FOSTERING FINANCIAL OPPORTUNITY
We speak your language.
Fluent Capital Lending Inc. (the ‘Fund’) is a limited partnership comprised of a diversified portfolio of select private mortgages in the Greater Toronto Area and other Southern Ontario urban centers.
Mission
Our Fund’s objectives are to preserve unitholder equity and provide consistent, strong monthly distributions to investors through diligent mortgage investment selection and management.
Strategy
Through conservative investment focused on short-term, low loan-tovalue, residential 1st mortgages, the Fund targets to preserve capital with a highyield return to investors.
Vision
The creation of an institutional alternative direct lending company that has the mindset of an entrepreneurial lender.
This gives borrowers the flexibility and confidence they need to make their dreams become a reality.
Risk Management
Fluent Capital’s rigorous underwriting and risk management processes ensure stable, consistent performance through market cycles.
Why Become an Investor?
Here are five reasons why investors should consider adding investing with Fluent to their portfolios.
Cash Flow - Passive Income
Earn 8–12% annually by lending to home buyers at higher interest rates than banks.
Risk Mitigation
Mortgage investments focus on debt, not real estate ownership, reducing liability. Each mortgage is backed by property, minimizing risk.
Investment Portfolio Diversification
Adding mortgages to your portfolio enhances diversification, balancing risk-adjusted returns across geography and mortgage types.
Non-Correlated with Public Markets
Mortgage investments are uncorrelated with public markets, offering stability amid stock market fluctuations and reducing portfolio volatility.
Ideal For Retirement Planning
Mortgages provide passive income and are eligible for RRSP, TFSA, and RRIF, making them a strong option for retirement planning, independent of stock market cycles.
