Bridge / Transactional Loans
Accelerate Constructions
N-Flux™ is a fast capital for flips,
builds, and transitions.
Receive these benefits:
- No income documentation required
- Covers up to 60% of land cost and 85% of construction costs
- Short-term loans (typically 12–18 months, interest-only payments)
- Available for new builds, renovations, or property transitions
- Funds can be used for spec builds (build-to-sell) or build-to-rent projects
- Option to delay the first borrower payment for up to five months
- SFR (single-family) and Build-to-Rent financing available
- Fast approvals: conference call within 24 hours and pre-qual in 24–72 hours
Why Choose
N-Flux™?
N-Flux™ provides investors with the short-term capital they need to complete builds, fund flips, and seize opportunities quickly.
Who Should Apply?
N-Flux™ is dedicated to:
Fix-and-flip investors needing quick access to capital
Builders financing ground-up construction or speculative builds
Developers transitioning between projects while waiting for long- term financing
Investors purchasing properties that need renovations before refinancing or selling
Business entities (LLCs, Corps, Trusts) looking for funding without personal income documentation
Eligibility
- Minimum credit score of 680+ required
- Loans can be issued under an LLC or other business entity
- Draw fees range from $150–$250 per stage as work is completed and approved
- Requires a licensed General Contractor (GC)
- Typical closing timeframe: 25–45 days
Frequently Asked Questions
1.Why choose N-Flux™ instead of a bank loan?
Banks typically require extensive documentation, income verification, and reserve funds. However, N-Flux™ offers rapid access to capital so you don’t miss time-sensitive opportunities.
2.Why do I need a General Contractor license to qualify?
A licensed General Contractor ensures that projects comply with building regulations. It also helps streamline inspections and draw approvals, keeping the funding process on schedule.
3.Why are draw fees required?
Draw fees cover inspections that confirm each stage of construction is complete before funds are released. This protects your investment by ensuring the property’s value improves as capital is disbursed.
4.Why can’t I use N-Flux™ for my primary residence?
These loans are structured for investment purposes only. Regulations for consumer mortgages differ, so N- Flux™ is tailored for builders and investors to grow their portfolios.
5.Why is there an option to delay the first payment?
Delaying payments up to five months helps investors focus on getting the project started without immediate cash flow pressure. It provides breathing room until the property is further along or generating income.
6.What happens if my project finishes ahead of schedule?
The beauty of bridge loans is that they have no prepayment penalties. If you sell or refinance faster than expected, you can close out early without extra costs.
7.Can I roll project soft costs into the loan (like permits or origination fees)?
Often, yes. Certain soft costs may be included in the loan structure to reduce your upfront expenses.
