Private Credit

    Institutional-grade access to Private Credit Investments through curated deal flow from private credit funds Australia and direct issuers (wholesale only).

    Tap into senior secured loans, mezzanine tranches, and asset‑backed facilities that target predictable coupons while prioritising capital preservation. Every opportunity undergoes collateral analysis, covenant design, and stress‑testing before we present it to you.

    What We Offer

    Secured income opportunities:

    Senior/first‑lien loans and asset‑backed facilities with defined coupon profiles.

    Enhanced yield options

    Select mezzanine or hybrid tranches for higher return potential (with clear risk flags).

    Diversified access

    Direct placements and allocations via private credit funds Australia, specialty lenders, and co‑lending structures.

    Clear documentation

    One‑page memos with collateral summary, LVRs, cash‑flow coverage, covenants, key risks, and exit terms.

    How It Works

    Diligence

    Collateral due diligence, covenant setting, sensitivity analysis, downside cases.

    Execute

    Coordinate allocations, legal docs, funding and settlement.

    Screen & originate

    We source and pre‑qualify opportunities aligned to your mandate (wholesale only).

    Present

    Deal pack with yield, structure, risk mitigants, and timeline.

    Monitor

    Ongoing covenant checks, KPI tracking, and event alerts.

    Risk controls built‑in

    Security & collateral

    First‑ranking charges, conservative LVRs, ring‑fenced cash flows where available.

    Covenants & reporting

    Interest cover, leverage caps, information rights, step‑in mechanics.

    Diversification

    Borrower, sector, tenor, and instrument mix to reduce concentration risk.

    Downside planning

    Workout playbooks and enforcement pathways clearly articulated in advance.

    Who this suits

    Wholesale investors seeking income stability with asset‑backed downside protection, delivered via curated Private Credit Investments and specialist manager access.

    FAQ's

    What types of private credit investments does Vitti Capital offer in Australia?

    Vitti Capital provides access to institutional-grade private credit investments in Australia, including senior secured loans, mezzanine finance, asset-backed lending, and private credit funds for wholesale investors. Each opportunity is screened through collateral analysis, covenant testing, and downside risk assessment before presentation.

    Private credit investments can offer higher yield potential and stronger downside protections compared to traditional fixed-income products such as term deposits or government bonds. Through secured lending structures, conservative LVRs, and covenant protections, private credit may help Australian wholesale investors generate more predictable income while maintaining capital discipline.

    Vitti Capital’s private credit opportunities are available to wholesale investors in Australia seeking income-focused investments, diversified exposure, and asset-backed lending opportunities. These solutions are designed for sophisticated investors, family offices, and high-net-worth individuals looking beyond traditional share market investments.

    Vitti Capital applies multiple risk controls across its private credit investments, including first-ranking security interests, covenant monitoring, diversified borrower exposure, collateral due diligence, and stress-testing of repayment scenarios. The focus is on preserving capital while targeting consistent income generation across changing market conditions.

    Private credit funds in Australia are attracting more investors due to rising interest rates, tighter bank lending conditions, and demand for alternative income investments. Many wholesale investors are using private credit to diversify portfolios, access non-bank lending opportunities, and achieve stable yield outcomes with structured downside protection.