Nectar
Nectar is a fintech platform and working capital marketplace founded in 2021 by Derrick Barker and Brittany Mosely. The company specializes in providing flexible, cash-flow-based financing to professional real estate investors. Nectar primarily offers small balance mezzanine debt and preferred equity to entrepreneurs with low-leverage, cash-flowing properties, helping them access equity in multifamily and short-term rental markets without giving up ownership. Nectar's core product is a cash advance that allows borrowers to sell a portion of their net cash flow. This innovative approach eliminates traditional loan features such as interest, liens, and maturity dates, making it easier for borrowers to manage their financing. The platform utilizes AI for underwriting investments of up to $2 million per property and connects accredited investors to real estate opportunities, offering predictable returns backed by low-leverage assets. Headquartered in Atlanta, Georgia, Nectar serves a diverse range of experienced rental owners and operators across various property types.