A steady-performing private mortgage investment fund
The SL Premium Income Fund delivers a consistent stream of income — a target 7% to 9.95% per annum — secured against Australian real property rather than the volatility of listed markets. Your capital is put to work in short-term commercial loans, each backed by a registered first mortgage, with the interest passed through to you.
The SL Premium Income Fund is an unregistered managed investment scheme managed by Secured Lending, a direct private lender that has facilitated over $500 million in property-backed loans. The fund provides Wholesale and Sophisticated Investors with income from short-term commercial loans, each secured by a registered first mortgage over Australian real property. Investors can choose which sub-trust to invest in based on their own risk appetite.
Why invest in the commercial debt market?
The commercial debt market is often overlooked as an investment option because it is hard for private investors to access quality deal flow. Businesses regularly seek funding from lenders outside the major banks, and Secured Lending is positioned to access that market on investors’ behalf.
Access to a hard-to-reach market
The commercial debt market is difficult for private investors to access, because quality deal flow is hard to source. Secured Lending is positioned within it, funding businesses that look beyond the major banks.
Income secured by real property
Every loan is secured by a registered first mortgage over Australian real estate, with the loan-to-value ratio capped at 70%. The property security sits ahead of your capital.
Short, self-liquidating loans
Target loan terms are generally under 12 months. Shorter terms mean capital is returned and recycled more quickly, rather than being locked away for years.
The manager invests alongside you
Deals are pre-funded with Secured Lending’s own capital before investors participate, and where the manager co-lends, it is repaid only after investors are repaid in full.
Case Studies
A selection of completed loans funded for our investors — each secured by a registered first mortgage over Australian property.
Fund 5Concord, NSWUse of funds: “The borrower needed funds for renovation works. Once the occupation certificate was obtained — three months into the facility — the opportunity was offered to investors.”
Fund 8Shell Cove, NSWUse of funds: “The borrower needed urgent funds to purchase the security, with settlement fast approaching and the potential for a notice to complete being issued.”
Fund 9Warana, QLDUse of funds: “The borrower needed urgent funds to refinance their current mortgage and provide additional working capital.”
Fund 16Wyong, NSWUse of funds: “The borrower needed urgent funds to refinance their current mortgage and provide additional working capital.”
Fund 17Batemans Bay, NSWUse of funds: “The borrower needed urgent funds for debt consolidation (multiple creditors plus ATO debt) while awaiting sale proceeds.”
Fund 22Underwood, QLDUse of funds: “The borrower needed urgent funds as their previous facility had expired and the original lender would not provide an extension to allow for the sale.”
Minimum investment: $100,000.Available to wholesale and sophisticated investors only. Investments under $500,000 require a qualified accountant’s certificate confirming wholesale or sophisticated investor status.
Completed transactions, shown anonymised. Past performance is not indicative of future returns; investor returns and amounts vary by deal and sub-trust.
How the fund works
The fund is structured as a series of sub-trusts, each holding a single loan. You can review the security, risk and target return of each opportunity and choose which to invest in based on your own risk appetite. Your units in a sub-trust entitle you to a proportionate share of that loan’s income and capital.
Deal flow
Secured Lending’s network of brokers, accountants and advisers across Australia provides a steady pipeline of lending opportunities.
Assessment
Each deal is rigorously assessed, with an in-house valuation team providing expert advice on the property security.
Funding
Secured Lending settles the loan first using its own capital, so funding is fast and certain for the borrower.
Invest
Once settled, the opportunity is offered to investors to participate from a $100,000 minimum.
Disciplined lending standards
The Trust Manager seeks to preserve capital and deliver regular returns by holding every loan to a consistent set of standards. Each loan is vigorously assessed from application — screened, credit reviewed and approved by the Trust Manager — before any investor capital is committed.
Deals are pre-funded with Secured Lending’s own capital and settled, often within 24 hours. Investors then participate after settlement, with a minimum investment of $100,000.
Who can invest
The SL Premium Income Fund is available to Wholesale and Sophisticated Investors only, within the meaning of the Corporations Act 2001. It is not available to retail clients. Investors can participate as an individual, company, trust or SMSF.
Broadly, you may qualify if you invest $500,000 or more, hold a qualified accountant’s certificate confirming net assets of at least $2.5 million or gross income of at least $250,000 for each of the last two financial years, or are a professional investor. If you are unsure whether you meet the requirements, seek advice from a qualified professional.
Begin in three steps
Registering takes only a few minutes. From there you can review live opportunities and start earning income secured by Australian property.
Register your interest
Confirm your status as a Wholesale or Sophisticated Investor to access the fund.
Choose an opportunity
Review available pre-funded first-mortgage loans and select those that match your profile.
Earn returns
Receive income from your chosen loans — monthly, or at the end of the term where interest is capitalised.
Recent loans
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Read the Information Memorandum
Get the full detail on the fund’s structure, target returns, security, fees and risks. Enter your details to download the SL Premium Income Fund Information Memorandum.
Investor questions
Common questions about investing in the SL Premium Income Fund. For anything else, speak with our investor relations team.
Contact usImportant Notice: This page contains general information only and is not financial advice. The SL Premium Income Fund is available to Wholesale and Sophisticated Investors only within the meaning of the Corporations Act 2001 and is not suitable for retail clients. The fund is issued by SL Premium Income Fund Pty Limited (ACN 664 382 076, AFSL 549857), as trustee. Target returns are not guaranteed, past performance is not indicative of future returns, and investments involve risk including the possible loss of capital. Read the Information Memorandum in full and seek independent advice before investing.