Skip to content
EFLOW Capital Private Credit Fund Now Open to Investors →
Learn more
Apply for Funding

Where Stability Meets Real Returns.

EFLOW Capital Private Credit Fund I is built for investors who demand consistent, downside-protected cash flow—without relying on volatile public markets. With just $1,000, you gain access to globally diversified, asset-backed private credit deals, structured to deliver preferred returns, profit participation, and full transparency. Powered by advanced AI underwriting and managed by a team committed to capital preservation and performance, this fund redefines how income-focused investing should work in today’s unpredictable economy.

Start Investing Now
AdobeStock_1090910467

At a Glance

8%
Preferred Return
$1,000
Min Investment
10.8%
Net Yield

An Asset Class That Doesn't Blink

Quick facts that drive confidence.

While the stock market panics and bonds underdeliver, private credit stands tall. It’s not tied to market swings, and your income isn’t speculative—it’s contractual. With borrowers repaying structured, asset-backed loans, you’re earning real income while others wait for a rebound.

  • Uncorrelated to public markets
  • Historically low default rates
  • Strong yields, even in downturns
  • Direct relationship with borrowers
Investor qualification
output (6)

We Built This Fund with One Goal: Protect & Grow Capital.

EFLOW Capital Private Credit Fund I is designed with a "Preferred Return First" model—meaning investors get paid before the fund manager profits.

  • 8% Preferred Return: You earn first.
  • 85/15 Profit Split: After you earn, we share what’s left.
  • Low Fees, No Layers: No hidden markups or stacked management tiers.
  • Monthly Cash Flow: Real-time income from global loan repayments.
EFLOW_Waterfall_Investor_Returns

We Don’t Chase Risk. We Engineer Yield.

Every loan in the portfolio is AI-underwritten, collateral-backed, and vetted by our global origination partners. We lend where others can’t reach—and we do it with discipline.

  • Proprietary AI borrower scoring
  • Short-duration loans with collateral protection
  • Global origination pipeline
  • Ongoing borrower monitoring + real-time alerts
output (9)

Why Private Credit Now?

Why Private Credit Is Booming.

With public markets in flux, banks pulling back, and private lending yields climbing, private credit has become the go-to asset class for investors seeking yield and downside protection.

  • Bank lending is at a 15-year low—borrowers need alternatives.
  • Private credit deals offer strong, negotiated yields and better terms.
  • Institutional investors are shifting into private credit at record pace.
  • EFLOW gives you access without the institutional barriers.
output (31)

What $5,000 Becomes Over 5 Years.

With an average net annual return of 10.8%, even a modest $5,000 investment in EFLOW Capital’s Private Credit Fund compounds powerfully over time. This isn’t speculative growth—it’s the result of structured, collateral-backed lending, delivering steady returns year over year.

  • Steady Compounding: Your capital grows year over year with a consistent 10.8% net annual return—no market timing required.
  • Real Income Engine: Returns are backed by real borrowers and structured private credit deals, not speculation or volatility.
  • Access Starts Small: A $5,000 investment today becomes over $8,300 in five years—accessible, reliable, and scalable.
  • Reinvest or Withdraw: Choose to compound your gains or collect regular cash flow through monthly or quarterly payouts.
output (13)-1

Fund Snapshot

Core terms and structure—designed for income, access, and security.

output (10)

Preferred Return

Investors earn an 8% return before profit sharing.

Annualized Return (Net)

Targeting 10.8% annually after fees and expenses.

Minimum Investment

Start investing with just $1,000.

Profit Split After Pref

Investors receive 85% of profits after the preferred return.

Payout Frequency

Cash flow paid monthly or quarterly.

IRR Range

Projected internal rate of return between 11% and 13%.

Fund Type

Private direct lending fund structure.

Strategy

Focused on senior secured, income-generating loans.

Geographic Exposure

Lending across a globally diversified borrower base.

Liquidity Window

Redemption requests honored on a rolling 12-month basis.

COMPARE US TO THE GIANTS

We’re Not Just Competing With Wall Street—We’re Outperforming It.

output (16)

STABILITY IN UNSTABLE MARKETS

Stability in Unstable Markets.

When public markets collapse, private credit stands resilient. While the S&P 500 saw sharp drawdowns in 2008, 2020, and 2022, EFLOW Capital’s secured, income-focused lending strategy is designed to deliver stability,  even when public markets can't.

  • Structured to deliver consistent, income-based returns
  • Backed by collateralized, real-world borrower assets
  • Not tied to daily market volatility or sentiment
  • Inspired by institutional-grade credit strategies
output (22)

GET STARTED TODAY

Real Cash Flow Starts Right Here.

Open your account in minutes. Fund with fiat or crypto. Start earning from the most resilient income-generating strategy in modern finance.

  • Instant access to institutional-grade deals without gatekeepers
  • Built-in downside protection through collateralized lending
  • Transparent reporting with full investor visibility
  • Real cash flow—not speculative gains or delayed exits
output (20)
Invest now

Diversified Lending Across Assets, Borrowers, and Geographies

Where Your Capital is Deployed.

