Senior Secured Lending — Consistent Monthly Income
The WIC Private Credit Fund seeks to generate predictable, above-market income of 8-14% annually through a diversified portfolio of senior secured loans. The fund prioritizes capital preservation and current income, making it ideal for investors seeking stable cash flow with downside protection.
All loans are secured by tangible collateral — real estate, equipment, receivables, or business assets — providing a structural margin of safety. The portfolio is diversified across 20+ borrowers to minimize concentration risk.
The fund originates and participates in senior secured loans to established mid-market businesses across sectors including real estate bridge lending, asset-based lending, equipment finance, and trade finance.
Typical loan characteristics include:
Each loan is individually underwritten with conservative loan-to-value ratios (typically 50-70%), personal guarantees where applicable, and covenant protections. Duration ranges from 12 to 36 months, providing natural portfolio turnover and reinvestment opportunities.
The Private Credit Fund is managed by WIC's Real Intelligence (RI) autonomous agent team. Every loan undergoes multi-layered analysis combining RI agent expertise with Providence AI credit scoring.
Providence AI performs deep credit analysis on every prospective borrower, evaluating financial statements, cash flow patterns, industry risk, collateral valuations, and macroeconomic conditions. The system generates a proprietary credit score and recommends optimal loan terms.
Post-origination, Providence AI continuously monitors borrower health indicators, covenant compliance, and collateral valuations, providing early warning signals that allow the RI team to take proactive action if loan quality deteriorates.
Start earning monthly income. Contact our investor relations team for fund documentation and onboarding.
Contact Investor Relations