Built for Cash Flow, Stability, & Capital Preservation

TheSeattleFunds Private Credit is designed for investors seeking steady income and protection of principal. The fund invests in a diversified portfolio of short-term, business-backed loans secured by income-producing businesses and real estate assets. With a historical track record of paying 8.3%+ annualized yield, investors can access a consistent and transparent income stream.

How TheSeattleFunds Private Credit Works

TheSeattleFunds provides investors with a straightforward path into private credit—without the complexity of direct lending. Capital is strategically allocated into short-term loans that finance a variety of business needs, including term loans, lines of credit, and commercial mortgages. Each loan is managed by seasoned financing professionals, ensuring disciplined underwriting and strong oversight.

Investor capital is deployed across a diversified pool of loans, typically sized between $100k–$500k (with opportunities ranging from $50k–$5M) and lasting 9–36 months. Returns are generated through monthly interest payments, which are distributed directly to investors. This model prioritizes predictable income, diversification, and downside protection.

• * Historic Yield: 8.3% annualized dividend
• * Quarterly Liquidity: Access to your capital with scheduled redemption opportunities
• * Diversification: Broad portfolio of secured, income-producing loans
• * Monthly Distributions: Regular income direct to investors

 

Investment Strategy

Our strategy emphasizes two pillars: income generation and capital preservation. Loans are secured not only by borrower business income but also by business assets, real estate, and borrower creditworthiness. In the rare case of default, these assets provide multiple recovery paths, mitigating downside risk.

For investors building diversified portfolios, private credit serves as a complement to equity, balancing volatility with steady cash flow.

 

Types of Investments

• * Term Loans– Lump-sum financing repaid with principal + interest over a set schedule.
• * Equipment Financing Loans secured by business equipment, offering collateralized protection.
• * Commercial Mortgages Financing backed by office buildings, retail centers, warehouses, or multifamily properties.

 

How Investors Earn

Investor returns are generated through the interest paid by borrowers on each loan in the fund’s portfolio. These loans are structured with fixed terms and interest rates, providing clarity and predictability. Here’s how it works:

·       Interest Payments– Businesses borrow at higher rates than banks typically offer. The fund collects monthly interest payments on these loans.

·       Monthly Distributions– After expenses and management fees, these payments are distributed to investors in the form of monthly dividends.

·       Principal Protection– Loans are secured by borrower income, business assets, or real estate. In the event of borrower default, collateral can be liquidated to recover principal, providing a layer of downside protection.

·       Liquidity Option– Investors can request quarterly liquidity, creating a balance between yield and accessibility.

This structure allows investors to benefit from a steady income stream without the operational complexities of owning or managing businesses or real estate directly.

 

Returns

* Current Dividend Yield: 8.3% annualized

• * Return Source: Monthly interest payments from borrowers
• * Variability Dividends may adjust based on loan performance and new portfolio acquisitions

 

Why Private Credit?

Private credit provides investors with direct access to lending opportunities traditionally dominated by banks. It offers steady income, reduced volatility, and lower correlation to public markets, making it a valuable diversifier. 

Debt investments are structured with fixed terms, capped upside, and priority repayment in case of borrower default, offering investors more security than equity positions.

 

Debt vs. Equity at a Glance

• * Debt: Fixed income, secured by borrower assets, no ownership dilution
• * Equity: Variable returns, dependent on rental income + appreciation, ownership dilution possible

 

Risks & Considerations

While TheSeattleFunds Private Credit is designed for stability and downside protection, all investments carry risk. Key risks include:

• Credit Risk Borrowers may default on loan obligations. While loans are secured by income and assets, recovery outcomes may vary.
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• Liquidity Risk Although quarterly liquidity is offered, redemptions are not guaranteed and may be limited during periods of high withdrawal requests.
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• Market Conditions Broader economic conditions, such as interest rate changes, credit cycles, or recessions, may impact borrower repayment ability and loan performance.
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• Valuation Risk The underlying loan portfolio is privately held and not publicly traded. Valuations are based on internal assessments and may not reflect real-time market values.
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• Concentration Risk While diversified, exposure to certain sectors or geographic markets could affect performance if those areas face significant challenges.
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Understanding these risks is essential for making informed investment decisions. Investors should evaluate whether private credit aligns with their risk tolerance, liquidity needs, and portfolio objectives.

