Invest in Australian
Private Credit

Msquared Capital is a trusted private credit provider. It sources and evaluates quality borrowers needing finance and matches them with funding from one of our three investment vehicles.

Income Generation
& Diversification

Msquared Capital provides investors with unique access to the Australian private credit market through the provision of registered mortgage investment opportunities, which aim to offer competitive income generation, diversification, and capital preservation. Speak directly to the decision makers to begin your journey into private credit today.

Income G & D

Investment Products

Msquared Mortgage
Income Fund

Invest in a diversified portfolio of first registered mortgage investments. The Msquared Mortgage Income Fund has a maximum LVR of 70% for any given loan, and will not have exposure to vacant land, construction, or development loans.

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Apr 24

8.00% p.a.

Mar 24

7.91% p.a.

Feb 24

7.91% p.a.

Jan 24

7.85% p.a.

Dec 23

7.80% p.a.

Nov 23

7.78% p.a.

Oct 23

7.75% p.a.

Sep 23

7.73% p.a.

Aug 23

7.71% p.a.

Jul 23

7.70% p.a.

Jun 23

7.61% p.a.

May 23

7.61% p.a.

All returns listed are annualised

0 % p.a.

RETURN, NET OF FEES

as at APRIL 2024 *

0 %

WEIGHTED LOAN-TO-VALUE RATIO (LVR)

as at APRIL 2024

Distributions

Paid Monthly
0 Months

MINIMUM INVESTMENT TERM

$ 0

MINIMUM INVESTMENT

Msquared High Yield
Mortgage Income Fund

Invest in a diversified portfolio of mortgage investments aimed at ensuring the Fund delivers a higher return for investors. The Msquared High Yield Mortgage Income Fund has a maximum LVR of 80% for any given loan, which includes shorter-term loans with limited exposure to vacant land, construction, or development.

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Apr 24

10.35% p.a.

Mar 24

10.35% p.a.

Feb 24

10.35% p.a.

Jan 24

10.35% p.a.

Dec 23

10.35% p.a.

Nov 23

10.32% p.a.

Oct 23

10.30% p.a.

Sep 23

10.30% p.a.

Aug 23

10.25% p.a.

Jul 23

10.20% p.a.

Jun 23

9.96% p.a.

May 23

9.85% p.a.

All returns listed are annualised

0 % p.a.

RETURN, NET OF FEES

as at APRIL 2024

0 %

WEIGHTED LOAN-TO-VALUE RATIO (LVR)

Distributions

Paid Monthly
0 Months

MINIMUM INVESTMENT TERM

$ 0

MINIMUM INVESTMENT

Msquared Contributory Mortgage Income Fund

Curate your investment portfolio by investing in individual loan opportunities that suit your risk profile. The Msquared Contributory Mortgage Income Fund assesses LVRs on a case-by-case basis, with limited exposure to vacant land, construction, or development. The Fund targets a net return between 8.00% p.a. and 14.00% p.a. with the return dependent on the risk profile of the underlying loan.

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TARGET RETURN, NET OF FEES

8.00%-
14.00% p.a.

Investment Term

6-36 Months

Distributions

Paid Monthly
UP TO
0 %

LOAN-TO-VALUE RATIO

Investments in Msquared’s products are not bank deposits and investors risk losing some or all of their capital. *The performance of any Msquared fund and any specific rate of return is not guaranteed. Past performance is not indicative of future performance. †The payment and frequency of distributions is not guaranteed. Investors should consider the relevant fund’s Constitution, Information Memorandum (particularly the Risks section) and relevant Loan Memorandum before making any decision to invest in any fund. Disclosure documents are issued by Msquared Capital Pty Ltd ACN 622 507 297 and Msquared Capital Funds Management Pty Ltd ACN 644 643 274.

Lending Process

The Lending
Process

 

Since inception, each Fund has paid monthly distributions, and all loans have been repaid in full. Msquared Capital applies a robust and disciplined credit approach which focuses on five key areas, known as ‘The 5Cs’:

01 Character

Msquared Capital conducts extensive background checks on the prospective Borrower to help ensure we are lending to someone of good character. We undertake searches demonstrating their past behaviour in relation to prior debt obligations, their repayment history, as well as personal and professional reputation.

A clear exit strategy for the proposed mortgage must be established early in the credit review process. This may include refinancing to another lender at the end of the loan term, or sale of the security property. Another critical consideration is the prospective Borrower’s net asset position relative to the loan amount.

The prospective Borrower must demonstrate sufficient capacity to service the debt. This often includes assessing their various income streams, such as salary, business profits, and rental income. Current debt obligations, including income tax and land tax, are also considered.

Proposed security properties must be assessed based on the worst-case scenario of Borrower default. This means that the Loan-to-Value Ratio (LVR) should be carefully selected so that recovery in the event of default will be achievable. The quality of the security property, its geographical location, its saleability, and existing security interests on it, are critical factors in Msquared Capital’s assessment of the collateral to a proposed loan. In addition, Msquared Capital engages reputable third parties, including approved valuers, whose reports are thoroughly reviewed before approving a loan.

The Borrower is to demonstrate a proven track record and sufficient acumen in property/business transactions to undertake the commercial ventures for which they require funding. This may include prior experience in property development and investments.

INFO@MSQCAPITAL.COM.AU

LEVEL 12, 88 PITT STREET,
SYDNEY NSW 2000

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We look forward to hearing from you.

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Contact

(02) 9157 8608
Info@msqcapital.com.au
Level 12, 88 Pitt Street
Sydney NSW 2000