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Credit Opportunities Fund

A high-yield, open ended fund offering monthly distributions, semi-annual redemptions and a highly diverse pool of credit loans which are secured by real assets and structural protections. Annualised return since inception of 14.83% p.a. (after fees).

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Fund overview

Our Credit Opportunities Fund is suited to wholesale investors seeking exposure to Australia’s private credit market and looking to add a growth fund to their investment portfolio. Gain access to a high, risk-adjusted return on investment, consistent income through monthly distributions and the option to reinvest and build your wealth further.

* Target returns are not guaranteed. Past returns are not a reliable indicator of future performance. 

Capability
14.83%

Annualised return p.a (after fees)*

Capability
100%

Principal & Interest returned

Capability
5+ years

Track Record in Private Credit

Performance of the Remara Credit Opportunities Fund

Month Absolute RBA Active Gain
March 1.24% 0.36% 0.87%

Fund & performance documents

Quarterly Market Updates

A comprehensive look at the markets & what may lie ahead.

Why choose our Credit Opportunities Fund?

The Remara Credit Opportunities fund caters to wholesale investors seeking portfolio diversification and growth through a medium to high risk/high return investment profile. Gain exposure to the private credit market through underlying investments in corporate loans, structured finance, real estate & project finance and tactical opportunities. Our aim is to provide investors with a reliable income stream whilst seeking to achieve long term capital growth. The Fund’s investment strategy prioritises capital preservation before assessing the income return to minimise any downside risk.

Benefits of our private credit fund /

High return on investment

Our fund aims to return investors an annual return in excess of the RBA cash rate, plus an additional 10% per annum after fees*. Through careful and strategic risk management, our investment team seeks to maximise investor returns and limit any associated risks.

* Target returns are not guaranteed
Reliable income stream

Our Credit Opportunities Fund has been designed to provide investors with a continuous and reliable income stream in the form of monthly distribution payments. Investors also have the option to reinvest their distributions to build their wealth further, earning not only on their principal investment but the interest earned as well.

Secured loans

The Funds underlying loans are secured by real assets and cashflow. Additional protections include Director/Borrower guarantees, registered security interests, first loss support and a highly diversified asset pool spanning multiple industries, asset types and geographical locations. This approach optimises the balance between risk and return.

Potential capital appreciation

Through investing in undervalued assets, the Fund aims to deliver long-term capital growth in addition to the stated income yield.

1 Target Returns are not Guaranteed. Past returns are not a reliable indicator of future returns.
Floating rate return

The Fund invests into loans which are floating in nature (due to their short duration) allowing any rate increases to be captured whilst ensuring investors are compensated for changes to rates when they occur. This provides a level of security during times of rapid interest rate changes, ensuring out investors are not on the wrong side of the market movements.

Management Experience

Our senior members have over thirty years of individual experience in corporate lending, capital markets structured credit and asset management. Our vertically integrated approach ensures we maximise investor returns whilst minimising any associated risks. It also means that the Fund is co-invested, creating an alignment of interest between our management team and investors.

Fund details

Our Credit Opportunities Fund carries a medium to high risk rating and is open to Australian domiciled wholesale investors (as defined by the Corporations Act) only. The Fund aims to return in excess of 10% (after fees)* above the RBA Cash Rate per annum to investors. This fund is suited to investors who are looking for a high rate of return, monthly distributions and capital growth on their underlying investment. Investors can make withdrawals on a Semi-Annual basis during the specified withdrawal window.

* Past returns are not a reliable indicator of future performance. Target returns are not guaranteed.

