Is your capital tied up in your real estate investments, making it difficult for you to expand even though you’re cash flow positive?

Nectar has built a solution to this exact problem, providing cash flow-based financing that experienced owners and operators can use to grow without sacrificing equity. 

Keep reading to find out if you fit the criteria for Nectar financing and to learn more about how our product can help you expand your real estate portfolio.

Who Nectar Funds

Nectar’s financing solution is cash flow-based, which means we primarily look at the net cash flow a real estate operator generates, unlike most traditional financing sources. Our ideal client is an experienced real estate owner or operator who’s already generating cash flow, not someone who is just starting out. 

More specifically, these are the criteria we look for:


  • 3+ years of experience owning or operating rentals
  • A cash flow positive portfolio with 12+ months of stabilized performance 
  • A U.S.-based business 
  • Less than 75% portfolio-level LTV 


  • An established business entity 
  • A dedicated business bank account 
  • A professional bookkeeper for your business

We also want to see that you are pursuing a high-ROI opportunity. This could be anything from making a down payment on a new property, to repairing a current property, to hiring new team members, to refinancing high-cost debt. 

Learn more about some of the most common use cases for Nectar.

Who Nectar Doesn’t Fund

Nectar works well with a wide variety of asset classes and business models. However, we do not currently provide funding to investors in retail, office, or industrial real estate.

We also don’t work with first-time real estate investors or investors with less than 3 years of experience. We’re best equipped to help experienced operators looking to keep growing, so if that sounds like you, make sure to apply! 

How Nectar Benefits Your Business

If you meet the criteria listed above, then congratulations! You’re most likely a great fit for Nectar. But we also want to make sure that we’re right for you and your business goals. Here are some of the added benefits of taking on Nectar financing:

  • Flexible capital
  • Performance-based application 
  • No liens on properties
  • Monthly payments
  • 7-day close (once all underwriting diligence has been received)
  • No impact to personal credit or DTI
  • Keep your equity
  • No credit report trade lines 

Don’t Let Liquidity Slow You Down 

If you meet the criteria above and are ready to access fast, flexible working capital, then what are you waiting for? Whether you’re looking to make a down payment on a new property, refinance high-interest debt, fund renovations, furnish new units, or expand your team, Nectar can be the trusted partner you’ve been looking for. 

Apply for Nectar financing today to unlock your portfolio’s potential. We’ve made it easy to get started, simply answer some questions and submit your 12-month trailing P&L with debt service included. We’ll send over some sample terms and work with you to make sure they fit your needs. 

And even if you don’t quite meet our criteria yet, we’re here for you! Subscribe to Nectar News for resources that will help you grow your portfolio faster, and then apply when you’re ready.  Wherever you are in your journey, we’re here to help you grow!