Nectar provides cash‑flow‑based financing for experienced real‑estate investors, converting the monthly operating cash flow of professional property entities into liquid capital without hard credit pulls, personal credit impact, or liens on assets. Advances of $200 K to $3 M are funded within seven days and offered with flexible 1‑5 year terms and monthly amortizing payments, enabling owners to acquire new properties, fund renovations, refinance debt, or cover business expenses while retaining equity control.
Funding
$28.5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
AV+2Founders
Product
Problem
Experienced real‑estate owners often have substantial property equity tied up in operating assets, yet traditional lenders require hard credit pulls, high debt‑to‑income ratios, or collateral liens, limiting access to capital for new acquisitions, renovations, or debt refinancing.
Solution
Nectar offers cash‑flow‑based financing that converts the monthly operating cash flow of professional real‑estate entities into liquid capital without affecting personal credit or imposing liens on properties. Investors submit a 12‑month profit‑and‑loss statement and connect bank accounts for underwriting; qualified entities receive an advance ranging from $200 K to $3 M, with funding possible within seven days. The product provides flexible terms of 1–5 years, monthly amortizing payments, and a performance‑based structure that preserves the sponsor’s equity stake. By focusing on cash‑flow rather than traditional credit metrics, Nectar enables seasoned operators to acquire additional assets, fund strategic renovations, refinance high‑cost debt, and cover business‑related expenses while maintaining control of their portfolio.
Target Audience
Primary customers are experienced multifamily, hospitality, commercial, and long‑term rental investors who have at least three years of professional operating experience and own cash‑flow‑positive U.S. real‑estate entities.
Features
- Cash‑flow‑driven underwriting using monthly P&L data and bank‑account integration
- Fast funding timeline: funds wired within 7 days after document submission
- Advance sizes of $200 K–$3 M per entity with 1–5 year amortizing terms and monthly payments
- No hard credit pull, no impact on personal credit scores or debt‑to‑income ratios
- No liens on underlying properties; equity remains with the sponsor
- Two program options: Nectar Equity (equity partnership with buy‑out) and Nectar Advance (pure cash‑flow advance)
- Soft credit pull and performance‑based fees; optional origination fee payable at closing