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Wholesale/Wholetail Loans

What Are Wholesale / Wholetail Loans?

Wholesale and wholetail loans are built for investors acquiring properties that need minimal updates before resale. Instead of a heavy rehab project, wholetail deals often involve light cleaning, minor repairs, or strategic repositioning to capture retail buyer interest.

West Johnson Lending offers short-term capital that allows investors to purchase undervalued homes quickly and resell them with minimal time and effort. These loans provide the speed and flexibility needed to capitalize on margin-rich opportunities.

Why Investors Choose Wholesale / Wholetail Loans

Wholetail financing helps investors secure deals that don’t require full renovations but still offer strong returns.

With simplified underwriting, fast closings, and private lending capital, West Johnson Lending ensures your project stays efficient, low-risk, and well-funded from acquisition through resale.

Program Highlights

Our wholesale / wholetail program supports investors targeting fast-turn, light-rehab, and retail repositioning opportunities.

Key highlights include:

  • Ideal for light repairs, cleaning, and quick resales
  • Fast, flexible approval process
  • Short-term capital designed for quick turnarounds
  • Competitive leverage and simple terms
  • Great option when full renovation financing isn’t required
  • Perfect for capturing spreads on retail repositioning

When Wholetail Financing Works Best

Wholetail deals shine when the property needs minimal work to hit the market.

West Johnson Lending funds acquisitions quickly so you can clean, repair, stage, and relist with maximum efficiency. For investors targeting speed over heavy construction, wholetail loans provide the ideal structure.

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Ready to Fund Your Next Deal?

Submit your deal or connect with our lending team to get fast, straightforward approval from a true direct lender—no brokers, no delays, and no monthly payments during your project.

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