Frequently Asked Questions

Investors have a claim on the loan book. This point is mentioned in the investor contract. Even though this is a low-risk investment, there are always risks involved with any investment (even with the bank). We have thousands of clients spread throughout Australia in many different industries. They will all have to fail at the same time for UCapital to be trouble. Our low default rate is evidence that our loan book is healthy. Find more information on the subject here

A minimum investment of $100,000 over a 2-year contract period with a 120 day notice period. The interest rate depends on the loan amount, and terms agreed on. Interest rates start at 8.5% per annum. Find more information on the subject here

Yes! Keeping in mind though that the trustees need to be prudent and measure the merits of the opportunity before investing. This type of opportunity can be dealt with in their trust investment policy. Find more information on the subject here

We are an alternative business loan supplier providing loans from $5-$250k. “We Say YES when the banks say NO“. Banks have declined to help many good businesses. Because we look at the deal differently, we have helped many companies with capital to grow. Find more information on the subject here

We have aligned ourselves with the experts in the industry. We lend responsibly. Take a look at our risk management section of our investor info pack. After many years, we know the return we get on our loan book. All the money we raise goes into the loan book. When the time comes to pay back an investor, we adjust our daily loan book investment. Doing this helps free up the investor’s money in enough time to repay the loan. Our current investors are happy to give testimonials. We have never let our investors down. Find more information on the subject here

To be clear….we are not financial advisors or planners. You need to seek personal financial advice with regards to this investment. At face value this might seem like a high-risk investment, especially considering the high-interest rates we offer. Here are the reasons why we feel this is a low to medium risk investment:

• UCapital is part of one of the most recession-proof industries. Our clients (SME’s) are the most resilient when the economy takes a downturn.
• Our clients are all over Australia in all types of industries. They would all need to fail at the same time for us to be in trouble.
• We use a well-seasoned credit model.
• You have security on the loan book.
• We have never let an investor down.

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Where you invest your money depends on your risk profile and your investment policy. Property still is a good and relatively safe investment. Here are a few reasons why some people have invested with UCapital instead:

• At the moment, The UCapital investment offers a higher return per annum than many properties (all costs considered).
• Investing in UCapital Is hassle-free in comparison to an investment property. Dealing with tenants, Airbnb etc can be frustrating and time-consuming.
• Many people don’t have enough money to buy a property, so investing $50-$500K with us is convenient.
• Many people like the monthly interest payments to supplement their income.

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Where you invest your money depends on your risk profile and your investment policy. Some blue-chip stocks are a good and relatively safe investment. Here are a few reasons why some people have invested with UCapital instead:

• At the moment, the UCapital investment offers a higher return per annum than most stocks or share.
• There is no volatility investing with UCapital. You know what you are going to get.
• Many people feel unqualified to trade in the stock market.
• Our investors love the regular monthly payments we offer to supplement their income.
• It’s not one vs the other -Shares vs UCapital. Why not try a combination of both? It makes perfect sense to spread your risk and diversify your investment portfolio.

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