Let’s address the big “what if.”
What if a borrower doesn’t pay? What happens to your money?
It’s a smart question, and one we’re proud to answer transparently.
At Fluent, every investment is secured by a first and second position mortgage. That means if something goes wrong, if the borrower stops paying, delays the project, or defaults, you’re not left guessing. You’re first in line to get paid back.
Here’s how it works:
Once a borrower defaults, Fluent begins the legal recourse process. We don’t wait around hoping for a solution, we take control of the property the loan is secured against.
This allows us to:
- Take over the asset
- Sell the property
- Recover the invested capital and distribute it back to you
This process is handled through our legal team and in coordination with trustees, and because the loan was backed by real property from the beginning, there’s a tangible asset available to support your investment.
Also, we don’t fund just any loan. Every deal is carefully underwritten with conservative loan-to-value ratios, often 75% or less, which means the property would have to drop significantly in value before your principal is at risk.
Even in a worst-case scenario, we’re positioned to act fast and recover.
So yes, investing carries risk. But with Fluent, that risk is planned for, structured, and managed, never left to chance.
Want to see how our deals are structured for security?
We’re happy to show you.