Β© 2026 Sumer Capital

03

Yield Opportunities

Disciplined income through structured capital

Overview

The Strategy

A private credit and structured income strategy designed to generate consistent, attractive yields through senior secured lending, asset-backed financing, and specialty credit opportunities.

We focus on lending situations where structural protections and collateral coverage provide meaningful downside protection while delivering premium yields unavailable in traditional fixed income markets.

"In credit investing, what you don't lose is often more important than what you earn. Every basis point of yield must be weighed against the probability and magnitude of potential loss."

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Investment Philosophy

The best credit investments combine attractive current income with robust structural protections. We seek situations where we can negotiate favorable termsβ€”seniority, covenants, collateral coverageβ€”that protect capital while earning yields that compensate for illiquidity and complexity. Our underwriting assumes stress scenarios and demands multiple paths to repayment.

Foundation

Guiding Principles

Capital Preservation

Principal protection through careful underwriting, appropriate collateralization, and conservative loan-to-value ratios.

Income Consistency

Predictable cash flows from contractual interest payments and structured amortization schedules.

Credit Discipline

Rigorous analysis of borrower quality, repayment capacity, and collateral value in all market conditions.

Structural Protection

Covenant packages, seniority provisions, and security interests that protect lender interests.

Fund Purpose

Investment Objective

The fund seeks to generate consistent income through a diversified portfolio of private credit investments, prioritizing senior secured positions with strong collateral coverage and creditworthy borrowers.

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Role in Investor Portfolio

Income-generating allocation for investors seeking yields above traditional fixed income with lower volatility than equity markets.

Quarterly liquidity provisions and regular distributions provide flexibility while maintaining exposure to premium private credit opportunities.

Institutional Partners

Fund Service Providers

Our funds are supported by industry-leading service providers, ensuring the highest standards of administration, audit, and legal oversight.

Fund Administrator

Apex Group

Global financial services provider delivering fund administration, corporate services, and investor solutions.

Independent Auditor

CBIZ & Marcum

Top-tier accounting and advisory firm providing independent audit and assurance services.

Legal Counsel

Stuarts Humphries

Cayman Islands law firm specializing in investment funds, corporate, and regulatory matters.

Relationship to Sumer Capital

Operates under the governance framework of Sumer Capital Management with dedicated credit analysis and portfolio management capabilities. Investment decisions are executed by the fund's specialist team while strategic oversight and risk governance remain with the platform.

Next Fund

Absolute Return

Risk-managed returns independent of market direction

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