives Conduct an Evaluation of Your Property at
No Cost to You.
With some basic property information, we can provide a no cost, no-obligation initial analysis, which will show you your anticipated benefit and our flat fee. You can decide whether or not to go forward with the study based upon the expected return on investment.