 

Closing Note

TheSeattleFunds Private Credit is built to deliver consistent income, diversified exposure, and capital protection in today’s shifting market environment. With a proven track record, experienced management, and a disciplined approach to underwriting, this fund offers investors the ability to participate in private credit with confidence.

If you’re seeking predictable monthly income, strong downside protection, and a smart complement to equity investing, TheSeattleFunds Private Credit is a compelling solution.

Redmond’s Hottest Build-to-Rent Community

Redmond, Washington, is booming. Tech growth, population inflow, and a tight rental market make it the perfect place to invest in high-quality, purpose-built rental communities. Now, you can own a piece of it.

Why This Opportunity Stands Out

Prime Location, High Demand
Redmond’s rental market, is thriving, fueled by top tech employers and growing families. Limited housing inventory ensures strong tenant demand and consistent rental income.

Build-to-Rent Advantage
Purpose-built rental communities allow for operational efficiency, higher occupancy, and long-term cash flow—an investment model designed for stability and growth.

The Investment Opportunity

Project Highlights:

• Contemporary multifamily units with high-end finishes
• Community amenities: green spaces, fitness areas, co-working lounges
• Energy-efficient, sustainable design
• Scalable rental management for future expansion

Market Outlook

The Pacific Northwest rental market is experiencing:

1: Rapid rent growth

2: Low vacancy rates

3: High demand from tech professionals and families

4: Industry Presence: Redmond is home to major employers like Microsoft, which has over 44,000 employees in the area

Strong Rental Market & High Demand

Redmond, WA, has experienced significant growth, with its population increasing by approximately 12.2% from 73,269 in 2020 to an estimated 82,195 in 2024. 

This growth is driven by Redmond's status as a major hub for technology, digital gaming, and aerospace industries, attracting professionals and their families to the area.

Key Points:

* Population Growth According to the U.S. Census Bureau, Redmond's population was 73,269 in 2020 and is estimated at 82,195 in 2024, reflecting a 12.2% increase.

* Employment Growth While specific employment data from 2022 to 2023 isn't readily available, Redmond's job market has shown resilience. In December 2023, the city added 840 new jobs, reducing the unemployment rate to 3.2%, close to a record low

*  High job stability thanks to major employers in tech, aerospace, and healthcare.

* Leading educational institutions ensure a continuous flow of skilled professionals into the local workforce.

How Returns Are Generated

Annual Cash Flow & Appreciation: Returns from Redmond’s rental market is driven by two key factors:

* Steady income is generated through rental revenues and professional cash flow management.

* Long-term appreciation potential from high-demand properties included in the fund.

Our strategy centers on acquiring high-demand, stable assets in the Redmond neighborhood, combining consistent cash flow with strong long-term appreciation potential. 

Supported by a diversified portfolio of residential real estate, each fund asset is projected to hold $900,000 to $1,000,000 in equity. This approach is designed to maximize returns, preserve capital, and unlock attractive growth opportunities for our investors.

Investment Terms

Why Invest Now

• Capture the growth of Redmond’s rental market
• Partner with a proven development team
• Benefit from long-term cash flow and property appreciation
• Be part of a scalable, purpose-built rental community.

While the Redmond Build-to-Rent Community is a new investment opportunity, TheSeattleFunds and its experienced construction partners bring a proven track record of delivering multifamily projects on time, within budget, and with strong returns. Backed by decades of leadership in development, finance, and property management, we are uniquely positioned to execute this project with precision and create lasting value for our investors.

Own a piece of Redmond’s future. Invest in TheSeattleFunds today.