Call (03) 9847 7689Private Credit Fund
Enjoy Secure Capital and Stable Income with a Private Credit Fund Investment
*Past performance is not an indicator of future returns
Servicing Australia-wide
Private Credit Fund Investments with a Difference
PSA Capital Investments is Australia’s premier private lender for profitable small to medium businesses, offering secure, high-yield private credit fund investment opportunities for sophisticated and wholesale investors.
Private Credit Fund Facts
Backed by unparalleled financial acumen and actively managed by a team of investment professionals, the PSA Capital Investments private credit fund offers investment opportunities that fit into your defensive portfolio and deliver high returns while prioritising the security of capital.
*at Trustees Discretion
Eligibility
Liquidity
Increasing Cash Returns & Preserving Security of Capital
Our private credit fund strategy is focused on creating a diverse investment portfolio across a broad range of borrowers and industries, particularly commercial and real estate loans. This has helped PSA consistently meet target returns and keep the Capital Buffer fully intact, so you can be confident you’re making a smart and secure investment.
Our private credit fund investments offer stable monthly income across all market conditions of the RBA cash rate + 4.50% p.a.
The PSA private credit fund prioritises capital preservation with a diversified and defensive credit investment strategy.
We have a Capital Buffer 10% co-investment by PSA Capital Investment to benefit investors and provide income priority.
Lower Risk Investing
While the nature of investing requires a certain level of risk, our private credit fund investments are a low-risk opportunity, ideal for pre-retirees and risk-averse investors. We prioritise capital preservation by:
- Requiring security and asset backing of at least 160% on all credit loans
- Providing a Capital Buffer 10% co-investment by PSA Capital Investments
- Allowing redemptions within 3 months after 12 months invested
- Not engaging in consumer credit lending
- Offering loan terms that allow borrowers to pay back debts sooner and exit faster, meaning less risk to investors
- Outsourcing all legal matters and collections, ensuring less risk to PSA and it’s investors
Stable Income & Secure Investments
Increasing your returns whilst maintaining security of capital can be a hard task, but at PSA Capital Investments, it’s what we specialise in. With high returns far above competing private lenders, PSA’s private credit fund investments provide:
- Outstanding ROI
- Excellent security of capital
- Low-risk opportunities
- A defensive portfolio strategy
- Rigorous risk evaluation processes
- Unparalleled financial acumen
Why Choose Us
Respectful
Our clients are top priority at PSA, we always strive to provide a respectful experience that delivers the best possible outcome and gets clients where they want to go.
Experienced
PSA’s team are some of Australia’s most experienced finance professionals. We offer tailored advice and expert guidance so you can guarantee the best return as quickly as possible.
Ethical
PSA brings a caring and human approach to lending. All services follow strict regulations and ethical business
practices to ensure fair terms and great returns.
Reliable
PSA works in the best interests of both borrowers and investors. Our ethos is to employ a trustworthy, transparent, savvy and conscientious approach, always.
Frequently Asked Questions
What is private credit investing?
Private credit investing involves providing capital to borrowers through a private lender, offering an alternative to traditional banking finance. Investors earn returns from interest payments on these loans.
How does investing with a private lender work?
Investors contribute capital to a private credit fund or directly to individual loans. The private lender then lends these funds to borrowers, generating returns through interest payments and fees.
What are the benefits of investing in private credit?
Private credit investments can offer higher yields than traditional fixed-income assets, portfolio diversification, and regular income through interest payments. Our rigorous risk assessment processes also ensure exceptional security of capital.
What are the risks involved in private credit investing?
As with any investment, risks include borrower default, economic fluctuations, and liquidity constraints. However, our private credit funds mitigate risk as much as possible by securing loans with an asset backing of at least 160% and a Capital Buffer 10% co-investment from us.
What happens if a borrower defaults on a loan?
In the event of a default, the private lender will take enforcement action to recover the outstanding loan amount by selling the secured assets if necessary.
What kind of returns can I expect?
Returns vary based on loan terms, risk profiles, and market conditions. However, our investors can expect to see returns averaging over 8% per annum.
How often are returns paid out?
Interest payments are distributed on a quarterly basis.
What is the minimum investment amount?
Minimum investment amounts vary depending on the fund structure, but we actively seek investment from sophisticated and wholesale investors. Contact us for specific details.
How long is my capital locked in?
Investment terms vary, but our private credit investments have long-term liquidity.
Are there any tax implications for my investment?
Disclaimer: The information contained in this document is of a general nature only and has been prepared without taking into account your objectives, financial situation or needs. Before making any investment decision you should consider obtaining professional investment advice that takes into account your personal circumstances and should read the current Information Memorandum (IM). The IM is available at request. Neither the Investment Manager nor PSA Capital Investments Group or any member in its group guarantees repayment of capital or any particular rate of return from the Fund. All opinions and estimates included in this document constitute judgments of the Investment Manager as at the date of this document and are subject to change without notice. Past performance is not a reliable indicator of future performance. The value or return of an investment will fluctuate and an investor may lose some or all of their investment. Whilst the Investment Manager believes the information contained in these materials are based on reliable information, no warranty is given to its accuracy and persons relying on this information do so at their own risk. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. Statements contained on this fund page that are not historical facts are based on expectations, estimates, projections, opinions and beliefs of the Investment Manager as at the date of this document. Such statements involve known and unknown risks, uncertainties and other factors, and should not be relied upon in making an investment decision. These views may not necessarily reflect the views of PSA Capital Investments Group or any member in its group. Any references in this document to targeted or projected returns of the Fund are targets only and may not be achieved.
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