Explains how the Fund works, its investment strategy, key risks, fees and your rights as an investor.
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
Asset-backed loans behave differently to shares. That may help spread risk.
Income potential
Private credit typically pays interest at a set rate, which can produce regular income. Income varies and isn't guaranteed.
Access
You're indirectly funding real businesses — loans backed by invoices, equipment or property.
The Investment option
Simplified income investing
Core Opportunities
Moneybox Core Opportunities is focused on targeting stable and consistent income by financing Small and Medium-Sized Enterprises (SMEs) via 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%
(7.35% as of May 6, 2026)
Target return - RBA Cash Rate + 3.00% p.a.*.
Minimum initial investment - $5,000.
Minimum holding period - 12 months.
Withdrawal requests - 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.
Get Started
Investment calculator
Use the calculator to estimate potential returns based on your inputs. Results are indicative only.
Starting deposit
Reinvesting returns:
Number of years
Select the target return *
View after
2 years
$72,500
Principle value
$22,500
Total earnings
Overview
Initial investment
$50,000
Investment period
2 years
Target return
9.10% p.a.
Earnings
$9,000
Projected Value
$59.000
* This calculator demonstrates the effects of compound interest over time. Any projected values are hypothetical, do not reflect the returns of any particular investment product and should not be relied upon. The default target return is RBA + 3%, RBA rate is 4.35% as of 6 May 2026. However, this may change over the period of your investment. Target returns are not guaranteed and past performance is not indicative of future performance. All investments carry risks. For more information, see the PDS.
Support
Frequently asked Questions
Who can invest in Moneybox?
Australian residents aged 18+ who pass our ID checks. You’ll find full eligibility details in the PDS.
What is the target return and how is it set?
The fund targets RBA Cash Rate + 3.00% p.a. It’s a goal, not a guarantee and returns may vary. Risks apply – see the PDS for details.
Is my money locked up?
Yes, there’s a 12-month minimum holding period.
After that, just give us 30 days’ notice before the end of a calendar quarter to request a withdrawal (longer notice may be required for larger redemptions).
After that, just give us 30 days’ notice before the end of a calendar quarter to request a withdrawal (longer notice may be required for larger redemptions).
Can I withdraw at any time?
After the 12-month minimum investment period, you can withdraw at the end of each calendar quarter by giving 30 days’ notice.
For larger withdrawals (over 20% of the fund or more than $100,000), it may take a little longer. Risks apply, see the PDS for full details.
For larger withdrawals (over 20% of the fund or more than $100,000), it may take a little longer. Risks apply, see the PDS for full details.
What fees will I pay?
Fees and costs may apply. For full details, including management fees and estimated costs, please refer to the Product Disclosure Statement (PDS).
Is my capital guaranteed?
No. Returns and capital are not guaranteed.
Your money is put to work, and while the goal is steady income, there’s always some risk involved.
Your money is put to work, and while the goal is steady income, there’s always some risk involved.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.
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.
Terms & Conditions
The legal terms that govern use of the Moneybox platform, digital onboarding, account operation and ongoing communications.
Helping investors access private credit opportunities once reserved for institutions, with clarity, control and purpose.
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