Private Credit Simplified for Advisors

Give your accredited clients exposure to over 3000 loans from leading private credit funds all in one portfolio and one tax document.

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Generate yield for your clients from institutional quality loans.

World-class fund managers

World-class fund managers

Access to world-class fund managers like Ares, Golub, Apollo, and more—with over $1 trillion in collective AUM.

Diversified portfolios

Diversified portfolios

Portfolio diversification across 3000+ loans from all 11 GICS sectors and multiple credit managers.

Targeting 7-12% yield

Targeting 7.5-12.5% annual returns

Annualized total return targets of 7.5% to 12.5% net of fees based on your client's risk profile.

We use a proprietary scoring model to select funds from Ares, Apollo, Blackstone, KKR, and more of the world’s highest quality private credit managers.

Experience

Experience

Fund managers with 10+ years of track record across multiple market cycles.

Scale

Scale

Managers with multi-billion dollars in assets under management.

High-quality yield

High-quality yield

Stable distributions from funds with 90%+ first lien senior secured loans.

Appropriate risk

Appropriate risk

Low non-accruals, leverage and realized losses with a high percent of first-lien loans.

Our scoring model looks for credit funds with:

  • Proven performance Audited fund financials
  • Experienced managers At least 10-year track record
  • Consistent yield At least 8% net interest rate, over life of fund
  • Low losses No more than 1% annualized loss rate, over life of fund
  • Fund scale At least $1B AUM in fund or fund family
  • Quality risk management Robust operational infrastructure and risk management framework
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We personalize and manage your clients’ investments, ensuring ongoing portfolio optimization.

Personalization

Personalization

We customize client portfolios on your behalf, targeting specific yields and more based on each client’s personal preferences.

Automated Management

Automated Management

We automatically allocate and rebalance investor portfolios for you, adding new loan exposures, depending on their risk preferences.

Ongoing Optimization

Ongoing Optimization

You can update a client’s risk preferences to change the portfolio’s exposures and target yield. 

Our process makes delivering customized portfolios simple for your firm.

Streamlined firm operations

We aggregate exposure to multiple funds for you. You simply access one agreement, one report, and one tax form for every diversified client portfolio.

Request redemption at any time

You can request redemption at any time on behalf of your clients. We aim to fulfill requests within one quarter, subject to available liquidity.

$5,000 minimum investment

Take advantage of low minimums, even for loans from private funds, making exposure to private credit simple and accessible.

Personalized for each client’s needs

Customize your client portfolios to target specific yields, sectors, and more.

Simple monthly RIA fee structure

A simple annual management fee charged monthly. Fees are automatically deducted from monthly interest received and you have the option to deduct an RIA fee.

Invest with confidence.

SEC
Registered
Heron Finance is an SEC-registered investment advisor (RIA).
$1 trillion
Aggregate manager AUM
Exposure to managers that oversee over half of the private credit market.
<1%
Low loss rates
Highest quality funds chosen for their industry-leading low loss rates.
21 years
Avg manager track record
Private credit managers with experience navigating market cycles.
As seen on:
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See how you can simplify private credit at your firm.

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The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Further, none of the information contained on this website is a recommendation to invest in any securities or a recommendation of any interest in any investment offered by Warbler Labs, Inc. or any of its subsidiaries (collectively, “Warbler”).

Any financial forecasts or financial returns, whether in the form of dividend yield or capital appreciation displayed on this website are for illustrative purposes only and are not a guarantee of future results. Private credit investments are subject to credit, liquidity, and interest rate risk. In the event of any default by a borrower, you will bear a risk of loss of principal and accrued interest on such loan, which could have a material adverse effect on your investment. A borrower may default for a variety of reasons, including non-payment of principal or interest, as well as breaches of contractual covenants. Credit risks associated with the investments include (among others): (i) the possibility that earnings of a borrower may be insufficient to meet its debt service obligations; (ii) a borrower's assets declining in value; and (iii) the declining creditworthiness, default, and potential for insolvency of a borrower during periods of rising interest rates and economic downturn.

Any investment target yield presented here is intended for informational purposes only and does not guarantee future performance or results. This model assumes no variability, including no loan defaults, fluctuations in interest rate, customer withdrawal requests, late payments, or penalties, and our management fees have remained unchanged throughout this projection. Please be aware that all investment involves inherent risks, and past performance is not indicative of future outcomes. Customers are advised to consult their own legal and tax advisers regarding their specific circumstances and needs. We do not accept any liability for any loss or damage arising from the use of this information or for any actions taken based on this information without seeking professional advice.

No communication by Heron or any of its affiliates through this website should be construed or is intended to be investment, tax, financial, accounting, or legal advice. Heron Advisory, Inc., d.b.a. Heron Finance is an SEC-registered investment advisor (RIA). Such registration should in no way imply that the SEC has endorsed the entities, products or services discussed herein.