We deploy capital strategically across diversified lending opportunities to maximize return potential and minimize risk. Our secured private credit deals span asset types, industries, and global markets—creating strong, resilient income streams.

  • Senior Secured Loans (Primary Strategy)
  • Asset-Backed Lending (Collateralized Deals)
  • Global Diversification Across Developed Markets
  • Industry-Specific Lending: Real Estate, Infrastructure, Trade Finance
output (35)

Strategic Diversification for Stable Income

Strategic Capital Deployment Plan

At EFLOW Capital, our investment strategy is built to deliver consistent income and minimize risk by targeting a diversified mix of secured lending opportunities. Our planned portfolio structure emphasizes senior secured and asset-backed lending, diversified across industries and geographies to maximize stability and optimize yield for our investors. These allocation targets reflect our approach to disciplined, risk-aware capital deployment.

  • Focus on Senior Secured and Asset-Backed Lending
  • Concentration on North America and Developed Global Markets
  • Designed to Maximize Collateral Protection and Cash Flow Reliability
  • Structured to Maximize Collateral Protection and Return Consistency
Industry_Allocation_Target_Optimized

Important Disclosure

"The portfolio allocation targets presented are intended for illustrative purposes only and reflect EFLOW Capital’s investment strategy as of the date of offering. Actual portfolio composition may vary depending on market conditions, borrower demand, and capital deployment schedules."

wawapop_Order_FO513BA4CFF41_KZ00A_R00A(s)_icon_Dp (1) (1)

Live Holdings Reporting

Detailed portfolio holdings, borrower updates, and loan-level insights will be available exclusively to active investors through the secure Investor Portal.  Investors will gain full visibility into capital deployment progress, loan performance, and portfolio composition as the fund advances through each stage of deployment.

output (36)

Preserve Capital with Secured Lending

Our first priority is protecting investor capital. We invest in senior secured and asset-backed loans, backed by real collateral and underwritten through rigorous risk scoring, ensuring first-position claims and downside protection.

 

output (37)

Deliver Consistent, Predictable Income

We aim to generate stable, recurring cash flow through monthly or quarterly interest payments. Our focus is on lending structures that prioritize steady yields, not speculative gains, ensuring reliable distributions.

output (38)

Diversify Across Industries and Markets

Risk mitigation is built into our model through diversified exposure. Our portfolio targets multiple industries and geographies, providing broad protection against single-market volatility while enhancing income opportunities.

wawapop_Order_FO513BA4CFF41_KZ00A_R00A(s)_icon_Dp (1) (1)

Investor Resources

All official fund documents, offering materials, and investor resources are securely available inside the EFLOW Capital Investor Portal. Please log in or create an account to access the Private Placement Memorandum (PPM), Subscription Documents, Fund Overview, and more.

Investor Timeline: From Subscription to Distributions

A clear step-by-step overview of the EFLOW Capital Private Credit Fund I investment process—from completing your subscription to funding your capital commitment and receiving periodic distributions.

Submit Your Investor Interest

Start by completing our investor interest form. This notifies our team that you'd like to participate in EFLOW Capital Private Credit Fund I. Once received, we’ll provide you with our investor onboarding packet and next steps.

Review Offering Documents

You’ll receive the Private Placement Memorandum (PPM), Investor Subscription Agreement, and Fund Overview. These documents outline the fund structure, strategy, risk disclosures, and your rights as an investor.

Verify Accreditation Status

To remain in compliance with Regulation D, Rule 506(c), we require all investors to verify their accredited status. This can be completed via third-party verification, CPA/attorney letter, or income/net-worth documentation.

Execute Subscription Agreement

Once you’ve reviewed and approved the fund terms, you'll electronically sign the Subscription Agreement. This confirms your capital commitment to the fund.

Fund Your Investment

Fund via bank transfer or IRA directly through the portal. For USDC or USDT, secure wallet instructions are provided separately. Funds are held in custody before deployment.

Capital Deployment Begins

Your committed capital is allocated across a diversified portfolio of senior secured and asset-backed loans. Deployment occurs in tranches and begins generating income within weeks of funding.

Receive Your First Distribution

Depending on your selected payout frequency (monthly or quarterly), you’ll begin receiving distributions directly to your linked account. Investors also receive a breakdown of interest payments, profit participation, and performance reporting.

Ongoing Fund Reporting

You’ll gain access to your secure investor portal where you can view fund performance, capital allocations, borrower updates, and download monthly or quarterly statements.

Redemption & Reinvestment Options

After the initial 12-month lock-in period, you may request a full or partial redemption in accordance with the fund’s rolling redemption terms. Alternatively, reinvest your distributions to compound growth within the fund.
Click to Start Your Investment Today

Monthly Reporting & Transparency

Full Visibility Into Your Investment.

We provide monthly performance reports, loan-level updates, and payout summaries—so you're never in the dark.

  • Monthly statements delivered to your secure investor portal
  • Summary of capital deployed, repayments, and upcoming returns
  • Real-time updates on fund performance and borrower activity
  • Optional email alerts and snapshot PDFs
Investor Sign up
output (21)

Aligned with Your Success

A Simple Fee Structure That Puts Investors First.

