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Smart Private Credit for Real Estate Growth

Accelerate your real estate projects with fast, customized private credit solutions. Unlock flexible financing tailored to the needs of real estate investors and developers. Whether you're acquiring new properties, funding construction, or expanding your portfolio, our private credit solutions provide quick access to capital with competitive terms and a seamless funding process.

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Trusted by leading companies

Real Estate Financing for Developers & Investors

Bridge Loans

Short-term capital for quick acquisitions, construction projects, or refinancing, offering flexibility while securing long-term financing.

Fix & Flip Loans

Fast, asset-based funding designed for real estate investors looking to renovate, improve, and resell properties for maximum profitability.

Construction Loans

Scalable financing solutions for ground-up developments, large-scale commercial projects, and residential construction, ensuring seamless project completion.


Multifamily & Commercial Loans

Tailored funding for apartment complexes, office buildings, mixed-use properties, and retail spaces, supporting long-term investment growth.

Mezzanine & Preferred Equity

Hybrid capital solutions that provide additional leverage for developers seeking to maximize project returns without full equity dilution.

Institutional-Grade Financing

Billion-dollar funding solutions for large-scale real estate portfolios, REITs, and institutional-level developments requiring high-capacity capital.

📊 Key Metrics That Set Us Apart

$500M+
Funding – Scalable Solutions
10 Days
Fast Closings – Fast Access
80%
LTV – Custom Financing

Who We Work With

Partnering with real estate professionals to unlock growth opportunities with tailored private credit solutions.

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Real Estate Investors

Funding solutions to acquire, renovate, and scale investment properties with competitive financing options.

Developers

Custom capital for new construction, large-scale developments, and value-added projects to maximize returns.

Commercial Property Owners

Flexible financing for office buildings, retail centers, and mixed-use properties to optimize cash flow and expansion.

Fix & Flip Professionals

Fast and reliable funding to purchase, renovate, and sell properties quickly for maximum profit.

Institutional Investors & Family Offices

Private credit investment opportunities with strong yields and risk-adjusted returns in real estate markets.

High-Net-Worth Individuals (HNWIs)

Exclusive access to private lending and real estate-backed investments tailored to wealth-building goals.

What Sets EFLOW Capital Apart

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Tailored Financing Solutions

We customize financing structures to align with the specific needs of real estate investors and developers. Whether you require bridge loans, construction financing, or mezzanine capital, we offer flexible terms, competitive rates, and up to 80% LTV to maximize leverage and returns. Our creative funding options ensure you get the capital needed to execute your vision successfully.

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Speed & Efficiency

Timing is everything in real estate. Our streamlined underwriting and approval process allows us to fund projects quickly—often within weeks—so investors and developers can move fast on acquisitions, developments, or refinancing. With minimal red tape and a focus on execution, we eliminate delays that could cost you opportunities.

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Deep Industry Expertise

With decades of experience in private credit and real estate financing, we go beyond just providing capital. Our team offers strategic insights, market intelligence, and financial structuring expertise to help clients navigate challenges and optimize their investments. From risk mitigation to maximizing asset value, we partner with you for long-term success.

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Explore Real Success Stories – Read Our Case Studies

See How Our Private Credit Solutions Drive Real Estate Growth – Read Our Case Studies

Our Proven 8-Step Financing Process

Seamless, transparent, and efficient—our step-by-step approach ensures real estate investors and developers secure the right financing with speed and confidence.

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Initial Inquiry

Reach out to us with details about your project, and our team will assess your financing needs and eligibility.

Consultation & Strategy

We discuss your investment goals and structure a tailored financing solution that aligns with your project requirements.

Pre-Approval & Term Sheet

Receive a customized term sheet outlining loan terms, rates, and conditions, providing clear expectations before moving forward.

Document Submission

Submit necessary documentation, including property details, financials, and borrower information, for underwriting.

Underwriting & Due Diligence

Our team conducts a thorough review of your project, assessing risk, feasibility, and compliance for swift approval.

Final Approval & Commitment

Once underwriting is complete, we issue the final loan commitment, locking in your funding terms.

Closing & Fund Disbursement

Loan documents are signed, and funds are released, allowing you to move forward with your investment.

Ongoing Support & Future Financing

We stay engaged, offering portfolio guidance, refinancing options, and future funding opportunities to scale your success.

Investor Portal – Track, Manage & Grow Your Wealth

Access your investments, monitor returns, and explore new opportunities—whether you're an existing investor or looking to get started.

FAQs – Private Credit Real Estate Financing:

Who qualifies for private credit financing?

We work with real estate investors, developers, and businesses seeking flexible funding solutions. Eligibility is based on project viability, asset value, and borrower experience rather than just credit scores.

What types of properties do you finance?

We finance residential, commercial, and mixed-use properties, including multifamily units, office buildings, retail spaces, industrial properties, and new developments.

How much financing can I receive?

Loan amounts vary based on project size and LTV (Loan-to-Value). We offer financing up to 80% LTV, with higher leverage options available through mezzanine or preferred equity structures.

How long does the funding process take?

Our streamlined process ensures fast approvals, with funding typically available in as little as 7-14 days for bridge and fix-and-flip loans, and 30-45 days for larger development projects.

What are the interest rates and repayment terms?

Interest rates are determined based on loan type, risk profile, and market conditions. We offer flexible repayment terms, including interest-only options, to fit your investment strategy.

Do you require personal guarantees?

While some loans may require personal guarantees, we also offer non-recourse financing options where the asset itself serves as collateral.

Can I get financing if I have limited experience?

Yes, but terms may vary. First-time investors may qualify with strong assets, a solid business plan, or by partnering with experienced developers.

What documents are needed to apply?

Typical requirements include property details, financial statements, project plans, and borrower experience. Our team provides a tailored list during pre-approval.

Do you offer refinancing options?

Yes, we provide refinancing solutions for existing debt, cash-out refinancing, and restructuring to optimize your investment returns.

How do I get started?

Simply fill out our online application or contact our team to discuss your project. We’ll guide you through the process and help you secure the best financing for your needs.

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About EFC

EFLOW Capital LP (EFC) is a leading private credit provider, offering tailored financing solutions for businesses. From direct lending to asset-backed loans, we deliver flexible capital to fuel growth, innovation, and long-term success.

With a deep understanding of alternative investments and structured financing, EFC also provides investors with high-yield, secured opportunities designed for stability and after-tax cash flow (ATCF) optimization. Our commitment to transparency, risk management, and strategic lending ensures both businesses and investors benefit from sustainable, long-term financial success.

Apply for Private Credit & Real Estate Financing

Get fast, flexible funding tailored to your real estate investment needs.

The Private Credit Edge Podcast

EFLOW Capital  podcast show
Investing • Entrepreneurship • 20 episodes
EFLOW Capital podcast show
Latest episode
Show notes
The Future of Business Lending: Why Private Credit is Taking Over in 2025 In this episode, we dive into how private credit is reshaping business financing, why traditional banks are losing ground, and what this means for investors and entrepreneurs. Hear expert insights on the opportunities in direct lending, asset-backed financing, and the future of alternative investments.
Why Private Credit Is The Smartest Move In A Shaky Market
2025-04-16
21 min
EFLOW Capital Private Credit Fund I: The Ultimate Guide To Investing In 2025
2025-04-10
21 min
Maximize Your Wealth with Alternative Investments
2025-04-07
20 min
Tariffs, Fear & Flight: Why Smart Money Is Moving To Private Credit
2025-04-05
19 min
More episodes

Latest Updates from EFC: Stay informed with our press releases, media features, portfolio news, and more.

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