Private lending built around collateral, LTV discipline, and transparent borrower underwriting.
Private Credit Opportunities for Accredited Investors
Zion Wealth helps qualified investors evaluate private lending opportunities where collateral, term, borrower capacity, loan-to-value, servicing, liquidity, and downside risk are reviewed up front.
What private credit means here
Asset-backed lending
Opportunities may include real estate lending, auto lending, or other private credit structures where repayment is supported by a borrower obligation and reviewed collateral.
Defined terms
Typical opportunities are reviewed around stated term, interest structure, collateral package, loan-to-value, borrower profile, and expected repayment path.
Investor role
Investors generally review a specific opportunity and decide whether the structure, risk, and documents fit their own objectives and constraints.
Underwriting and monitoring
Review criteria
- Collateral type and valuation support
- Loan-to-value and margin of safety
- Borrower background and repayment capacity
- Documentation, security, priority, and servicing
- Exit path, default process, and expected timeline
Monitoring questions
- Who reports performance and payment status?
- What events require investor notice?
- How are extensions, defaults, and workouts handled?
- What fees or referral economics apply?
Anonymized example structures
Example A
15% stated annual interest, interest-only structure, 80% loan-to-value. Example only; availability, terms, documents, risk factors, and investor outcomes vary by opportunity.
Example B
12% stated annual interest, interest-only structure, 70% loan-to-value. Example only and not a representation that similar economics or structures will be available.
Investor fit and key risks
Potential fit
Accredited investors who can evaluate individual opportunities, tolerate limited liquidity, and understand that collateral does not eliminate risk.
Primary risks
Borrower default, collateral valuation, enforcement timing, documentation defects, platform risk, concentration risk, and lack of a secondary market.
Fee and conflict review
Referral or other economics may apply and should be reviewed in the relevant diligence package before proceeding.
Private credit FAQ
Are private credit returns guaranteed?
No. Private credit involves risk, including loss of capital and delayed or reduced repayment.
Does collateral remove the risk?
No. Collateral can support recovery, but valuation, legal priority, enforcement costs, and timing all matter.
How do I request diligence materials?
Submit an inquiry to request the diligence package and discuss whether you qualify to receive private credit materials.