iPartners Credit Investment Fund

The iPartners Credit Investment Fund offers investors a diversified portfolio of high-yielding private credit assets, targeting a 9–10% return per annum net of fees.

The fund invests in asset-backed securities, corporate credit, and property debt, seeking high-quality investments that deliver superior risk-adjusted returns. iPartners leverages its deep expertise in structuring and executing transactions, coupled with dedicated sourcing and assessment of proprietary deal flow.

With over seven years of experience in private lending, iPartners provides wholesale investors access to institutional-grade investment opportunities across the alternative asset spectrum.

The fund prioritises investments with strong asset backing and security, offering a $10,000 minimum investment and diversified asset exposure. Liquidity is facilitated through the iPartners platform’s secondary trading functionality. The experienced investment team and co-investment model further align the fund's interests with those of its investors.

The iPartners Credit Investment Fund targets a 9 – 10% return p.a. net of fees and offers a diversified portfolio of high yielding private credit assets including asset backed securities, corporate credit and property debt.

Across the spectrum of alternative assets, the Fund seeks high quality investments that can deliver a superior risk adjusted return. It does this through:

• Utilising the deep expertise of the Fund Manager, especially in structuring and executing transactions.
• Hard work in sourcing, reviewing and assessing deals.
• Proprietary deal flow, not generally available in the market.

The iPartners Private Credit Funds (Fund) were established to offer investors exposure to a diversified portfolio of primarily private company debt instruments and cash. By leveraging the Head Portfolio Manager’s experienced team and broad network, the Fund aims to target strong, risk adjusted returns across time by creating a high quality diversified and relatively liquid portfolio. 

iPartners was an early mover in private credit, being a private lender for over 7 years, with a commitment to investor access and liquidity. These features underpin the mandate of the Fund and mirror iPartners’ mantra - which is to provide wholesale investors with access to proprietary and institutional grade investment opportunities across the alternative asset’s spectrum. The Fund’s strategy is based on 6 key pillars:

1. Investing where there is a strong asset backing and security, to protect the downside.
2. $10,000 minimum investment and diversified asset exposure.
3. Liquidity and rebalancing for the Fund and investors through the iPartners platform secondary trading functionality at regular intervals.
4. A highly experienced and multidisciplinary Investment Team with deep networks, that cover every stage of the investment process.
5. Portfolio managers have skin in the game, aligning with investors.
6. A co-investment model granting Fund investors with priority allocations in private credit transactions.

There isn’t any strict definition of alternative investments, but we generally consider them to be investments in private markets as opposed to public markets.

Public markets include listed equities and bond issues from large corporates. They are characterised by:

1. Large size: The issuer and/or the issuance are typically large in size.
2. Well known issuers: Household names or familiar to financial markets.
3. Liquid: The pool of demand may be deep, individual holding sizes modest, the securities have a standard format and execution of transfers is relatively easy.

As a result, there is high demand for public market assets leading to higher valuations and lower yields. In the public credit market, this is evidenced by record low yields:

Investment grade → Low single digit returns

High yield → Mid-single digit returns

 Private markets include private debt and private equity. They are characterised by:

1. Smaller size: The issuers can be smaller and less well known.
2. Illiquid: The pool of demand can be limited, the issuance may be held by a single party, and transfers to other parties may not be easy.
3. Complexity: The transaction may be more complex, in a bespoke customised format with negotiated terms and a range of structural features and credit controls.

The benefits of investing in private markets include potentially higher returns for comparable risk, whilst reflecting illiquidity, complexity, and the extra work required in sourcing, assessing and structuring the transactions.

Some examples of private assets are described below:

Asset Backed Debt

Business earnings provide the primary credit support with secondary credit protection provided by security over specific assets, like a mortgage over a house. Secured assets include hard assets such as livestock and cars, and financial assets such as pools of consumer or business loans.

Property Debt

Property debt is secured over specific property including land, residential and commercial property.

Corporate Debt

These are typically unsecured loans provided to cashflow generating small to medium sized corporates.

Private Equity

Equity or equity-like investments in unlisted companies that are already operating with proven business models (i.e. not early-stage Venture Capital or Angel Investing).