# Yield Capital Investors

> Australian business-purpose lender (Yield Capital Investors Pty Ltd, ABN 69 633 995 203; Corporate Authorised Representative No. 001277558 under AFSL 338567), lending to businesses and developers with an ABN and developing income-focused investment products for wholesale investors. No consumer credit or home loans; no retail investment offers.

Key facts:
- Investors: wholesale clients only (s761G Corporations Act). Products, each offered through its own offer documents: private credit funds, direct loans (single loan, single project or property), lending to listed companies, high-yield property funds, equity income funds, infrastructure and energy income, equipment and asset finance pool, distressed credit fund.
- Investor focus: regular income paid from interest, rent and dividends. Returns are not guaranteed; capital is at risk.
- Borrowers: business-purpose loans only, to borrowers with an ABN. Construction finance for residential developments; unsecured business loans and lines of credit (no property security required; a director guarantee may apply); asset and equipment finance and asset-backed loans; property-secured loans including bridging.
- Contact: investing@yield.com.au (investors), lending@yield.com.au (borrowers), funding@yield.com.au (lenders and capital partners). PO Box R281, Royal Exchange NSW 1225, Australia.

## Pages
- [Yield Capital Investors | Income investments and business loans](https://yield.com.au/): Income-focused investments for wholesale investors, and business-purpose finance for Australian borrowers.
- [Construction finance and business loans | Yield Capital Investors](https://yield.com.au/borrowers.html): Construction finance, business lines and property-secured lines for Australian businesses with an ABN. Business-purpose lending only.
- [Unsecured business loans for ABN holders | Yield Capital Investors](https://yield.com.au/business-loans.html): Unsecured business loans and lines of credit for Australian businesses with an ABN. No property security required.
- [Lenders and capital partners | Yield Capital Investors](https://yield.com.au/lenders.html): How Yield Capital Investors works with lenders, private credit managers and funding providers.
- [Wholesale income investments | Yield Capital Investors](https://yield.com.au/investors.html): Income-focused investment products for wholesale investors: private credit, direct loans, property, equity income and listed company lending.
- [About | Yield Capital Investors](https://yield.com.au/about.html): About Yield Capital Investors: business-purpose lending and wholesale private credit.
- [Contact | Yield Capital Investors](https://yield.com.au/contact.html): Contact details for Yield Capital Investors.
- [Privacy | Yield Capital Investors](https://yield.com.au/privacy.html): How Yield Capital Investors collects, uses and protects personal information.
- [Terms and disclaimer | Yield Capital Investors](https://yield.com.au/legal.html): Terms of use and disclaimer for the Yield Capital Investors website.
- [Private credit fund | Yield Capital Investors](https://yield.com.au/funds/private-credit.html): Pooled portfolios of secured business loans. Income comes from the interest borrowers pay, spread across many loans, borrowers and locations.
- [Direct loans | Yield Capital Investors](https://yield.com.au/funds/direct-loans.html): Invest directly in an individual loan secured against one project or one property, chosen by you. Income is the interest on that loan, paid until it is repaid.
- [Lending to listed companies | Yield Capital Investors](https://yield.com.au/funds/listed-lending.html): Funds that lend to ASX-listed companies through secured loans, notes and convertible instruments. Income comes from interest, with the borrower's public reporting as a check.
- [High-yield property fund | Yield Capital Investors](https://yield.com.au/funds/property-income.html): Sector-focused property funds where income comes from rent under long leases, in sectors such as industrial and logistics, childcare, healthcare, convenience retail and service stations.
- [Equity income fund | Yield Capital Investors](https://yield.com.au/funds/equity-income.html): Portfolios of listed shares selected for their dividends, including franked income, and other high-yield equity strategies.
- [Infrastructure and energy income | Yield Capital Investors](https://yield.com.au/funds/infrastructure-energy.html): Investments in essential assets such as solar, battery storage, gas and power supply, where income comes from long-term contracts with the businesses that use them.
- [Equipment and asset finance pool | Yield Capital Investors](https://yield.com.au/funds/asset-finance.html): A portfolio of business loans and leases secured by equipment and vehicles used by Australian businesses. Income comes from the regular repayments.
- [Distressed credit fund | Yield Capital Investors](https://yield.com.au/funds/distressed-credit.html): A fund that buys or refinances loans where the borrower is in difficulty, at a price that reflects the risk, and works to recover value from the security.
- [Apply to invest | Yield Capital Investors](https://yield.com.au/apply.html): Register as a wholesale investor with Yield Capital Investors. Enter your ABN and we fill in your entity details.

