At Merx, the loans the Merx Private Credit Fund invests in are backed by security. We take security over business or property assets to help provide options for recovery if things don’t go to plan.
What Security Protects My Investment?
A common question from prospective investors is whether our loans are secured. The answer is yes. All loans in the Merx Private Credit Fund are backed by security against local business and property assets.
Our evaluation process for finance applications is thorough and designed to assess whether each lending opportunity is suitable for the Fund. However, rigorous assessment alone does not fully mitigate risk; the security of our investments is crucial.
As at 30 June 2026, the Fund held 47 unique loans, with an average loan size of approximately $794,000. No single loan exceeded 10% of total portfolio value at quarter end. The portfolio was primarily secured by first mortgages, with around 89% of the portfolio first-mortgage secured, and the weighted average LVR on property-secured loans sitting at around 56%.
“Easy to lend it, hard to get it back…”
The Merx Private Credit Fund invests in loans. There is an old saying that it is “easy to lend [money], it can be hard to get it back.” Our thorough vetting process and formal process of taking security to protect our loan investments are important steps to mitigating risks in our loan investments.
The Track Record?
Our assessment process and strong security requirements have resulted in a reliable track record. Our assessment process and security requirements are designed to support disciplined lending and help manage risk across the Fund.
In short, at Merx, we combine rigorous assessment with strong security measures to safeguard our investments and minimise risk.
If you’d like to know more about the Merx Private Credit Fund, or have questions as a current investor, don’t hesitate to get in touch.
Note: This article is intended to provide general information and does not constitute financial advice. We recommend you speak with a financial adviser for advice tailored to your individual circumstances. Investors must qualify as “wholesale investors” as defined in Schedule 1 of the Financial Markets Conduct Act 2013. The Fund is not suitable for retail investors.