Premium Alternative S.A. (SICAV-SIF) Commercial Finance Opportunities IA EUR Acc

Commercial Finance Opportunities (CFO) is an experienced investor - Direct Lending Fund, focusing on invoice, asset and commercial finance opportunities primarily in UK. The Fund invests in a diversified portfolio consisting of short term commercial and industrial loans. The strategy is an absolute return - alternative investment designed to outperform traditional equity and fixed income based investments in terms of annualized market based risk. Over the medium term, the investment strategy has consistently retained low volatility and correlation to traditional equity markets and regularly outperformed them on an absolute return basis. This is achieved by investing in a diverse portfolio that carefully manages individual client and sector asset allocation risk which generates a steady stream of interest income with a low default risk both in individual cases and the wider asset class. Almost all transactions are secured on assets (often outstanding invoices and other assets of the underlying customers) frequently with personal guarantees and/or pledged securities from the borrowing customer. The majority of transactions within the Fund are procured and administered by a specialist UK based Finance Arranger which uses established and sophisticated lending systems and procedures that are often used by lending desk of major financial institutions to evaluate potential financing opportunities. Extensive underlying customer background checking, research and credit scoring is conducted before each finance agreement goes live. Additionally, use of the international resources of Prestige (and affiliated companies) enables members of the team to personally meet with many of the larger customers further assisting the Fund’s main counterparty / Finance Arranger. Members of the specialist direct lending team have extensive experience in commercial banking at major financial institutions both in the United Kingdom and the United States of America. Focuses on secured commercial and industrial lending to small and medium sized enterprise. Invests in a diverse portfolio of loans with a focus on short term invoice and cashflow finance. Niche strategy - low volatility and correlation to traditional equity, bond or commodity markets. Aims to achieve consistent absolute returns in most market conditions. Target capital appreciation: 5% - 6% p.a. Target annualized volatility: 1% p.a.