Wilshire Finance Partners

Name

Wilshire Finance Partners

Legal name

Wilshire Finance Partners, Inc.

Website

https://wilshirefp.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Real Estate Bridge Lending

NAICS

Real Estate Credit (522292), Credit Intermediation and Related Activities (522), Other Financial Vehicles (52599)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Senior Secured Direct Lending (FSANADAA)

akta.pro secondary industries

Mezzanine / Subordinated Debt (FSANADAC), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Commercial bridge loans
• Senior housing financing
• Real estate private credit
• Trust deed investments
• Healthcare real estate lending

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Bridge Loan Interest Income: As a direct lender using its own capital, Wilshire generates revenue through interest payments on bridge loans secured by real estate. Loans range from $1 million to $10 million with fixed or variable rates.
2. WFP Income Fund Management: Wilshire serves as manager of the WFP Income Fund, WFP Income Fund REIT, and WFP Opportunity Fund. Revenue is generated through management fees from these pooled investment vehicles that invest in first trust deeds and mortgages.
3. Trust Deed Investments: Offers trust deed investments and mortgages to accredited investors seeking fixed income alternative investments secured by real estate. Generates fees through investment management and portfolio administration.
4. Mezzanine and Subordinate Debt: Provides mezzanine debt, second lien debt, and participating loans as subordinated financing options, generating interest income at higher rates reflecting increased risk.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Wilshire Finance Partners is a direct lender providing commercial real estate bridge loans ranging from $1 million to $10 million nationwide, with a deep specialization in senior housing, healthcare real estate, and multifamily properties. The firm funds loans using its own balance sheet capital without third-party approvals, allowing closings in weeks rather than months. In addition, Wilshire manages pooled investment vehicles (WFP Income Fund, WFP Opportunity Fund, WFP Income Fund REIT) that deploy investor capital into first trust deeds and mortgages secured by real estate.

Product overview

Wilshire Finance Partners is a private real estate finance and investment firm offering a comprehensive platform of loan products and investment vehicles. The core offering centers on commercial bridge loans from $1 million to $10 million for various property types including senior housing, healthcare real estate, multifamily, and commercial real estate. The company manages two primary fund vehicles: the WFP Income Fund (short-term fixed income private credit fund) and the WFP Opportunity Fund (debt and equity investment fund). Their flagship loan product is the ALF FlexBridge™ program specifically designed for assisted living facilities and senior housing. Additional specialized bridge loan products cover Medical Office Buildings, Student Housing, Warehouse/Industrial, Self-Storage, Mixed-Use, and various senior housing subtypes. The company also facilitates permanent financing through partnerships with Fannie Mae, Freddie Mac, HUD/FHA, and other institutional lenders. For investors, the platform offers trust deed investments, separately managed accounts, and mini-pools as alternatives to direct property ownership.

Differentiator

Problem solved

Functional benefit

Brands

• ALF FlexBridge: Fast, flexible bridge loan program tailored for Independent Living Facilities, Assisted Living Facilities, Memory Care Facilities, Continuing Care Retirement Communities, and other senior housing properties.
• WFP Income Fund
• WFP Opportunity Fund

Products and services

• Commercial Bridge Loans Short-term or interim financing solutions for commercial real estate properties ranging from $1 million to $10 million. Provides fast, flexible bridge financing from weeks to 3 years for acquisitions, renovations, refinances, and repositioning of unstabilized properties.
• ALF FlexBridge™ Trademarked fast, flexible bridge loan program for assisted living facilities and senior housing properties including Independent Living Facilities, Assisted Living Facilities, Memory Care Facilities, and Continuing Care Retirement Communities. Offers loans from $1 million to $10 million with terms of 6 to 36 months, up to 75% LTC, interest-only payments, and closing in weeks.
• Senior Housing Facility Loans Real estate loans for senior housing communities including memory care, continuing care retirement communities, age-restricted housing, independent living, and assisted living facilities (subtypes consolidated under this offering). Bridge loans from $1 million to $10 million and permanent financing from $1 million to $50 million.
• Multifamily Bridge Loans Bridge financing for multifamily and apartment properties ranging from $500,000 to $10 million. Used for acquisitions, renovations, cash-out refinances, and bridge-to-permanent financing with closing times of 15-45 days.
• Medical Office Buildings and Healthcare Real Estate Loans Bridge loans for medical office buildings and healthcare real estate properties including physician and dental practices, laboratories, dialysis centers, and other outpatient clinics. Loan amounts from $1 million to $10 million with terms up to 5 years.
• Student Housing Bridge Loans Bridge financing solutions for student housing properties ranging from $1 million to $10 million with terms up to 3 years. Properties must be in close proximity to universities and larger colleges.
• Warehouse/Light Industrial Bridge Loans Bridge loans for warehouse and light industrial properties ranging from $1 million to $10 million with terms up to 3 years. Covers acquisitions, refinances, and cash-out options for industrial real estate.
• Self-Storage Bridge Loans Bridge loans for self-storage facilities ranging from $1 million to $10 million. Covers facilities that serve both individual and commercial customers including ambient and climate-controlled storage.
• Mixed-Use Bridge Loans Bridge loans for mixed-use commercial real estate properties with multiple uses, such as residential apartment units over retail space. Loans range from $1 million to $10 million.
• WFP Income Fund A short-term private credit fixed-income investment fund designed to provide stable income and principal protection through investments in first trust deeds and mortgages secured by seniors housing, healthcare, multifamily, and commercial real estate. Maintains a stable NAV of $1,000 since inception in 2013.
• WFP Opportunity Fund Seeks to provide attractive risk-adjusted returns through debt and equity investments in real estate including direct and indirect equity investments, joint ventures, deeds of trust and mortgages secured by senior housing, healthcare real estate, multifamily, and commercial real estate.
• WFP Income Fund REIT Real Estate Investment Trust managed by Wilshire Finance Partners as part of the fund platform alongside the WFP Income Fund and WFP Opportunity Fund, holding real estate-backed debt investments.
• Trust Deeds Real estate-based private credit investment opportunities in trust deeds and mortgages for accredited investors seeking fixed income alternative investments secured by real estate. Loans are typically short-term with maturities between six months to five years and secured in a first-lien position.
• Permanent Financing Solutions Long-term financing options facilitated through strategic partnerships, including Bank, CMBS, Agency (Fannie Mae, Freddie Mac), HUD/FHA, Insurance Company, and SBA programs. Loan amounts range from $1 million to over $50 million with terms up to 35 years.

