Investor case study: Building flexibility and consistent income after a business sale

From business builder to strategic investor: how one entrepreneur found flexibility, confidence and consistent income with private credit.

Meet investor, James.

After selling the company he built for $20 million, James wanted his capital to work efficiently, without the complexity of managing property or time-intensive investments.

The challenge.

With $5 million sitting in cash, James explored several options but found most lacked the balance of yield, security, and flexibility he was seeking.

And while property had served him well in the past, he wasn’t interested in land-tax obligations or tenant management.

The solution.

James was introduced to the Capspace Private Debt Fund and was drawn to:

  • Asset-backed lending secured by real property.
  • Transparency and governance that matched his disciplined mindset.
  • Liquidity through 60-day redemptions.
  • Trusted leadership with a strong track record.

He began with a $900,000 investment, and after 12 months of steady monthly income and clear communication, increased his allocation to $2 million.

“It’s not about chasing the highest return. It’s about weighing risk intelligently and making my capital work efficiently. Capspace gives me that balance.”

- James

The outcome.

Private credit is now a key part of James’s diversified portfolio. He values:

  • Consistent monthly income to complement his broader strategy.
  • Flexibility to access capital for future business opportunities.
  • Security and confidence from conservative lending and strong reporting.

Reflection.

For James, Capspace represents more than an investment. It’s a trusted partnership built on discipline, transparency and performance.

*This case study reflects an actual investor experience, shared with adjustments to protect client privacy. Past performance is not a reliable indicator of future results.

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Why investors choose Capspace.

  • Security with discipline: Every loan is backed by real assets such as property, business assets, and personal guarantees, and passes through a multi-stage credit assessment.
  • Consistent income: Monthly distributions provide reliable cash flow for retirement planning, SMSF drawdowns, or simply keeping pace with rising living costs.
  • Diversification: Exposure to a broad mix of borrowers and industries reduces concentration risk while delivering steady returns.
  • Clear boundaries: Capspace does not lend to construction or development projects, reducing exposure to higher-risk sectors.
  • Liquidity confidence: 60-day redemptions, with 100% of requests met to date, give investors assurance their capital is accessible.
  • Proven track record: Since inception, the fund has consistently achieved its 8%–10% p.a. target returns.
  • Transparency and trust: Investors have direct access to dedicated client liaisons and Capspace’s directors, supported by clear reporting.
  • Industry recognition: Recognised as a finalist for Best Fund Manager of the Year – Private Credit, Innovator of the Year, and Non-Bank of the Year.
  • Positive impact: By funding Australian SMEs, investors support local growth, and through initiatives like Most Important Meal, also help ensure no child goes to school hungry.

Interested in how private credit could fit into your portfolio? Have a chat with Sean O’Neil, Business Development Manager – Investments, and subscribe to our monthly investor newsletter to receive insights, updates, and opportunities straight to your inbox.