Direct lending is a form of corporate debt provision in which lenders other than banks make loans to companies without intermediaries such as an investment bank, a broker or a private equity firm. In direct lending, the borrowers are usually smaller or mid-sized companies, also called Small and Medium Enterprises (SMEs), rather than large listed companies, and the lenders tend to be wealthy individuals or asset management firms.
Direct lending is a fast growing area of finance due to its high yield opportunity. Direct-lending funds have returned 20.3% over the past year, according to data provider Preqin, and about 13% on average over the past three and five years (source: Barron’s).
By linking borrowers directly with investors without a banking intermediary, Aspire Capital is able to deliver a faster, more efficient service to customers, at a fraction of the cost while still operating at high yields. As a result of disintermediation, there are less fees inccured by investors.
The Aspire Direct Credit Fund invests exclusively in SouthEast Asian micro-cap loans originated through Aspire Capital.
By connecting investors directly with borrowers, the disintermediation of traditional funding structures allows us to deliver attractive returns with lower fees.
Your investment is spread across our vast portfolio of micro loans, industries and geographies.
Our fee structure is purely performance based, aligning us with our investors in our commitment to perform.
- Convenient: 100% Online investment process
- Competitive: 10 - 15% projected returns p.a.
- Low Lock-In Period: 1 - 6 months
Your Investment By The Numbers
Typical loan tenure period
Historical average return on our moderate portfolio
Invested across our full spectrum of micro-cap debt