Quantifiable outcome

• 9.12% net annualized return for WFP Income Fund through September 2025
• +6 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• MBA (Mortgage Bankers Association)minorOthersIndustry association membership supporting the mortgage banking and commercial real estate finance industry. Wilshire participates in MBA programs and initiatives.
• FALA (Florida Assisted Living Association)minorOthersState-level industry association for assisted living facilities in Florida. Wilshire supports FALA's mission to promote quality senior living.
• ArgentumminorOthersNational association supporting senior living communities. Wilshire participates in Argentum programs for senior housing industry advocacy and networking.
• NIC (National Investment Center for Seniors Housing & Care)minorOthersOrganization providing research and analytics for seniors housing and care sector. Supports capital formation and market transparency in senior living.
• AIA Securities, LLCcoreStrategic or Co-development PartnerReal estate-focused investment banking firm where CEO Donald Pelgrim serves as CEO and Securities Principal. AIA Securities holds FINRA licenses and provides securities-related services under FINRA and SIPC.

Scale indicators8 records

Expansion highlights5 records

Direct peers

• CoreVest Finance: Blackstone-owned direct bridge lender for residential investors and small-balance commercial; comparable to Wilshire's direct balance sheet lending to real estate operators and broker-driven origination.
• Geneva Capital: Regional commercial bridge and private money lender for value-add and transitional real estate; overlaps with Wilshire's flexible underwriting for non-bankable scenarios.
• BridgeInvest: Private bridge lender for commercial real estate with collateral-based underwriting and a managed fund platform for accredited investors; highly comparable to Wilshire's bridge lending + WFP fund platform structure.
• Kennedy Funding: Direct hard money/bridge lender providing short-term commercial real estate loans secured by first-position mortgages, closely matching Wilshire's collateral-based direct lending model and ticket size range.
• Lima One Capital: Specialty bridge and rental lender for SFR and multifamily investors, acquired by Pretium Partners; directly comparable to Wilshire's multifamily and small-balance commercial bridge product set.
• A10 Capital: Direct CRE bridge and mezzanine lender serving middle-market sponsors with bridge-to-permanent solutions; comparable to Wilshire's mix of senior secured and mezzanine debt products.
• Mesa West Capital: Private balance-sheet CRE bridge and permanent lender focused on middle-market transitional assets; comparable to Wilshire in collateral-based underwriting and direct origination without intermediated capital.

Broad incumbents

• Walker & Dunlop: Large CRE finance platform with agency, bridge, and capital markets capabilities; competes for some of Wilshire's borrowers at the larger end and offers the same bridge-to-permanent pathway Wilshire uses with Fannie/Freddie/HUD.
• JLL Capital Markets: Global CRE investment bank with debt placement, equity placement, and bridge lending capabilities; broader incumbent that competes for larger senior housing and healthcare financing mandates.
• Newmark: Major commercial real estate services firm with debt and equity origination; competes for institutional senior housing and healthcare capital stacks that Wilshire bridges to permanent financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Wilshire_FP
• Facebookfacebook.com/wilshirefp
• LinkedInlinkedin.com/company/wilshirefinancepartners

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wilshire Finance Partners