Equity, Debt & Structured Finance
Debt and capital-structure advisory for Southern California commercial owners through WCA Mortgage Brokerage, starting with a lender-fit read: which lender pools actually compete for your asset, and on what structure.
With Francisco Williams, CCIM. Call (213) 880-8107.
Overview
Most capital conversations start with a rate and end with a term sheet nobody reads closely until escrow. The questions that decide your outcome come earlier: what the capital stack should look like for this business plan, which lender pool actually competes for this asset class, and what the debt's exit looks like if the plan changes.
The honest scope first: lending and origination work runs through WCA Mortgage Brokerage — same desk, disclosed plainly. And when a deal is best served by a structure we don't run or a lender we can't reach, you'll hear that early, with a name to call instead.
The working method is underwriting each capital source against your specific deal rather than shopping one package everywhere. The two oldest stories on our track record are both capital-structure stories — a CMBS assumption marketed as the deal's structure instead of hidden from it, and a defeasance that delivered free-and-clear to a 1031 buyer who needed no debt at all. Debt strategy is exit strategy; it deserves to be decided first, not discovered in escrow.
Our Capabilities
Debt Origination
Agency, CMBS, bank, and portfolio lending across all property types
Equity Strategy
Capital-stack design and advisory on joint-venture, preferred, and institutional equity structures
Structured Finance
Mezzanine debt, bridge loans, construction financing, and complex capital stacks
Bridge-to-Permanent
Strategic transitional financing with clear paths to long-term capital
Our Process
How We Work
A disciplined, transparent approach from initial assessment through execution.
Assess
Analyze the asset, business plan, and capital needs
Structure
Design the optimal capital stack and financing strategy
Source
Access our deep lender and investor relationships
Execute
Negotiate terms, coordinate due diligence, and close
Integrated Platform
Related Services
Our divisions work together to deliver comprehensive solutions.
Frequently Asked
Questions about Capital Markets
Who can help me structure the debt on a commercial property in Los Angeles?
Francisco Williams, CCIM helps Southern California owners design the capital stack and source debt through WCA Mortgage Brokerage: bridge, construction, bridge-to-permanent and permanent structures across institutional, bank and private lender pools. The first deliverable is a lender-fit read, which pools actually compete for the asset and on what structure, before any application. Financing requires underwriting and lender approval; WCA does not provide securities placement services. Direct line (213) 880-8107.
How is WCA paid for arranging debt?
Compensation for arranging debt is set in a written engagement with WCA Mortgage Brokerage and disclosed before you sign; it depends on the structure, so it is not quoted here. The lender-fit read comes before any application: which lender pools compete for this asset class and business plan, at what structure, and what the realistic close timeline looks like. Rates, proceeds and terms are subject to lender underwriting and approval.
What types of financing can WCA arrange?
Through WCA Mortgage Brokerage, the team arranges debt across institutional, bank, and private lender pools — bridge, construction, and bridge-to-permanent structures — and advises on capital-stack design, including where joint-venture or preferred equity belongs in it. WCA does not provide securities placement services.
What property types and areas does the capital markets desk cover?
Multifamily, retail, industrial, office and mixed-use throughout Southern California, with selective national coverage for net-lease product. Francisco runs the underwriting on each assignment.
How does WCA decide on the capital structure?
By underwriting each capital source against the specific deal rather than shopping one package everywhere: the business plan sets the structure, the structure sets the lender pool, and the debt exit is decided before marketing. Two documented sales on the track record show why the decision matters: a Walgreens whose seller required buyers to assume its CMBS loan, marketed with that requirement as the structure of the deal, and a CVS whose owner chose defeasance and delivered it free and clear to a 1031 buyer who needed no debt. Francisco was an Investment Associate on the seller's team at a prior firm on both; Williams Capital Advisors was not the brokerage.
Is WCA a lender?
No. WCA does not lend its own capital. Debt is arranged through WCA Mortgage Brokerage with third-party lenders, and rates, proceeds and terms are subject to each lender's underwriting and approval.
How do I start?
Share the property address, the business plan and the current debt through the inquiry form on this page, or call the direct line, (213) 880-8107. The lender-fit read follows a review of the operating statements and rent roll.
Start with your property and decision.
Property address, business plan, current debt, operating statements, rent roll and financing timeline.
Francisco Williams, CCIM
Executive Vice President · Williams Capital Advisors, powered by Exp Commercial of California, Inc.
CA Broker Lic. DRE 01979442 · NMLS #1858674 · Williams Capital Advisors DRE 02030467 · Exp Commercial of California, Inc. DRE 02134436
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