YieldMemo Private-Credit Insights
Written for Action
Because smart yield starts with a better memo.
Why Private Credit Belongs on Your Desk
The Opportunity Gap
- Banks retreating → $1T+ funding shortfall
- Senior-secured structures with collateral ≥110% LTV
- Floating-rate coupons defend against inflation risk
Our team tracks >500 originators across 4 continents—most never hit public markets.
YieldMemo DNA
Research-First Culture
Ex-credit-ratings analysts & restructuring lawyers
Curated Deal Flow
Litigation finance, equipment leasing, trade receivables, real-asset notes
Aligned Incentives
Co-invest in every transaction; performance-based fees only
Only 1 in 25 deals reviewed reaches investors.
Investment Thesis
Capital Preservation First
Senior-secured, amortizing or cash-swept
Short Duration
6–18 months weighted average life
Collateral Discipline
Real assets or hard legal claims, trustee-controlled
Transparent Structure
No hidden leverage, clear waterfall
Default rate tolerance >20% before principal impairment.
Representative Transactions
Case Advance Bridge
9 mo • 20% IRR
Equipment Lease-Back
12 mo • 16% coupon
Real-Estate Receivable
18 mo • 13% coupon
Terms for illustration only; full documentation governs each offer.
Layered Risk Controls
Collateral Audits
Site visits, drone imagery, insurance verification
Covenant Triggers
DSCR & Net-Asset tests—auto cash sweep <1.25×
Live Monitoring
Borrower KPI API feed, trustee bank-account view
Credit Enhancements
Legal expense insurance or trade-credit wraps
Zero principal losses to date.
Return Blueprint
12-20%
Target Net Yield
Cash yield paid monthly or quarterly
30%
Max IRR with Kicker
Optional profit-share on select deals
0
Principal Losses
Track record to date
Seeking equity-like returns without equity drawdowns.
Investor Workflow
Review Deal Briefs
Data room models, legal opinions, collateral photos
Q&A Session
Originator + YieldMemo team
E-Sign & Fund
Trustee-controlled account; wire instructions
Ongoing Reporting
Monthly memos, live covenant dashboards
Full exit options at maturity; early liquidity via secondary desk when available.
Your Next Memo Awaits
Priority Access
Limited tranches for qualified investors
Exclusive Deal Memos
Private market intelligence & opportunities
Educational Deep Dives
Structuring, risk, and collateral trends
Ready to Pencil In Higher Yield?