Full fund specifications

Fund Name
Remara Credit Opportunities Fund
Investment Manager
Remara Investment Management Pty Ltd
Trustee/Responsible Entity
AMAL Trustees Pty Ltd
Unit Registry
Apex Funds Services Pty Ltd
Custodian
Perpetual Coprorate Trustees Limited
Fund Auditor
Ernest & Young Australia
Return Profile
The fund seeks to return annual returns in-excess of 10% (post fees) above the floating BBSW Rate
Risk Level
Medium to High
Investment Horizon
Perpetual
Investor Eligibility
Australian domiciled wholesale investors (as defined by the Corporations Act), Family Units, SMSF provided they meet the requiements to be classified as a wholesale investor
Minimum Investment
A$25,000.00
Minimum Investment Balance
Investors must maintain a minimum balance of A$25,000.00
Distributions
Monthly – 15th Each Month
Management Fees
1.25% p.a.
Performance Fees
20% of performance above a hurdle of 10% + BBSW (subject to a rolling return high water mark)
Withdrawals
Semi-Annual. The Manager will use best endeavours to ensure full liquidity is available to investors as required, however, full liquidity may not be able to be provided within the requested semi-annual window. In the event a Redemption Request is unable to be met in full, the Unitholder will be given the choice between a pro-rata withdrawal or a deferral of withdrawal to a future period where liquidity can be provided and managed.
Lock up Period
Investors are subjet to an initial lock up period of 12 months. Redemption requests will not be accepted where units have not been held for 12 months

Australia's Private Credit Market

Worth $3.2 trillion dollars, Australia’s private credit market has experienced year-on-year growth over the past fifteen years. With regulatory changes forcing banks to tighten lending criteria, the demand for alternative sources of credit has increased exponentially. This has created significant demand with non-bank sourced credit now overtaking ADI (Australian Deposit Taking Institutions) funding for mid-market corporate entities and SME’s.

Investing in the private credit market offers wholesale investors access to superior risk-adjusted returns, lower volatility compared to traditional fixed-income investments, portfolio diversification and regular monthly income.

Frequently asked questions

Is the fund guaranteed to meet the target return of BBSW + 10% (after fees)

No, the Fund invests into a portfolio of underlying direct loans to borrowers across multiple product and asset classes. The return to investors is not guaranteed and is subject to underlying market conditions. The underlying return post fees to investors could be higher or lower than target return being RBA Cash Rate + 10%.*

* Past returns are not a reliable indicator of future performance. Target returns are not guaranteed.

When are distributions paid?

The Fund will pay monthly distributions on the 15th of each month.

Can I reinvest my distribution?

Yes, the fund offers a dividend reinvestment program.

Can I withdraw money from the fund?

Fund investors will have an open period Semi-Annually to request a redemption. Redemptions will be completed 15 days after the end of the redemption period. Investors should review the conditions around redemption in the Investment Memorandum.

Are the underlying loans secured?

Yes, the underlying loans are secured by real assets, cashflows and other structural protections including director/borrower guarantees, registered security interests and first loss support.

How does Remara manage credit risk?

Remara has established relationships with proven and profitable loan originators and servicers. Remara undertakes a review of the credit policy and sets stringent portfolio and credit parameters to ensure a tight credit structure is maintained. Remara, on a monthly basis, will monitor the ongoing credit of the investment portfolio. Each originator retains a ‘first loss’ position in the loan.

What is the 'first loss' position and how does it work?

Remara has structured its investments to require the loan originator to fund and retain a ‘first loss’ portion of the loan. This means in the event of a credit loss, the originators capital is paid last in the recovery scenario. This results in an improved credit enhanced position for fund investors as the originator is aligned to fund investors with their money at risk ahead of fund investors.

Is Remara a bank?

No, Remara is an investment manager regulated by the Australian Investment and Securities Commission via a Financial Services licence.

Is an Investment into the Private Credit fund covered by the Australian Government deposit guarantee?

No, as Remara is not an Australian deposit taking institution, the investment is not covered under the guarantee.

I am a retail investor. Can I invest into this Fund?

Unfortunately the Remara Credit Opportunities Fund is only open to Wholesale Investors (as defined by the Corporations Act).

Wholesale Investor

There are several criteria outlined in the Corporations Act, the most common include:

  1. You have net assets of at least $2.5m; or
  2. You have gross income for each of the last two financial years of at least $250k;
  3. You are willing to invest $500k or more into the fund.

To verify whether you satisfy the criteria referenced above, you must obtain an Accountant’s Certificate stating so.

Looking to invest?

