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Private Credit Trust 2021-1

A closed ended bond allowing investors to gain exposure to senior credit risk across a diversified pool of credit assets.

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Fund overview

Our private credit trust is a closed ended bond allowing investors to gain exposure to senior credit risk across a diversified pool of credit assets. Credit is written by two experienced originators covering Asset Finance, Business Loans, Trade Finance, Invoice Finance, Insurance Premium Funding and Real Estate backed loans.

Two note issues are on offer allowing investors to gain exposure for a rolling 6 month period (with no reinvestment obligation) or term investment until completion of the investment period (December 2024).

A1 Notes
350bps

6 month maturity

A2 Notes
650bps

Term maturity (Dec 2024)

Performance of the Remara Credit Trust 2021-1

  • 2023
  • 2022
  • 2021
Month Mnth Return - Fixed RBA Active Gain
January 0.50% 0.26% 0.24%

Source: Remara Investment Management. Past performance is not a reliable indicator of future performance. See below for defined terms.

Month Mnth Return - Fixed RBA Active Gain
January 0.50% 0.00% 0.50%
February 0.50% 0.00% 0.50%
March 0.50% 0.00% 0.50%
April 0.50% 0.00% 0.50%
May 0.50% 0.00% 0.50%
June 0.50% 0.01% 0.49%
July 0.50% 0.11% 0.39%
August 0.50% 0.15% 0.35%
September 0.50% 0.20% 0.30%
October 0.50% 0.22% 0.28%
November 0.50% 0.24% 0.26%
December 0.50% 0.26% 0.24%

Source: Remara Investment Management. Past performance is not a reliable indicator of future performance. See below for defined terms.

Month Mth Return - Fixed RBA Active Gain
December 0.50% 0.00% 0.50%

Source: Remara Investment Management. Past performance is not a reliable indicator of future performance. See below for defined terms.

Why choose the Remara Credit Trust 2021-1

The investment allows investors senior exposure across a diversified pool of loans. The notes are benefited by a minimum of 15% credit enhancement resulting in a low potential for capital loss.

Features of the Remara Credit Trust 2021-1 /

Diversified Security Pool

Large number of loans (usually above 300) allowing for granular risk exposures and ability to limit significant obligator risks

Secured Lending

Secured by hard assets, insurance coverage or real estate.

Alignment with Sponsors

Remara owns the subordinated “First Loss” notes within the fund, providing alignment of interest with note holders.

Diversified Tenure

Trust offers multiple investment periods, allowing flexibility for investors to position accordingly withing their overall investment portfolio.

Strong Credit Scores

More than 75% of the underlying borrowers have credit scores above 600, providing a strong credit profile. This further enhances with diversification of the loan pool.

Fund details

Our Private Credit fund carries a low risk rating and is open to Australian domiciled wholesale investors (as defined by the Corporations Act). We seek to return in excess of the RBA cash rate + 4.0% per annum to investors after fees. This fund is suited to fixed income investors who are looking for a high rate of return whilst being able to access their money on a regular basis. Investors can make withdrawals on a quarterly basis (March, June, September, December) during our withdrawal window.

Full fund specifications

Fund Name
Remara Private Credit Trust 2021-1
Investment Manager
Remara Investment Management Pty Ltd
Trustee/Responsible Entity
AMAL Trustees
Return Profile
A1 Notes 3.5%, A2 Notes 6.5%
Risk Level
Low
Investment Horizon
A1 Notes - 6 months, A2 Notes - Dec 2024
Investor Eligibility
Wholesale investors only
Minimum Investment
A$25,000.00
Distributions
Quarterly (March, June, September, December)
Management Fees
NIL
Performance Fees
NIL
Withdrawals
Not available, however notes can be transferred

Frequently asked questions

Are investors guaranteed their capital and interest return?

No, the notes are structured to provide investors the best opportunity to ensure return of capital and the receipt of interest, however the return cannot be guaranteed.

When are distributions paid?

A1 notes are paid at maturity. A2 notes are paid quarterly on the 3rd December, March, June, September.

Can I reinvest my distribution?

No reinvestment plan exists. Further investment is required via note purchase.

Can I withdraw money from the bond?

The bond notes can be traded between investors, however, a liquid secondary market may not always be available. The notes can only be redeemed at their prevailing maturity.

All underlying loans are secured loans or have insurance coverage

All underlying loans are secured loans or have insurance coverage.

Is Remara a bank?

No, Remara is not an Authorised Deposit Taking institution (ADI).

Is an Investment into the Private Credit Trust 2021-1 covered by the Australian Government deposit guarantee?

No, Remara is not an ADI.

Looking to invest?

Speak to Remara investor relations today about note acquisition.

  • Download Information Pack
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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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