YieldTier: Stacking the Odds in Private Credit
Build your portfolio, one secured tier at a time.
Private-Credit Snapshot
$1.6T
Global AUM
Up 3× since 2012
$2.3T
2027 Forecast
Preqin projection
10.1%
15-yr Return
vs. HY bonds 8.6%
2.42%
Q1-2025 Default
Senior-secured/unitranche
Meet YieldTier
Edge (18%+)
Higher risk appetite
Plus (14-18%)
Balanced approach
Core (11-14%)
Conservative foundation
Quant-meets-Legal Diligence with forensic audits
Principals commit ≥5% in every tranche
Investment Mandate
Senior-secured only
Collateral ≥110% LTV
6-18 month life
Quarterly distributions
EBITDA cap $250M
Preserves middle-market premium
Concentration limits
≤10% per borrower, ≤30% per sector
Risk-Adjusted Returns
Private credit outperformed
+150 bps above HY
Lower volatility (8% SD vs. 11%)
Floating-rate advantage
+2.4% excess return during 2022-24 rate hikes
State Street verified
Default & Recovery Dashboard
Private loans: tighter covenants, asset-level controls
Current Deal Board
1
Apex Case
9 mo | 20% IRR | 1st lien legal claim
$25M funding size
2
Bolt Lease
12 mo | 16% coupon | 140% LTV machinery
$30M funding size
3
Harbor Receivable
15 mo | 14% coupon | Trustee-held real estate
$18M funding size
Illustrative pipeline; allocations limited, first-come basis
Multi-Layer Risk Controls
Collateral Audits
Site + drone + insurance check every 180 days
Dynamic Covenants
DSCR <1.25× triggers auto cash sweep
Trustee Escrow
Controlled accounts for all cashflows
Insurance Wraps
Trade-credit or cost-overrun policies where viable
Impact & ESG Metrics
Carbon-Light Focus
68% of deals support sustainable industries
SME Growth
$410M deployed to underserved regions since 2021
Exclusion Policy
Zero exposure to fossil-expansion, payday lending, munitions
Investor Journey & Allocation Stats
Secure Data-Room Access
NDA & accreditation (avg 48h)
Due-Diligence Window
Live Q&A; 72% investors request trustee call
Subscription & Funding
Median ticket $250k; oversubscribe rate 1.8×
Monitoring Dashboard
100% borrower KPIs updated monthly
Maturity / Roll-Over
83% choose reinvest option within 30 days
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2025 Private-Credit Tier Report with deep-dive analytics
Priority Access
Limited allocations in Core, Plus & Edge sleeves
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