IFSAM is a Singapore-based Licensed Fund Management Company (LFMC) regulated by the Monetary Authority of Singapore (MAS). We specialise in private credit lending, with a primary focus on asset-backed financing secured by real-estate and provide structured credit investments to institutional and accredited investors, offering stable, risk-adjusted returns while ensuring strong downside protection through high quality collateral.
Being part of the PhillipCapital Group of companies and leveraging on over 30 years of experience from our parent company, IFS Capital Limited, our team of highly experienced finance professionals aim to provide secured debt capital solutions to support SME business growth over the years.
With a foundation built on stability, precision, and disciplined risk management, we are committed to long-term value creation through strategic credit opportunities.
Risk management is central to our investment strategy. We employ:
- Strict collateral requirements, ensuring all loans are backed by high-quality real estate.
- Conservative loan-to-value (LTV) ratios, maintaining a strong security buffer.
- Rigorous underwriting and due diligence, assessing borrower strength and asset value.
- Active portfolio monitoring, ensuring proactive risk mitigation throughout the investment lifecycle.
Private credit offers higher yield potential comparted to traditional bonds, with lower correlation to public market volatility. By focusing on secured lending, the fund provides strong downside protection while generating predictable cash flows.
Our fees are competitive and performance-driven, ensuring our interests are aligned with investors. Please contact us at info@ifsam.com.sg for more details.
Applying for a financing loan with IFSAM is a streamlined and structured process designed to provide tailored credit solutions. Please contact our team at info@ifsam.com.sg or use our contact form.
A VCC is a flexible corporate structure for investment funds in Singapore, designed to optimize capital management, tax efficiency, and investor protection. It allows for:
- Flexible Capital Structure: Investors can subscribe and redeem shares without shareholder approval.
- Umbrella Fund Framework: Multiple segregated sub-funds under a single legal entity.
- Tax Efficiency: Eligible for Singapore’s tax incentives.
- Confidentiality: No public disclosure of shareholder registers.
- Regulatory Oversight: Managed by a licensed fund management company, regulated by MAS.
A VCC is a flexible corporate structure for investment funds in Singapore, designed to optimize capital management, tax efficiency, and investor protection. It allows for:
- Flexible Capital Structure: Investors can subscribe and redeem shares without shareholder approval.
- Umbrella Fund Framework: Multiple segregated sub-funds under a single legal entity.
- Tax Efficiency: Eligible for Singapore’s tax incentives.
- Confidentiality: No public disclosure of shareholder registers.
- Regulatory Oversight: Managed by a licensed fund management company, regulated by MAS.
The IFSAM Private Credit Fund (IPCF) is a closed-ended private credit fund incorporated under a Variable Capital Company (VCC) structure focused on asset-backed lending, primarily secured by real estate collateral. The fund aims to deliver stable, risk-adjusted returns by financing SME businesses through structured credit solutions.
These businesses will typically be companies which are unable to access financing from traditional banks for working capital needs. We assist these businesses by providing asset-backed direct lending facilities.
The fund is open to institutional investors and accredited investors seeking exposure to private credit opportunities.
The fund targets consistent, risk-adjusted returns of 5% - 6% with a focus on capital preservation and income generation. Returns vary based on market conditions, loan terms, and portfolio composition. Past performance is not indicative of future performance.
The IFSAM Private Credit Fund is currently closed and no longer accepting new subscriptions. However, investors interested in a similar strategy can consider the IFSAM Private Credit Income Fund, which has an investment approach focused on asset-backed private credit opportunities.
For more details on the IFSAM Private Credit Income Fund and subscription availability, please contact our team at info@ifsam.com.sg or use our contact form
The IFSAM Private Credit Income Fund (PCIF) is a continuation of the IFSAM Private Credit Fund (IPCF), designed to provide investors with stable, risk-adjusted returns by financing SME businesses through structured asset-backed credit solutions. PCIF is an open-ended private credit fund incorporated under a Variable Capital Company (VCC) structure.
These businesses will typically be companies which are unable to access financing from traditional banks for working capital needs. We assist these businesses by providing asset-backed direct lending facilities.
The fund is open to institutional investors and accredited investors seeking exposure to private credit opportunities.
The fund targets consistent, risk-adjusted returns of 5% - 6% with a focus on capital preservation and income generation. Returns vary based on market conditions, loan terms, and portfolio composition. Past performance is not indicative of future performance.
Subscription to the IFSAM Private Credit Income Fund is restricted to qualified investors who meet the eligibility criteria of either:
1. Accredited Investors (AI) – Individuals or corporations mentioned under section 4A(1)(a) of the Securities and Futures Act 2001 (SFA); or
2. Institutional Investors – Entities mentioned under section 4A(1)(c) of the SFA.
All prospective investors must undergo a Know Your Customer (KYC) and Anti-Money Laundering (AML) screening before subscription approval.
For further details on eligibility and the application process, please refer to the fund’s offering documents or contact our team at info@ifsam.com.sg.
1. Investor Qualification
- Investors must meet accredited investor (AI) or institutional investor criteria under section 4A(1) of the Securities and Futures Act 2001 (SFA).
- Eligibility verification through financial and/or regulatory documentation.
2. Subscription Application
- Complete and submit the subscription form along with Accredited Investor Opt-In Form (if required) at least five (5) business days before the subscription date.
3. Transger of Funds
- Transfer funds to the designated bank account as per subscription instructions at least two (2) business days before the subscription date.
- Subscription will be processed based on the Net Asset Value (NAV) of the fund on the last business day of the month before the subscription date.
4. Subscription Confirmation and Updates
- Investors will receive confirmation of their investment allotment.
- Regular updates on NAV, distributions, and portfolio performance will be provided.
For further details or to initiate your subscription, please contact our team at info@ifsam.com.sg or use our contact form.
Yes, the IFSAM Private Credit Income Fund has a minimum subscription requirement, which varies by investment class:
Class A: Minimum initial subscription of $10,000.
Class B: Minimum initial subscription of $100,000.
Additional investments may be made in increments of $10,000.
For specific details on the minimum subscription amounts and share class options, please refer to the fund’s offering documents or contact our team at info@ifsam.com.sg.
IFSAM Private Credit Income Fund distributes returns to investors on a quarterly basis. All distributions are subject to fund performance, market conditions, and investment terms.
Yes, the IFSAM Private Credit Income Fund has a lock-in period, which varies based on the investment class chosen:
Class A: 9-month lock-in, with an option for early redemption subject to a penalty fee.
Class B: 9-month lock-in, during which redemptions are not permitted.
For more details, please refer to the fund’s offering documents or contact our team at info@ifsam.com.sg.
Redemptions from the IFSAM Private Credit Income Fund are processed on the first business day of each month, subject to the following conditions:
Class A: After a 9-month lock-in period, redemptions are allowed monthly, with a 3-month advance notice. Early redemptions within the lock-in period are subject to a penalty fee.
Class B: Redemptions are not permitted during the 9-month lock-in period. After this period, redemptions are allowed monthly, with a 3-month advance notice.
Redemption Process & Cut-Off Timings:
Notice Period: Redemption requests must be submitted no later than 5PM Singapore time on a business day at least 3 calendar months prior to the redemption date.
Redemption Valuation: The NAV for redemptions will be based on the valuation as of the last business day of the month before the redemption date.
Minimum Balance: A minimum balance of $10,000 must be maintained in the account after redemption.
For further details on redemption procedures, please refer to the fund’s offering documents or contact our our team at info@ifsam.com.sg