Download our fund information pack containing our Product Disclosure Statement and Fund overviews docs, apply now or speak to one of our team.

  • Download Information Pack
  • Apply Now
  • Speak with our team
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Remara Investment Management Pty Limited (Remara or the Company) is the author and issuer of this Document.

This Document is either a prospectus nor a product disclosure statement regulated under the Corporations Act 2001 (Cth) (the Act). A copy is not required to be, and has not been, lodged with the Australian Securities and Investments Commission. It has been prepared only for issue to, and use by, prospective investors who qualify as sophisticated and wholesale clients as defined in the Act (Recipient) and is not intended to be received or read by anyone other than a Recipient. The issue of this Document to a Recipient does not constitute an offer to that Recipient in any form whatsoever. Remara is an authorised representative (AR:1283762) under AFSL Number: 546046.

The information contained in this Document or subsequently provided to the Recipient whether orally or in writing by, or on behalf of the Company or any of their respective related bodies corporate or any of their respective directors, officers, employees, agents, representatives and advisers (Parties) is provided to the Recipient on the terms and conditions set out in this notice.

Confidentiality

This Document is the property of Remara. By receiving this Document, the recipient agrees to keep its content confidential and agrees not to copy, supply, disseminate or disclose any information in relation to its content without Remara’s prior written consent.

No Advice

This Document is not investment advice and does not take into account the investment objectives, financial situation or particular needs of any Investor who receives or reads it. No person is authorized to provide information or to make a representation in connection with this proposed business concept that is not contained in this Document.

Any information or a representation in connection with a Company that is not contained in this Document may not be relied upon as having been authorised by the Company.

No Representation or Warrant

No representation or warranty, express or implied, is or will be made in relation to, and no responsibility or liability (whether for negligence under statute or otherwise) is or will be accepted by the Manager or by any of its officers, directors, shareholders, partners, employees or advisers (as relevant) as to or in relation to the accuracy or completeness of the information, statements, opinions or matters (express or implied) arising out of, contained in or derived from this Document or any omission from this Document or of any other written or oral information or opinions provided now or in the future to any interested party or its advisers. In particular, no representation or Warranty is given as to the achievement or reasonableness of any plans, future projections, prospects or financial returns and nothing in this Document is or should be relied upon as a promise or representation as to the future. The Manager expressly disclaims all liability for any loss or damage of whatsoever kind (whether foreseeable or not) which may arise from any person acting on any information and opinions relating to the company contained in this Document or any information which is made available in connection with any further enquiries, notwithstanding any negligence, default or lack of care. In furnishing this Document, the Manager undertakes no obligation to provide any additional information other than as specifically stated in this Document.

Forward-Looking Statements

This Document includes forward-looking statements generally identifiable by the use of the words ‘anticipate’, ‘believe’, ‘could’, ‘estimate’, ‘expect’, ‘intend’, ‘may’, ‘plan’, ‘seek’, ‘target’, ‘will’, or similar words. Such statements are only predictions, and are based on assumptions and estimates, and describe the Company’s future plans, strategies and expectations. They are subject to inherent risks and uncertainties that contribute to the possibility that the predictions, forecasts, projections and other forward-looking statements will not eventuate. Those risks and uncertainties include general economic conditions and prevailing exchange rates and interest rates as well as factors and risks specific to the industry in which the Company operates. Actual performance or events may be materially different from those expressed or implied in those statements. All forward-looking statements attributable to the Company or persons acting on behalf of the Company are expressly qualified in their entirety by the cautionary statements in this section. Except as expressly required by the Act, the Company undertakes no obligation to publicly update or revise any forward-looking statements provided in this Document whether as a result of new information, future events or

otherwise, or the risks affecting this information. None of the Company, its officers or any person named in this Document with their consent, or any person involved in the preparation of this Document, makes any representation or warranty (express or implied) as to the accuracy or likelihood of fulfilment of any forward-looking statement except to the extent required by law. The forward-looking statements reflect the views held only as at the date of this Document. Investors should not place undue reliance on forward-looking statements. 

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