At Eldium, we invest our own capital into the Fund on a subordinated basis. This means our units sit behind yours so we take the “first loss” before investor capital is impacted. It’s a strong signal of alignment: we share in the outcomes and stand shoulder-to-shoulder with our investors.
Every loan in the Fund is secured against assets. This security helps preserve capital by providing a fallback source of repayment if a borrower defaults. It’s a disciplined, credit-first approach that underpins the Fund’s focus on stability.
Rather than relying on a single borrower or sector, the Fund is spread across multiple counterparties, industries, and asset types. This diversification helps smooth returns and reduces exposure to any one risk, giving investors a more resilient income stream.
At Eldium, We invest our own capital into the Fund on a subordinated basis. This means our units sit behind yours so we take the “first loss” before investor capital is impacted. It’s a strong signal of alignment: we share in the outcomes and stand shoulder-to-shoulder with our investors.
Every loan in the Fund is secured against real, tangible assets. This security helps preserve capital by providing a fallback source of repayment if a borrower defaults. It’s a disciplined, credit-first approach that underpins the Fund’s focus on stability.
Rather than relying on a single borrower or sector, the Fund is spread across multiple counterparties, industries, and asset types. This diversification helps smooth returns and reduces exposure to any one risk, giving investors a more resilient income stream.
The Fund is available to wholesale and sophisticated investors as defined under the Corporations Act. This includes investors who have been certified by a qualified accountant as meeting prescribed income or asset thresholds.
We’ve built the fund to deliver returns that sit between lower-yielding products like cash (sometimes zero interest) and term deposits (around 5%) and higher-yielding but higher-risk funds, such as those heavily exposed to property, construction, or equity (with typically much more volatile returns). We’re aiming for regular income and capital preservation rather than chasing the highest returns.
A key feature of the Fund is the Eldium Co-investment of at least 10% of the Fund.This Co-Investment is structured on a first loss, subordinated basis to provide income and capital protection to investors. This provides true alignment by the Investment Manager.
Our approach is about delivering regular monthly income, with a focus on capital preservation so that investors can sleep well at night, not worrying about the market’s next move.
We lend the way banks do: senior, secured, and backed by assets. The Fund's diversified and there’s no property construction or development exposure. A key feature of the Fund is the Eldium Co-investment of at least 10% of the Fund.
This Co-Investment is structured on a first loss, subordinated basis to provide income and capital protection to investors. This provides true alignment by the Investment Manager.
Investors can access monthly liquidity with 30 days’ notice.
No, we don’t run a fund-of-funds model. We lend directly into portfolios of established non-bank lenders who already have strong track records, underwriting standards, and collections processes.
No investment returns are guaranteed. While the Fund is designed with a focus on capital preservation and has structural protections such as first loss capital and asset-backed lending, investment performance will always depend on underlying borrower repayments and market conditions.
By subscribing to our newsletter, you consent to receive updates and marketing communications from us. You can unsubscribe at any time.
.svg)
.svg)
