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Our Philosophy

At Initium Capital, understanding and fulfilling our clients’ objectives is at the core of our company value. Our philosophy has always been about backing our beliefs with action. We dedicated the year to testing and investing in the market ourselves, ensuring zero loss of capital or interest on our investment. Our focus is on single asset lending, with our ultimate aim being to transition towards a pooled fund structure. Our dedication to this endeavor remains steadfast, recognizing the significance of aligning interests with our clients in the commercial real estate debt market

Background & Expertise

Before launching the official Initium Capital Private Credit Fund, we thoroughly vetted the market internally with our Board. Our philosophy has always been to back up our words with action.

Initium employs a two-pronged approach to evaluate deals. Initially, our credit team conducts an assessment, followed by scrutiny from our in-house property experts at Initium Management.

As a fully owned subsidiary of Initium Group, Initium Management enjoys a stellar reputation as a property development firm in the market. With over three decades of experience stemming from the Hayson family and led by Managing Partner Max Hayson of Initium Group, this strategic alliance offers substantial advantages to both Initium and its investors.

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Single Asset Investment

Our single asset investments allow investors and their advisers to select the opportunities to participate in based on risk and return appetite. Investors set their own risk parameters and can focus on any preferred sub-asset classes, geographic areas, or investment term.

We arrange loans secured against the following real property asset types:

  • major urban areas, with a focus on metropolitan Sydney, Melbourne, Brisbane
  • secured property values generally in the $5-$50 million range, where buyer and refinance liquidity is relatively deep; and
  • non-specialised property assets including land with residential use, completed apartments, generic commercial property, and construction loans.

More specifically, and as part of the credit assessment process, Initium Capital considers critical underwriting metrics including:

  • location and site amenity.
  • land acquisition value and terms, relative to an independent professional valuation.
  • conditions precedent, ongoing covenants, and conditions subsequent.
  • the security structure.
  • LVR/LTC ratios; and
  • borrower income, other net assets and repayment history.
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Portfolio Snapshot

$250,000 Minimum Investment

9% P.A. Investor Target Return

5m – 50mDeal Size Focus

3 – 24 monthsDuration

Monthly Investor Distributions

Projects

Project

Land refinance from existing Lender and provide construction finance on cost-to-complete basis for 8 x townhouses over single level basement

Location

South Sydney, NSW

Facility

AUD 5M
Commercial Progress Drawn Facility

LVR

65%

Enquire Now

South Sydney, NSW

Project

Land Banking for Future Seniors Living Development 19 hectares land with a SEPP Seniors Housing Certificate of Site Compatibility

Location

Northern Beaches, Sydney NSW

Facility

AUD 3.96M
Commercial Investment Facility

LVR

65%

Enquire Now

Northern Beaches, Sydney NSW

Project

Construction of 4 x double-storey townhouses with attached garages

Location

Lower North Sydney, NSW

Facility

AUD 3.5M
Commercial Progress Drawn Facility

LVR

65%

Enquire Now

Lower North Sydney, NSW

Project

Refinance of an exquisite brand-new premium apartment comprising 3-bedroom & 3-bathroom with basement parking for 2 cars, delivering luxury contemporary living with bespoke detailing throughout

Location

Eastern Sydney, NSW 2000

Facility

AUD 5.2M
Commercial Investment Facility

LVR

65%

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Eastern Sydney, NSW 2000

Project

Second mortgage over Point Piper Property to assist client with business working capital needs

Location

Point Piper, Sydney NSW

Facility

AUD $2m
Commercial Loan Facility

LVR

Overall 60% LVR, inclusive of existing senior debt loan amount

Enquire Now

Point Piper, Sydney NSW