IDK what he uses or knows of but this exists.
There is risk sure but you hedge it by spreading out the money in multiple deals, and going through a company with current proven results who is willing to open the books to you.
If you have a lot of money to invest youre on a different level.
OP I can chat and talk to you and anyone else who has that kind of money. We would work with syndicating small amounts in a large number of finance/lending products.
So you take OPs example 50k, you put $500 into 100 deals asap (deals might be anywhere from 10k-100k). This reduces risk, as some of the deals will default. You spread it out.
The deals all payback at max 80 days terms usually, 4 months.
Ideally you will see a 5% return in 4 months then do it again ideally flip it 3-4x in the year, you can even loan it and reduce risk for a 15-20% return yearly.
2 months to see a return not really though.