Woodbridge Private Credit Fund - Associate Global Partners

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Woodbridge Capital (Woodbridge) is an Australian and New Zealand investment manager and alternative (non-bank) lender specialising in finance across commercial real estate and agriculture – with an ESG integrated investment process and philosophy.

The team has a track record spanning over 30 years across property finance, real estate investment, development and construction, and has deployed and managed over $5 billion of loans in Australia and New Zealand over the past 10 years with zero loan impairments. Given the return for the lowest level of risk available in the capital structure and considering the current economic environment and asset price stress, Woodbridge believes the most attractive risk-adjusted returns in Private Credit are currently available through first mortgage loans that rank first in the capital structure.

The Woodbridge Private Credit Fund (the Fund) is an Australian open-ended, unregistered, unit trust. The Fund provides wholesale investors with direct and indirect exposure to first mortgage (senior secured) asset-backed commercial real estate and agriculture loans in Australia and New Zealand. All loans in the Fund are first mortgage (senior secured) loans only and have a valuation prepared by an independent, qualified, and registered valuer.

The Fund does not provide exposure to high-risk loans such as mezzanine finance, second mortgage or preferred equity. It also does not include agriculture loans backed by commodities such as water, livestock, or cropping.

The Woodbridge Private Credit Fund is available on the following leading platforms:

BT Panorama
Macquarie Wrap
Netwealth
HUB24
Mason Stevens
Powerwrap

SQM Research has recently initiated coverage on the Woodbridge Private Credit Fund with a ‘Favourable’ rating. SQM Research concludes the Fund has potential to outperform over the medium-to-long term.

More Information

Request Information Memorandum

Request Information Memorandum
Monthly Fund Update
Product Overview
Forms
Tax Information

Key Fund Information

Fund Facts

Key Fund Facts

Fund Type	Wholesale, open ended unit trust
Minimum Investment	$25,000
Distributions	Monthly
Liquidity	Quarterly (monthly best endeavours)
Fees	Management Fee – 0.50% p.a. Performance Fee – Nil
Floating Rate Loans	100% of Loans
Reporting	Monthly
Asset Allocation	Commercial Real Estate ~ 80% Agriculture ~ 20%
Geographic Allocation	Australia ~ 70% New Zealand ~ 30%
External Trustee	AGP Investment Management Limited

Why Invest

Transparency

Woodbridge is committed to investor transparency in everything it does. It is transparent with its loan portfolios, loan monitoring reports and its loan fees.

No Blending

The Fund contains first mortgage (senior secured) loans only. It is not a blended portfolio of ‘hidden’ mezzanine finance, second mortgage, preferred equity, non-asset backed or corporate loans.

Active Loan Management

Woodbridge actively manages all loans in the portfolio including physical monthly inspections and loan monitoring reports. They do not manage loans remotely.

Capital Preservation

The Fund is solely focused on lower risk first mortgage (senior secured) loans and capital preservation throughout the credit cycle. Woodbridge takes a no surprises approach to investing.

Inflation Hedge

All loans in the Fund have fully floating interest rates (RBA cash rate plus margin) with a floor, providing investors a hedge against inflation. All RBA cash rate increases are passed onto investors.

90 Day Valuations

All loans in the Fund have a valuation prepared by an independent, qualified and registered valuer, no older than 90 days old at financial close and stress tested to a 10%-40% decline in asset prices.

Exit Strategy

The Fund structures all loans to ensure the borrower has a viable ability to service and repay the loan at the expiry of the loan term – the Fund does not take a ‘loan to own’ approach.

ESG Framework

All loans in the Fund go through an ESG integrated investment process and negative screen prior to investment to ensure they align with Woodbridge’s responsible investment framework.

The Manager

Woodbridge Capital (Woodbridge) is an Australian and New Zealand investment manager and alternative (non-bank) lender specialising in finance across commercial real estate and agriculture – with an ESG-integrated investment process and philosophy.