Explains how the Fund works, its investment strategy, key risks, fees and your rights as an investor.
Important Documents & Investor Information
Everything you need to understand Moneybox™, including PDS, TMD, fees and privacy.
Before investing
Important documents
These are important documents for the Moneybox Credit Fund. Please download and review each document before committing funds.
Target Market Determination (TMD)
Defines the type of investor the Fund is designed for, the distribution conditions and the triggers for ongoing review.
Financial Services Guide (FSG)
Outlines the financial services we provide under our AFSL, how we are remunerated and how you can raise a complaint.
Understanding private credit
Why consider investing in a private credit fund?
Private credit means lending to businesses through private (non-bank) loans, typically backed by some form of security. It can play a role in a diversified portfolio because it behaves differently from shares and listed bonds, carrying its own risks but potentially providing varied investment horizons.
Portfolio diversification
Returns from asset-backed loans often move independently of share markets, which could spread risk across different asset classes.
Income potential
Private credit lending typically pays a rate of interest that can provide regular income, although the level of income will vary and is not guaranteed.
Access to asset‑backed lending opportunities
It allows investors to participate indirectly in funding businesses through loans backed by collateral such as invoices, equipment or property.
Legals and policies
The docs.
Terms, policies, and operational details relating to the Moneybox™ platform and services.
The Investment option
Simplified income investing
Core Opportunities
Moneybox Core Opportunities is focused on targeting stable and consistent returns by financing Small and Medium-Sized Enterprises (SMEs) vis asset-backed lending opportunities across Australia, New Zealand and the wider APAC region.
The portfolio is focused on a mix of private-credit opportunities—such as invoice, trade, asset, business, agricultural and property finance.
Key points:
Focus on stable, income‑oriented loans.
Diversification across multiple borrowers, sectors and geographies.
Utilisation of various types of security and collateral.
Target Return
RBA Cash Rate + 3.00%
(7.10% as of March 17, 2026)
Target return - RBA Cash Rate + 3.00% p.a.*.
Minimum initial investment - $5,000.
Minimum holding period - 12 months.
Withdrawal notice - 30-days before end quarter.
(longer for large redemptions and withdrawal restrictions may apply.)
Risk level - Medium.
Management Fees & Costs - 0.36% p.a. of net trust value
(other fees and costs may apply).
Quarterly Distributions (earnings) - Option to reinvest or payable as income.
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