Step 1 of 8 · Property

✓ Free✓ No strings attached✓ No credit pull✓ No SSN, no ID⏱ About 8 minutes

What's the property, and who lives there?

Lenders price the asset first. Occupancy decides whether this is a business loan we can arrange.

Financing type

Property address

Add the full street address, including city and state.

State

Property type

Units or suites

Enter at least 1.

Who will occupy the property?

Step 2 of 8 · Borrower

Who's behind the deal?

Track record and reserves unlock leverage. Credit is your choice: a soft check, your own report, or nothing yet.

Your name

We need a name to open the file.

Email

Enter an email like name@company.com.

Mobile (optional)

Use 10 digits, e.g. 216-555-0142.

Deals completed, last 36 months

Cash reserves after closing

Residency (some programs depend on it)

No credit information needed. This is a free preliminary review of your deal. We don't pull your credit, and we don't ask for your Social Security number or ID. If your request prequalifies, a licensed third-party provider runs the credit and background checks, only after you give your separate written consent. We'll tell you before anything is run.

Your credit, roughly (optional, your own estimate, never checked now)

Step 3 of 8 · Loan request

What are you asking for?

Rough numbers are fine. You can change them any time before you submit.

Purpose

Loan amount

Enter a loan amount of at least $50,000.

Preferred structure

Target closing

Use of proceeds (refi / cash-out)

Step 4 of 8 · Financials

Price, rents and expenses.

The panel on the right recalculates as you type, using the same formulas lenders use.

Purchase price

Enter the price or value.

Existing loan payoff (refinances)

Renovation budget

After-repair value (value-add)

Gross rent / month (in place)

Vacancy & credit loss (%)

Enter a percentage from 0 to 60.

Operating expenses / month (taxes, insurance, utilities, repairs, management)

Step 5 of 8 · Documents

What we'll ask for, and why.

Nothing is required to prequalify, and we never ask for ID or credit here. Attach what you have now, or wait for the secure vault after you submit.

Files stay on your device until you submit. Then they upload to a private, encrypted vault that only you and our team can open, through links that expire in 5 minutes. Every upload is logged.

Step 6 of 8 · Ownership & entity

Who owns the borrowing entity?

Most lenders want the loan in an LLC or corporation, and guarantees from owners of 20% or more.

Entity name

Add the entity name, or write "to be formed".

State of formation

Owners

Each guarantor gets their own secure link to authorize their own soft check. We never take someone else's personal details from you.

Step 7 of 8 · Review & authorize

Check it, then sign off.

Each box is a separate agreement. Optional means optional. It changes nothing about how we treat your file.

What happens next

We review your deal, free, usually within one business day.
If it prequalifies, we show you which lender types fit and why.
Only then, and only with your separate written consent, a licensed third-party provider runs credit and background checks.
No fee unless your loan closes. You can stop at any point, no strings attached.

Anything else about the deal? (optional)

We never ask your race, religion, national origin, sex or marital status, and none of them affect which lenders see your file.

Next: your portal. When you submit, you'll create your wilfolio login (or sign in if you have one). That's where you'll track this request, upload documents, message the team and ask Stella, our AI guide, about any step.

Step 8 of 8 · Submitted

Request received. Reference

Continue to the full application Open my deal room