## Frequently asked questions
### What is an unsecured business loan?
A loan to a business that is not secured by property. It is assessed on how the business trades, using its turnover and cash flow. Directors or owners may be asked to provide a personal guarantee.

### Who can apply for a Yield business loan?
Australian businesses with an active ABN, a trading history and regular turnover through a business bank account. Companies, trusts, partnerships and sole traders can apply. Minimum requirements are confirmed when you apply.

### Do I need property as security?
No property security is required for unsecured business loans. Equipment finance is secured by the equipment.

### What can the funds be used for?
Business purposes only, such as working capital, stock and inventory, equipment and fit-out, and growth. Yield Capital Investors does not lend for personal, household or domestic purposes.

### How are the costs shown?
If approved, you receive a written offer setting out the amount, interest rate, all fees and the repayment schedule before you accept.

### Who can invest with Yield Capital Investors?
Wholesale clients only, as defined in section 761G of the Corporations Act 2001 (Cth). This generally includes investors with a qualified accountant's certificate confirming net assets of at least $2.5 million or gross income of at least $250,000 in each of the last two financial years, investments of $500,000 or more, and professional investors.

### What investment products does Yield offer?
Income-focused products for wholesale investors: private credit funds, direct loans, lending to listed companies, high-yield property funds, equity income funds, infrastructure and energy income, an equipment and asset finance pool, and a distressed credit fund. Each product is offered only through its own offer documents.

### Where does the income come from?
From what the underlying assets earn: interest paid by borrowers, rent paid by tenants and dividends paid by companies. Income and returns are not guaranteed.

### Can I invest in a single loan or property?
Yes. Direct loans let wholesale investors choose an individual loan secured against one project or one property, after reviewing an information memorandum setting out the security, borrower, loan-to-value ratio, term, rate payable to investors, fees and exit.

### What are the risks?
All investments carry risk. Borrowers can default, tenants can leave, dividends can be cut and asset values can fall, so income may be reduced or delayed and capital can be lost. Higher income generally comes with higher risk.

### How do I register interest?
Complete the expression of interest form on the Investors page or email investing@yield.com.au. Registering does not commit you to invest.

### What does Yield Capital Investors lend for?
Business-purpose loans to Australian borrowers with an ABN: construction finance for residential developments, unsecured business loans and lines of credit, asset and equipment finance (secured by equipment, vehicles or other business assets), and loans secured by commercial or investment property, including bridging.

### Does Yield provide home loans or personal loans?
No. Yield Capital Investors does not provide home loans or consumer credit. All lending is for business purposes, to borrowers with an ABN.

### What does Yield assess on a construction loan?
The development approval and conditions, the builder and build contract, the cost plan, the end values and the exit, whether by sale or refinance. Progress payments are released against verified stages of the build.

### Does Yield offer equipment and asset finance?
Yes. Yield finances machinery, plant, trucks, construction and earthmoving equipment, technology, fit-out and business-use vehicles for businesses with an ABN, and provides asset-backed loans secured against equipment, vehicles, stock or receivables the business already owns. Terms are matched to the working life of the asset.

### How do I apply?
Use the funding request form on this page. Only the type of finance, the amount, the purpose, your ABN and contact details are needed to start; your ABN fills in your business name. Borrowers deal with Yield directly.

## Compliance
Yield Capital Investors Pty Ltd is a Corporate Authorised Representative (No. 001277558) under AFSL 338567. General information only. Consider your objectives and circumstances before acting.