At EFLOW Capital, we keep fees simple, transparent, and aligned with investor outcomes. You earn first—with an 8% preferred return—before we share in any success. No hidden costs. No surprises. Just pure performance alignment.

  • 1.5% Annual Management Fee
  • 8% Preferred Return Before Profit Sharing
  • No Redemption Fees or Hidden Charges
  • Optional email alerts and snapshot PDFs
output (33)

LEGAL & COMPLIANCE

Reg D 506(c) Offering

Our fund is structured under SEC Regulation D, Rule 506(c), allowing us to market to accredited investors with full legal transparency.

Open to Accredited Investors

Participation is limited to accredited investors, ensuring regulatory compliance while offering high-value opportunities.

IRA / 401k Rollovers Allowed

We accept capital through self-directed IRAs and 401k rollovers, enabling tax-advantaged growth.

SEC Exempt Reporting Adviser (ERA)

EFLOW Capital operates as an Exempt Reporting Adviser, registered with the SEC under applicable exemptions.

Full KYC/AML and Blue Sky Compliance

All investor onboarding includes full Know Your Customer (KYC) and Anti-Money Laundering (AML) screening, as well as compliance with relevant state securities laws.

Third-Party Custody and Fund Administration

Investor capital is safeguarded through independent custodians and fund administrators to ensure full transparency and fiduciary protection.

The Power of Compounding Preferred Returns

output (5)

Access Investor Materials

Sign up or log in to the EFLOW Capital Investor Portal to access the PPM, subscription documents, and fund materials.

Login to Portal

Everything You Need to Know Before You Invest

Who can invest in EFLOW Capital Private Credit Fund I?

Accredited investors only, as defined by SEC Regulation D, Rule 506(c). Verification is required.

What’s the minimum investment amount?

Just $1,000—making this fund one of the most accessible private credit offerings on the market.

What returns can I expect?

The fund targets a 10.8% net annual return, with an 8% preferred return paid before any GP profit share.

How often will I receive distributions?

You choose monthly or quarterly payouts, depending on your preference.

How do I fund my investment?

Fund through our Investor Portal using bank transfer or IRA rollover. Stablecoin (USDC/USDT) is also accepted separately.

Can I use an IRA or 401(k)?

Yes, we accept self-directed IRA and 401(k) rollovers for tax-advantaged investing.

What happens after I fund?

Your capital is deployed across secured private credit deals, structured to produce steady cash flow.

Is my investment locked up?

There’s an initial lock-in period, after which redemptions are available on a rolling 12-month basis.

How do I track performance and payouts?

Log in to your secure Investor Portal to view fund performance, loan-level data, and all distributions.

Where can I access offering documents?

All official documents, including the PPM and subscription agreement, are available inside the Investor Portal.

Stable, Predictable Returns vs. Public Market Volatility

READY TO INVEST?

Private_Credit_Stability_vs_Public_Market_Volatility

Start Building Stable Cash Flow Today

Our Private Credit Fund is designed to prioritize your capital, deliver consistent income, and provide diversified exposure across secured lending opportunities.
With a low minimum investment and full transparency through our secure Investor Portal, investing has never been easier—or more accessible.

  • $1,000 Minimum Investment
  • Monthly or Quarterly Cash Flow Options
  • Secure Investor Portal Access
  • Full Transparency and Reporting
  • Senior Secured and Asset-Backed Lending Focus

Your path to secured, income-driven investing begins here.

Investing involves risk, including the possible loss of principal. Please review all offering materials carefully before investing. Full disclosures are available at the bottom of this page.

The Private Credit Edge Podcast

EFLOW Capital podcast show
Investing • Entrepreneurship • 23 episodes
EFLOW Capital podcast show
Latest episode
Show notes
The Future of Business Lending: Why Private Credit is Taking Over in 2025 In this episode, we dive into how private credit is reshaping business financing, why traditional banks are losing ground, and what this means for investors and entrepreneurs. Hear expert insights on the opportunities in direct lending, asset-backed financing, and the future of alternative investments.
Star Wars Finance: Using The Force Of Yield In A Market Far, Far Away
2025-05-04
18 min
Private Credit: The Lazy Investor’s Best-Kept Secret
2025-04-26
16 min
Rebuilding With Purpose: Financial Resurrection Through Private Credit
2025-04-20
18 min
Why Private Credit Is The Smartest Move In A Shaky Market
2025-04-16
21 min
More episodes

Latest Updates from EFC: Stay informed with our press releases, media features, portfolio news, and more.

AdobeStock_1103640863

Join EFLOW Capital LP!

Get exclusive insights on private credit and high-yield investments.

Important Disclosures and Risk Information

Carefully consider the fund’s investment objectives, risk factors, charges, and expenses before investing. This and other important information is available in the Private Placement Memorandum (PPM) and related offering documents, which can be accessed through the secure Investor Portal.

Investing in private credit involves risk, including the potential loss of principal. Past performance is not indicative of future results. Investments are subject to market risks, borrower defaults, liquidity risks, and other factors that could adversely affect investment returns.

EFLOW Capital does not guarantee outcomes, income levels, or return of capital. Investors should consult their legal, tax, and financial advisors prior to investing.