We're producers who've been on the wrong end of slow, opaque lenders. WEC advances against the state tax credit your production has earned, with plain terms, fast answers, and no surprises at closing.
Apply for financingGeorgia, New York, and New Jersey give back a share of what you spend producing in the state. The catch is timing: the credit arrives months after you wrap, and your crew, vendors, and locations need paying now.
A bridge loan closes that timing gap. We advance up to 90% of the credit's value while you're still in production, secured by the credit itself. When the state pays out, the loan is repaid.
Built by producers, for producers.
Independent film lending has a reputation, and it's earned: terms that shift late, fees buried on page twelve, answers that take weeks. We've all been the producer on the other side of that call. WEC exists so you don't have to be.
Your term sheet lists every cost of the loan in plain English. If it isn't on the term sheet, you don't pay it.
Even when the answer is no. And if it's no, we'll tell you why.
What you agree to at term sheet is what you close on. No last-minute changes once you've said yes.
Tell us about the production: the budget, the credit, the timeline. About fifteen minutes, no packet required upfront.
We respond within 24 hours. Qualifying projects receive a term sheet within 48.
Sign the term sheet and we move straight into closing and funding.
Don't see yours? Apply and ask. We answer within 24 hours.
Any film or TV production that qualifies for a state tax credit: features, series, documentaries, scripted or unscripted. We lend against the credit, so the credit secures the loan, not the content.
Up to 90% of your expected tax credit, on productions with budgets up to $20 million. Our minimum loan is $250,000. Below that, closing costs take too much of the benefit.
Interest plus one origination fee. Every cost is listed on your term sheet in plain English. If it isn't on the term sheet, you don't pay it.
Before or during the shoot, once your financing closes. That's when the cash does the most good.
To start, your budget, your financing plan, and confirmation that the production qualifies for the state credit. CPA and legal documents come later, at closing.
No. We don't require one.
If the state pays late, interest keeps running until it pays, with no extension fees or penalty charges. If the final credit comes in lower than expected, the difference is yours to repay. We walk through both scenarios before you sign.
No. We're your lender, not your partner: no equity, no backend points, no say over the creative.
Yes. Our loan is secured only by the tax credit, so it works alongside equity, pre-sales, and bank financing.
Apply anyway. Those are the states we lend in today, and we'll give you a straight answer within 24 hours on whether we can help.
Applying doesn't commit you to anything. It starts the clock on a 24-hour response.
Apply for financing