Name

Winter & Company

Legal name

Winter & Company

Website

https://winterandcompany.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Commercial Mortgage Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

akta.pro secondary industry

Agency (GSE) Multifamily Lending (FSALADAD)

Keywords

• Commercial mortgage advisory
• Co-op underlying mortgages
• Construction financing
• Multifamily real estate lending
• Bridge loan arrangement

Headquarters

HQ city

Sag Harbor

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

Revenue model

1. Mortgage Advisory and Arrangement Fees: Winter & Company generates revenue by arranging and advising on commercial mortgages for co-op boards, developers, and non-profit organizations. The firm earns fees for structuring financing solutions including underlying mortgages, construction loans, development financing, and bridge loans for transactions typically above $10 million. Revenue is generated on a transaction basis, with the firm serving as an intermediary between borrowers and lenders.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Winter & Company is a commercial mortgage advisory firm that arranges and structures financing for cooperative boards, real estate developers, and non-profit organizations. Core services include co-op underlying mortgages, construction and development loans, multifamily and mixed-use property financing, and non-profit organization financing, typically on transactions above $10 million. Short-term bridge loans are facilitated through affiliate W Financial Fund, LP.

Product overview

Winter & Company is a commercial mortgage advisory firm offering a portfolio of financing services rather than a unified software product. The core offerings include: Co-op Underlying Mortgages (advisory and arrangement of mortgages for cooperative buildings), Construction and Development Financing (for luxury condominiums and rental properties), Multifamily and Mixed-Use Property Financing, Non-Profit Organization Financing, and Bridge Loans (via affiliate W Financial). The firm addresses all components of the capital stack including equity participations and joint ventures. Founded in 1989 and based in New York, the company works with a network of lenders including banks, CMBS lenders, pension funds, insurance companies, agency lenders, and private lenders.

Differentiator

Problem solved

Functional benefit

Brands

• W Financial: Direct private lender for short-term bridge loan scenarios and quick-close loan situations. An affiliate of Winter & Company co-founded in 2003 by Gregg Winter.

Products and services

• Co-op Underlying Mortgages
• Construction and Development Financing Arrangement of construction loans for residential condominiums and rental properties. Services include ground-up development financing, gut-renovation conversions, and sourcing joint venture equity partners for development projects, primarily in NYC downtown Manhattan and Brooklyn.
• Multifamily and Mixed-Use Property Financing Investment property financing for multifamily and mixed-use properties nationwide, including permanent loans, bridge financing, and construction lending for apartment buildings, leveraging the firm's nationwide lender network.
• Non-Profit and 501c3 Organization Financing Mortgage financing and advisory services for non-profit organizations throughout the Tri-State area, including adaptive re-use rental properties and cultural/arts facilities. The firm identifies lenders receptive to non-profit missions and structures financing accordingly.
• Bridge Loans Short-term bridge loan services for transitional properties and time-sensitive scenarios, including multifamily and mixed-use acquisitions, development site purchases, partner buyouts, and assemblages. Facilitated through affiliate W Financial Fund, LP, a direct private lender, with lending in major markets nationwide.

Quantifiable outcome

• Successfully arranged hundreds of co-op underlying mortgages since 1989
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• CBRE Capital Markets: Largest global CRE services platform with a debt origination practice that arranges co-op, multifamily, and construction financing. Broad incumbent competitor in the same underlying lender-intermediation model.
• Newmark Group: Major CRE services platform with a debt and structured finance practice covering investment sales, multifamily, and co-op lending. A broad incumbent peer that competes with Winter & Company on larger, more institutional mandates.
• JLL Capital Markets: Global CRE services firm with a large debt advisory practice arranging multifamily, co-op, and construction financing. Overlaps with Winter & Company on advisory origination but operates at far greater scale and product breadth.
• Marcus & Millichap: CRE investment sales and financing platform with a capital markets practice arranging multifamily and investment property debt. Comparable intermediation model across the same borrower segments, though broader in scope.

Direct peers

• Meridian Capital Group: NYC-based commercial mortgage brokerage arranging multifamily, co-op, and construction financing. Directly competes with Winter & Company in the NYC co-op underlying mortgage and multifamily refinancing market.
• Eastern Union Funding: Commercial real estate mortgage brokerage arranging debt for multifamily, mixed-use, and investment properties. Comparable to Winter & Company in deal-sourcing and lender-intermediation model.
• Greystone & Co. Greystone is a leading CRE/multifamily finance advisory and lender covering agency (Fannie/Freddie), CMBS, and bridge lending. Directly comparable to Winter & Company in arranging large multifamily and co-op-style financing for owners and developers, and is a similarly broad lender-network intermediary.
• Walker & Dunlop: Large CRE finance platform originating and servicing agency multifamily, co-op, and construction loans. Comparable to Winter & Company in the multifamily/co-op debt space, though significantly larger and publicly traded.
• Cooper-Horowitz, Inc. NYC-based mortgage brokerage specializing in cooperative underlying mortgages and multifamily financing. Closest direct peer to Winter & Company in the niche of co-op board advisory and underlying mortgage placement.

Emerging players

• A10 Capital: CRE bridge and permanent lender focused on multifamily and investment property debt. Comparable to Winter & Company and its W Financial affiliate in originating bridge and transitional CRE loans, though on a larger direct-lending platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Winterandcompany

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Winter & Company