Initium Private Credit Fund - Property Investment Fund - Initium Capital

Our Philosophy

At Initium Capital, understanding and achieving our clients’ goals are at the core of our company values. Our philosophy has always been to back our beliefs with actions.We spent a year personally testing and investing in the market to ensure zero losses or zero-interest investments. Our primary focus is on single-asset lending, with the ultimate goal of transitioning to a pooled fund structure.We remain steadfast in this commitment, recognizing the importance of aligning our interests with those of our clients in the commercial real estate debt market.

Background & Expertise

Before the official launch of the Initium Capital Private Credit Fund, we conducted a thorough internal review with the board. Our philosophy has always been to back our words with actions.

Initium adopts a dual-pronged approach to transaction assessment. First, our credit team conducts an evaluation, followed by a review by Initium Management’s in-house real estate experts.

As a wholly owned subsidiary of Initium Group, Initium Management has a strong reputation in real estate development.

Single Asset Investment

Our single-asset investments allow investors and their advisors to select opportunities based on their risk and return preferences. Investors can set their own risk parameters and focus on any preferred sub-asset class, geographic region, or investment term.

We arrange loans secured by the following types of real estate assets:

Major metropolitan areas, with a focus on key cities such as Sydney, Melbourne, and Brisbane.
Secured property values typically range from $5 million to $50 million, with relatively strong liquidity for both acquisitions and refinancing.
Non-specialized real estate assets, including residential land, completed apartments, general commercial properties, and construction loans.

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

Location and site amenities
Land acquisition value and terms, relative to independent professional valuations
Conditions precedent, ongoing covenants, and conditions subsequent
Security structure
LVR/LTC ratios
Borrower’s income, other net assets, and repayment history

Portfolio Snapshot

$250,000 Minimum Investment

10-16% P.A. Investor Target Return

5m – 50mDeal Size Focus

3 – 24 monthsDuration

Monthly Investor Distributions

The Initium Private Credit Fund has built a strong track record, delivering consistent investor returns over time. The fund reflects a disciplined credit strategy and a focus on high-quality, secured lending opportunities.

34.27 M Total Lending Initium Private Credit Fund

2.37 M Total Investor Returns Initium Private Credit Fund

12.6 % Annualized Return Initium Private Credit Fund

First Mortgage

Project

Refinance of First Mortgage from Other Private Lender for the asset in Point Piper, Sydney NSW Investor Return - 10% p.a

Location

Point Piper, Sydney NSW

Facility

AUD $30m
Commercial Loan Facility

LVR

Overall 65% LVR, inclusive of existing senior debt loan amount

Point Piper, Sydney NSW

Project

First mortgage facility to refinance the existing facility.

Location

East Lindfield, NSW

Facility

AUD $8.3m
Commercial Loan Facility

LVR

Overall 80% LVR

East Lindfield, NSW

Project

Refinance and equity release of a double-brick 6-bed, 4-bath home in Bardwell Park, NSW, set on 771sqm with pool, golf course views, and convenient access to the CBD.

Location

Bardwell Park Sydney, NSW

Facility

AUD 2.55M Residential Refinance & Equity Release Facility

LVR

Overall 82.5% LVR

Bardwell Park Sydney, NSW

Second Mortgage

Project

Short term bridging facility to assist with a refinance

Location

OATLEY NSW 2223

Facility

AUD $480k Commercial Loan Facility

LVR

Overall 87%

OATLEY NSW 2223

Project

To assist with property settlement for commercial property in Ashfield.

Location

HUNTERS HILL NSW

Facility

AUD $1m Commercial Loan Facility

LVR

Overall 84%

HUNTERS HILL NSW

Project

To assist with Renovations, working capital and clearance of unsecured debts

Location

Lindfield NSW

Facility

AUD $900K Commercial Loan Facility

LVR

Overall 71%

Lindfield NSW

Project

Short-term bridging facility to assist with a refinance and working capital

Location

Drummoyne & HUNTERS HILL NSW

Facility

AUD $5.6m Commercial Loan Facility

LVR

Overall 80%

Drummoyne & HUNTERS HILL NSW

Project

To assist with property settlement for a Residential and Commercial property in Inner-West Sydney

Location

Hunters Hill NSW

Facility

AUD $1.25m Commercial Loan Facility

LVR

Overall 85%

Hunters Hill NSW

Project

To assist with Renovations, working capital and clearance of unsecured debts

Location

Cronulla NSW

Facility

AUD $1m Commercial Loan Facility

LVR

Overall 71.64% , (inclusive of First Mortgage)

Cronulla NSW

Project

Second Mortgage over Point Piper, Sydney NSW 2027 to assist with Renovation and Business Working Capital Investor Return - 13% p.a

Location

Point Piper, Sydney NSW

Facility

AUD $4m Commercial Loan Facility

LVR

Overall 65% LVR, inclusive of existing senior debt loan amount

Point Piper, Sydney NSW

Project

Second mortgage facility to assist with refinance of existing second mortgage

Location

Griffith, ACT

Facility

AUD $1,320,000
Second Mortgage Loan Facility

Griffith, ACT

Project

Second mortgage property to assist with purchase settlement

Location

Lindfield, NSW

Facility

AUD $350,000
Commercial Loan Facility

LVR

Overall 87% LVR, inclusive of existing senior debt loan

Lindfield, NSW

Project

Mezzanine Loan secured against two Canberra apartments and one Griffith owner-occupied property, to assist with business working capital.
Investor Return – 18% p.a.

Location

Canberra, ACT – Mezzanine Loan

Facility

AUD $500,000
Commercial Loan Facility

Canberra, ACT – Mezzanine Loan

Project

Second mortgage Hunters Hill Property to assist client with working capital needs

Location

Hunters Hill, NSW (Loan Repaid)

Facility

AUD $2.2m Commercial Loan Facility

LVR

Overall 57% LVR, inclusive of existing senior debt loan

Hunters Hill, NSW (Loan Repaid)

Project

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

Location

Point Piper, Sydney NSW

Facility

AUD $2m Commercial Loan Facility

LVR

Overall 50% LVR, inclusive of existing senior debt loan amount

Point Piper, Sydney NSW

Project

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

Location

Point Piper, Sydney NSW

Facility

AUD $2m Commercial Loan Facility

LVR

Overall 50% LVR, inclusive of existing senior debt loan amount

Point Piper, Sydney NSW

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 50% LVR, inclusive of existing senior debt loan amount

Point Piper, Sydney NSW

Project

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW, set on 1,694sqm with pool, landscaped gardens, and premium outdoor entertaining area. Conveniently located near top schools, parklands, and public transport.

Location

Burwood Sydney, NSW

Facility

AUD 1.20M
Equity Release Facility

LVR

80% (including 1st mortgage)

Burwood Sydney, NSW