Five tiers, one structure: the more you commit, the higher your target preferred return. Every tier is backed by the same first-lien collateral standards and paid from real borrower interest collected through Easy Cash Loans.
*At the Manager’s discretion, based on available fund cash flow.
Initial lock-up of 6–12 months by tier, followed by redemption upon 90-day written notice. Distributions are made monthly at the Manager’s discretion based on available fund cash flow. Preferred returns accrue on invested capital, are targets, and are not guaranteed. See the Private Placement Memorandum for complete terms.
Your distributions are funded by real interest paid by real borrowers on first-lien loans — not by new investor capital.
Loans issued through Easy Cash Loans carry 10–14% rates over 6–18 month terms, with borrower-paid points.
Monthly interest payments and loan payoffs flow back into EC Capital Fund as portfolio cash flow.
Your preferred return accrues on invested capital from fund deployment, at your tier’s target rate.
Distributions are paid monthly at the Manager’s discretion, based on available fund cash flow.
Each tier carries an initial lock-up of 6–12 months, after which you may redeem with 90 days’ written notice. The Manager may delay redemptions in adverse conditions to protect all investors — commit only capital you can comfortably leave deployed for 12–18 months.
Two modeled cases for a $100,000 investment at the 9% tier — one at target, one stressed to 8% — over the fund’s first two years.
| Scenario | Year 1 Distributions | Year 2 Distributions | 2-Year Cumulative |
|---|---|---|---|
Base Case — 9% Tier Target preferred return; Year 1 reflects the capital deployment ramp. | ~$8,310 | ~$9,000 | ~+17.3% |
Conservative Case — 8% Stress Modeled at an 8% effective rate to reflect slower deployment and higher reserves. | ~$7,385 | ~$8,000 | ~+15.4% |
Illustrative projections based on a $100,000 investment at the 9% preferred return tier. Results will vary based on deployment timing, defaults, and fund size. Not a guarantee. Hypothetical scenarios do not represent actual fund performance, and distributions remain at the Manager’s discretion.
The underwriting standards, four protection layers, default playbook, and honest risk factors behind the returns.