Investor overview

Generate stable, risk-adjusted returns with exposure to exclusive property debt opportunities

With a deep understanding of Australian market trends and a commitment to responsible lending practices, we empower you to take advantage of property debt opportunities, invest in growth, and enhance your portfolio returns on a risk-adjusted basis.

Who 3 Capital's private debt opportunities are best suited for

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Investors seeking stable, yielding returns.

Investors seeking low risk alternative to bonds / fixed income.

Medium term investment with liquidity horizons within 6 - 24 months.

Investors seeking to create economic impact through infrastructure development and job creation.

INVESTMENT THESIS

A focus on strong returns, capital preservation and financial alignment

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Material co-investment

The Lederer family invests materially across our deal portfolio, ensuring our financial interests remain aligned with yours. We invite wholesale and sophisticated investors to co-invest alongside us.

Enhanced loan security

All our loans are secured by registered First Mortgages, along with various general securities and personal guarantees from our borrowers, ensuring that risk is adequately managed on each deal.

Conservative LVR’s

We avoid excessive risk-taking and maintain conservative Loan-to-Value Ratios (LVRs) across all our investments. We ensure that risk is actively managed, providing stability and security throughout the investment term.

Clear exit strategies

We believe in defined exits, meticulously planning each step to ensure a smooth transition out of investments. This strategic approach adds an extra layer of assurance, allowing our partners to navigate the investment landscape with confidence.

Deal selectivity

We carefully select investments, focusing on opportunities in high-demand areas with strategic proximity to essential infrastructure and amenities. Our rigorous selection process ensures that each investment aligns with our commitment to delivering stable, high-performing returns.

Why private credit

Generate enhanced returns with lower relative risk

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Investment process

3 Capital follows a meticulous approach to assessing opportunities

Origination

Deal sourcing
Fit with 3 Capital investment principles
Initial due diligence
Preliminary Credit Committee review
Mandate / indicative term sheet

Due diligence

Plan and complete due diligence in accordance with 3 Capital's due diligence process
Due diligence includes a ‘deep-dive’ review of the borrower, builder, and presales reviews
Engage local agents to understand the local market
Assess independent valuation from top-tier valuers
Onboard specialist 3rd-party services as required

Formal approvals

Prepare detailed Credit Committee paper
Review due diligence findings
Downside case analysis
Unanimous Credit Committee consent required

Deal execution

Negotiate a structure with attractive risk reward profile
Engage top tier finance lawyers for facility documentation and settlement process (including tripartite agreements where applicable)
Rigorous approach to satisfaction of conditions precedent
Focus on downside protection

Active monitoring

Monitoring to ensure compliance with finance documentation, covenants, asset security and repayments
Project Control Group (PCG) attendance, ongoing borrower engagement and monitoring
Continued site visits throughout the term of the facility

Exit and repayment

Engagement with borrower towards facility maturity to structure repayment
Reconcile transactions during the investment term
Upon repayment from borrower, remit funds to investors

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Leave your details and we will contact you about your investment objectives

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