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Fast Liquidity Expedited eXecution
Our AI-driven underwriting compresses what used to take weeks into minutes — enabling term sheets nearly instantly and funding within 24–48 hours.
Emergency bridge · 50% LTV · Light file
F.L.E.X. 50™ — Fast capital when timing matters
Borrow up to 50% of your property's value with a light-documentation file. Get real terms in 5 minutes from a direct lender, with a soft credit pull that won't impact your score.
Funded in as little as 48 hours once title is clear. No minimum FICO. First-position lien. Business-purpose real estate only.
- Max LTV
- 50%
- Rate
- 15.00%
- Lender fee
- 5.00%
- Fastest fund
- 24-48 hours
What this is
What is F.L.E.X. 50™?
F.L.E.X. 50™ is a short-term emergency bridge loan that provides up to 50% of the property's value with a light-documentation file. Use it when a bank cannot close in time, a payoff is due, or the deal cannot wait. Funding can happen in as little as 24-48 hours once title is clear.
No tax returns, W-2s, or bank statements are required.
F.L.E.X. 50™ is designed for short-term bridge needs, not long-term rental financing. If you plan to hold the property as a rental, a DSCR loan may be a better fit.
Published pricing
What does F.L.E.X. 50™ cost?
See the pricing before you apply—not after. The light-file option has a 15.00% interest rate and a 5.00% lender fee.
You qualify based primarily on the property and the deal, rather than a full traditional credit and income file.
| Standard short-term | F.L.E.X. 50™ | |
|---|---|---|
| Interest rate | Starts at 10.99% | 15.00% fixed |
| Lender fee | 1.50% at closing | 5.00% at closing |
| Fee when the loan ends | 0.50% | 0.50% |
| Maximum loan to value | Set by the property and your experience | Up to 50% of the property value |
| Documents | Standard document set | Fewer documents — no tax returns, W-2s, or bank statements |
| Minimum credit score | 660 for the experience grid | No minimum FICO |
Why Borrowers Choose F.L.E.X. 50™
Fast Liquidity Expedited eXecution — built for when traditional lenders freeze, stall, or walk away.
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Minimal Documentation
No tax returns. No W-2s. No bank statements. If the asset has value and you have a clear exit strategy, we can move.
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Purpose-Built for Emergent Situations
F.L.E.X. 50™ is designed for the moments when traditional lenders freeze, stall, or walk away. We step in when timing is critical and outcomes depend on speed.
Program Highlights
Up to 50% LTV. Flat 15.00% rate. 5.00% lender fee. 12-month prepaid interest reserve. First-position lien. No minimum FICO. Funded in as little as 48 hours once title is clear.
- Max LTV
- Up to 50%
- Interest Rate
- Flat 15%
- Origination
- 5.00%
- Interest Reserve
- 12-month prepaid
- Lien Position
- First-position lien required
- Minimum FICO
- No minimum FICO
- Closing Speed
- 24–48 hour funding once title is clear
- Documentation
- AI-powered underwriting with minimal documentation
- Property Types
- Nearly all commercial and investment-purpose real estate — multifamily, SFR portfolios, retail, hospitality, industrial, land, specialty assets, and cash-flowing businesses
Is F.L.E.X. 50™ Right for Your Deal?
Eligible for nearly all commercial and investment-purpose real estate. Review criteria before applying.
Eligible
A fit for this program
- Commercial and investment-purpose real estate
- Multifamily, SFR portfolios, retail, hospitality, industrial, land, and specialty assets
- Cash-flowing businesses with collateral value
- Clear title — funding in 24–48 hours once title is clear
- Emergent, time-sensitive, or distressed scenarios
- Asset has value and borrower has a clear exit strategy
- Any credit profile (no minimum FICO)
Not eligible
Outside this program
- Consumer-purpose loans
- Deals where we cannot hold first-position lien
- RV parks and mobile home parks (see Non-QM program)
ITIN and foreign-national investors are a borrower type, not this loan type. See ITIN & foreign national loans.
When F.L.E.X. 50™ Makes the Difference
Built for urgent, time-sensitive, or distressed situations where traditional financing cannot move fast enough. When the deal cannot wait, F.L.E.X. 50™ provides a fast path to capital.
Urgent Payoffs
Prevent default with immediate liquidity.
Auction Purchases
Close in days, not weeks.
Rescue Capital
When another lender backs out last minute.
Distressed Refinance
Stabilize or reposition quickly.
Partner Buyouts
Execute without forced sales.
Bridge-to-Sale
Liquidity while marketing the asset.
Bridge-to-Stabilization
Lease-up, finish work, or reposition.
Cash-Out for Business Expansion
Unlock trapped equity fast.
Acquisition Liquidity
Secure the next asset immediately.
Frequently Asked Questions
Everything you need to know about the F.L.E.X. 50™ program.
Minimal documentation. No tax returns, W-2s, or bank statements. Clear title, property info, entity documents, proof of liquidity, and a clear exit strategy.
Once title is clear, we can fund in 24–48 hours — as little as 24 hours in expedited scenarios. Our AI-driven underwriting generates term sheets in minutes, not weeks.
F.L.E.X. 50™ is priced for speed and a light file — not a long hold. You get a published 15.00% rate and a 5.00% lender fee, fewer documents, and no minimum FICO. The tradeoff is a 50% LTV cap.
No minimum FICO requirement. We underwrite the asset and the exit strategy — not just the borrower.
Yes. Many borrowers use F.L.E.X. 50™ as emergency financing, then refinance into a commercial bridge, DSCR, or Non-QM program once the file can carry more leverage.
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
See terms on the deal
Apply in two minutes. Soft credit pull. Real terms in 5 minutes. A light file, up to 50% LTV, funded in as little as 48 hours once title is clear.
- 50%
- Max LTV
- 15.00%
- Rate
- 48 hrs
- Fastest fund