One of the biggest questions we get is: “How do I know my money is safe?”
It’s a fair question. Investing always involves risk. But at Fluent, we believe the best way to handle risk is by planning for it. That’s why we’ve built our entire approach around protecting your capital, especially when the market feels unpredictable.
Here’s how it works:
When you invest through Fluent, your money isn’t going into the stock market. It’s being used to fund short-term mortgage loans that are backed by real property. This is called a first-position mortgage, which means if something goes wrong, you’re first in line to recover your funds.
However, before any deal is funded, it must pass through our rigorous due diligence process.
We assess:
- The value of the property (verified by appraisals)
- The borrower’s equity and exit plan
- The loan-to-value ratio (LTV), which shows how much risk is in the deal
Most of our loans are funded with LTVs of 75% or less, meaning the property would have to lose more than 25% of its value before your capital is at risk. That’s a significant buffer, and part of how we maintain a conservative lending approach.
We also look at who we’re lending to. We work with experienced borrowers, including real estate investors and business owners, who require access to short-term capital to complete a project, flip a property, or refinance. They’re not random applicants; they’re vetted partners with a clear plan.
So, what happens if something unexpected comes up?
Let’s say a borrower can’t make their payments. Because you’re in first position, we can take legal action to take control of the property, sell it, and recover the funds. It’s similar to how a bank would handle it, but in this case, you’re the bank.
While no investment is 100% risk-free, Fluent was built to minimize risk through transparency, real security, and conservative deal structure. We never fund deals we wouldn’t feel comfortable putting our own money into.
And here’s the best part:
While your investment stays protected, you earn monthly interest payments, so your money is working consistently while we handle the rest.
Whether markets go up or down, your capital is tied to a physical asset, not speculation. That’s why so many of our clients stay invested with us long-term.
If you’re tired of not knowing what your money’s doing, Fluent can offer something better: real returns with real safeguards.
Want to see how we’d protect your capital? Let’s Walk you through it.