Core
Senior Secured Property Lending
- 1st mortgage security
- Conservative leverage with valuation discipline
- Defined exit plans and monitoring cadence
Investor Access • Private Credit • Real
Assets
Earn
stable income
backed by
real assets
Initium Capital structures senior-secured private credit opportunities with disciplined underwriting, clear exits, and capital preservation at the core.
Portfolio Lens
Senior Secured
Income
Target Net Return
10–16% p.a.
Typical Tenor
3–24 months
Security
1st Mortgage
Downside Focus
Conservative LVRs
Income Profile (Illustrative)
Illustrative only • Past performance is not indicative of future results.
Senior-secured structures
•
Clear exit pathways
•
Independent valuations
•
Active monitoring
•
Asset-backed protection
•
Short duration focus
•
Senior-secured structures
•
Clear exit pathways
•
Independent valuations
•
Active monitoring
•
Asset-backed protection
•
Short duration focus
Senior-secured structures
•
Clear exit pathways
•
Independent valuations
•
Active monitoring
•
Asset-backed protection
•
Short duration focus
•
Senior-secured structures
•
Clear exit pathways
•
Independent valuations
•
Active monitoring
•
Asset-backed protection
•
Short duration focus
Underwriting Discipline
Diligence-led assessment with conservative
structuring.
Security & Documentation
Senior ranking, robust legal protections and
covenants.
Monitoring & Exits
Active oversight with defined repayment pathways.
Why investors choose private credit
Designed for income resilience and structural protection, especially when public markets are volatile.
↗
Income
Consistent yield profile
Cashflow-oriented structure with defined terms and repayment sources.
🛡
Protection
Senior-secured downside focus
Priority ranking + asset-backed security designed to protect capital.
⏱
Duration
Shorter duration flexibility
Shorter tenors reduce rate sensitivity and improve portfolio agility.
Strategy set
Simple, readable, investor-style positioning — not marketing copy.
Opportunistic
Bridging & Special Situations
- Time-sensitive opportunities with clear catalysts
- Enhanced premium aligned to structure
- Strict documentation and fallback exits
Risk framework
What investors care about: the repeatable process.
01
Origination & Screening
Initial filtering based on structure, asset
quality, and exit credibility.
02
Valuation & Legal Diligence
Independent valuation, title checks, and
enforceable security documentation.
03
Structuring & Covenants
LVR discipline, covenants, and
investor-aligned protections.
04
Monitoring & Exit
Active oversight, milestones tracking, and
predefined exit pathways.
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