Private Credit Simplified for Advisors
Give your accredited clients exposure to 1000s of 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
Access to world-class fund managers like Ares, Golub, Apollo, and more—with over $1 trillion in collective AUM.
Diversified portfolios
Portfolio diversification across 1000+ loans from all 11 GICS sectors and multiple credit managers.
Targeting 7-12% yield
Yield targets of 7% to 12% net of fees based on your client's risk profile.
We use a proprietary scoring model to select funds from Ares, Apollo, Golub, and more of the world's highest quality private credit managers.
Experience
Fund managers with 10+ years of track record across multiple market cycles.
Scale
Managers with multi-billion dollars in assets under management.
High-quality yield
Stable distributions from funds with 90%+ first lien senior secured loans.
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
We personalize and manage your clients’ investments, ensuring ongoing portfolio optimization.
We personalize and manage your clients’ investments, ensuring ongoing portfolio optimization.
Personalization
We customize client portfolios on your behalf, targeting specific yields and more based on each client’s personal preferences.
Automated Management
We automatically allocate and rebalance investor portfolios for you, adding new loan exposures, depending on their risk preferences.
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.
No minimum client investment
No 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
$100B+
See how you can simplify private credit at your firm.
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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.