Open for Investment

EBC Credit Income Fund

Senior secured private credit focused on high-quality metropolitan real estate, underpinned by disciplined underwriting and conservative risk management.

8%-10%
Target Return p.a.
$500K
Minimum Investment
Monthly
Distributions

Fund Overview

The EBC Credit Income Fund provides investors with exposure to a diversified portfolio of senior secured loans backed by high-quality metropolitan real estate.

Our disciplined lending approach focuses on capital preservation through risk-mitigated loan-to-value ratios, rigorous borrower assessment, and independent property valuations.

The fund targets experienced property developers and investors with strong track records, providing short-term financing for residential development, construction, and commercial property projects.

Key Features

  • First-mortgage security over all loans for enhanced capital protection
  • Conservative LVRs typically at or below 65%
  • Monthly income distributions to investors
  • Focus on metropolitan Sydney, Melbourne & Brisbane
  • Independent valuations on all secured properties
  • Flexible investment term options

Key Terms

Fund StatusOpen
Target Return8%-10%
Minimum Investment$500,000
Investment Term3, 6, 12 or 18 months
DistributionsMonthly
RedemptionsAt maturity (45 days’ prior notice)
StructureUnit Trust
Management Fee0.5% p.a.
Performance FeeNil
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Investment Process

1

Initial Enquiry

Contact our team to discuss your investment objectives and receive the Information Memorandum.

2

Review Documents

Review the IM and all fund documentation. We're available to answer any questions.

3

Complete Application

Submit your application form along with required identification and wholesale investor certificate.

4

Start Investing

Once approved, transfer funds and begin receiving monthly distributions.

Key Risks

All investments carry risk. Before investing, please consider the following key risks associated with this fund:

Credit Risk

Borrowers may default on loan repayments, which could impact fund returns.

Property Market Risk

Property values may decline, affecting the security value of loans.

Liquidity Risk

Redemptions at maturity (45 days’ notice)，may be suspended in certain circumstances.

Interest Rate Risk

Changes in interest rates may affect borrower capacity and fund returns.

Important Information:
*Target returns and distributions are not guaranteed. Past performance is not indicative of future performance. This information is general in nature and does not constitute financial advice. Investors should read the Information Memorandum and seek independent advice before investing. The trustee EBC Private Credit Pty Ltd ACN 688 090 655 is a corporate authorised representative (AFSAR No. 1316958) of EBC Asset Management Pty Ltd (ACN 669 579 480, the holder of AFS Licence No. 552009).

Ready to Invest?

Contact our investor relations team to request the fund documents.

Request Fund Documents