Investors

Private credit is a form of enterprise funding where non-bank entities provide loans to private companies. It is an important form of finance predominantly for small to medium-sized businesses.

A private credit investment is made when an investor provides funds that constitute part or all capital of a loan or credit advanced. Investors in private credit earn income based on the interest payments on the loan. The loans are contractually agreed, the income is predictable and consistent.

Private Credit investing does not offer capital growth opportunities. Private credit investments are capital stable and return invested capital at conclusion of the loan term.

All loans are offered individually through a dedicated fund. The fund is structured as a unit trust and purpose-built to fund one specific loan only. Each offer is made through a loan specific information memorandum (IM) and application form.

Investors purchase units in the fund. Each investor is issued a unit certificate on clearance of invested funds and approval of Trustee. The unit certificate recognises the investors holding of units in the fund.

Investors have full transparency, segregation, and control of their investment decision knowing exactly which loan they’re investing into, what property secures it and how their returns are being generated and managed.

Each dedicated fund is a wholesale, unregistered managed investment scheme established to finance a single secured loan, backed by a first-ranking registered mortgage over Australian real estate.

At Credit Connect we offer Private Credit investment opportunities where your investment is applied to loans financing real estate and development activities, infrastructure projects, working capital for businesses or to simply purchase a property. Each loan is secured by a registered mortgage over Australian Real Estate.

Our investment terms typically range between 3 to 24 months. During the term, our investment opportunities give our clients the ability to receive a monthly interest distribution and the return of capital upon successful conclusion of the loan.

A Private Credit investment is capital raised from a private investor/lender lent to aborrower.

Private Credit investments are income generating, do not attempt to deliver capital growth, with capital preservation the primary focus. They are defined as a defensive investment.

As a lender, a private credit investor is entitled to be repaid its principal and interest in priority to equity. A private credit loan is typically secured against real estate assets and collateral.

The key risks of private credit investing are the possibility of a loan default and thefailure of the borrower to pay its required interest and capital.

These risksare mitigated by ensuring the borrower can service monthly interestpayments, a conservative loan to value (LVR) ratio exists providing a protective safetymargin should a mortgage need to be exercised. All investor should be a clearunderstanding of how loan proceeds have been directed.

Real Estate Secured private credit loans offer the security and core attributes whichallow for the repayment of investor capital and unpaid interest from the orderlyrealisation of the security provided.

• CCG provides a variety of Private Credit investment opportunities which allow investors the ability to build their investment portfolio.
• Receive regular monthly income paid to your nominated account at consistent target returns.
• Your investment is unitised funding Private Credit Opportunities secured by a registered first-ranking mortgage on Australian real estate.
• CCG has an expansive panel of independent professional valuers, who are engaged to provide assessments on all securitised property.
• Our investors know where funds are being lent and can make investment decisions based on the Information Memorandum provided with each loan opportunity.

To be eligible to invest in a CCG private credit opportunity, you must confirm your status as a Wholesale/Sophisticated Investor as defined in in the Corporations Act (Cth) 2001,Chapter 6D and 7.9.

• A certificate from a qualified accountant confirming you satisfy such requirements. In determining whether you satisfy the net asset or gross income test you can take into account the assets and income of companies and trusts which you control.
• You are a company or trust controlled by a person who meets the net asset or gross income requirement.
• You are a related body corporate of a company which is a wholesale client.
• You are a professional investor (as this term is defined in the Corporations Act).
• You are a sophisticated investor undersection 761GA of the Corporations Act as a licensee provides a written statement in accordance with requirements of that section that you are not required to be treated as a retail client for an investment in the Fund. You otherwise satisfy to us that you are not a ‘retail client’ for the purposes of Chapter 7 of the Corporations Act.

All investments carry risk. It is important to understand the risks that can affect your investment. Investments may not perform as expected and may not meet an Investor’s objectives, resulting in a loss of capital or income. There are some risks associated with investing, including loss of part or all of your capital and failure to receive a return on your investment.

Specific risk factors relating to a private credit opportunity offered by CCG are disclosed in each Information Memorandum (IM) accompanying the opportunity and should be considered before investing.

CCG was established in 2006 and specialises in Non-Bank Lending and Private Credit Investments in Australia. During this period, we have written over 509+ loans, where the gross loan amount advanced to borrowers is over $1.25 Billion. Over this time the average return paid to investors has been over 9%p.a. (past performance cannot be relied upon as a reliable indicator of future returns).

Credit Connect Capital Ltd holds Australian Financial Services License No. 230173 issued by the Australian Securities and Investments Commission (ASIC), Australia’s corporate and financial services regulator. Credit Connect Capital Limited and associated entities act as the Trustee for the individual funds and provides the Private Credit investment opportunities to investors.