Institutional-Grade Private Credit

Private credit with a 16% preferred return. You earn first, we earn after.

We deploy asset-backed capital through a pooled private credit fund — short-duration, self-liquidating small-business receivables diversified across hundreds of positions. Quarterly distributions to partners after a 16% preferred return; Alic participates only above the hurdle.

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Riverside Bakery — performing portfolio position

ACTIVE POSITION

Position 02-4815 · UCC-1 Secured

Riverside Bakery

A profitable operator refinanced out of stacked daily debits into one sustainable weekly remittance. Performing, with a personal guarantee in place.

+$7,500 / week · 16 wk term

Built for the sophisticated allocator.

Alic Capital is a private credit fund manager. We are not a retail yield product or a single-deal syndicate. We pool capital, originate and hold a diversified book, and return proceeds to LPs on a standard fund cadence — income that does not move with public markets.

Family Offices

Institutional-grade private credit exposure through a single fund vehicle — no deal-by-deal origination, no J-curve drag from blind pools.

Accredited Investors

Quarterly distributions, short-duration underlying assets, and a 16% preferred return before the manager earns a dollar.

Sophisticated W-2 Earners

Building wealth outside public-market volatility, with monthly reporting and visible underlying collateral.

The Strategy

Why this works

Thousands of profitable small businesses are servicing several short-term advances at once. We replace that pile with one sustainable payment — and own the stream.

The inefficiency is structural. Banks move too slowly for small-business working capital, so owners stack expensive short-term financing with daily debits that choke cash flow — even when the underlying business is healthy.

Alic steps in, retires those obligations, and restructures them into a single payment the business can actually sustain. The business breathes. The repayments perform. Portfolio cash flow accumulates in the fund — and LPs receive quarterly distributions from a diversified book of hundreds of positions.

The Mechanics

How your money works

Step 1

We underwrite the business, not the story

Live bank-account data, revenue history, and existing payment behavior. Only profitable operators carrying expensive short-term debt qualify.

Step 2

We retire the pile, set one payment

Alic pays down the stack of obligations and replaces it with a single restructured payment on terms the business can sustain for the full term.

Step 3

The fund distributes to LPs

Performing repayments flow into the fund portfolio. Investors receive quarterly distributions — backed by hundreds of positions, not a single bet.

Performance

A book of hundreds of performing positions. Not the outcome of one.

Returns

42.5%

Target Return per Cycle

Illustrative net return per 16-week cycle across the active book, with capital recycling throughout the year.

Alignment
16%
Investor Preferred Return
Our partners earn the first 16% annually before Alic shares in any performance.

Performance

85%

Repayment Performance

Repayment performance across the active book, monitored daily on live bank-account data.

Scale

1,400+

Small Businesses Financed

A diversified portfolio of short-duration, asset-backed receivables originated and serviced since 2015.

· ~16 Week Average Duration

· Quarterly Distributions

· UCC-1 Secured Positions

· Dedicated First-Loss Reserve

Core Investment Strategy

01 / Private Credit

Alic Income Fund

● Open for Investment

Short-duration, asset-backed financing for established small businesses — structured so investors collect the first 16% before we do.

The Alic Income Fund retires the stack of expensive, high-friction short-term advances a profitable business is already servicing, and replaces them with a single sustainable payment schedule. We acquire the resulting repayment stream as a UCC-secured position and hold it in the fund portfolio. Capital is pooled, risk is diversified, and returns are distributed to LPs quarterly. The platform has financed hundreds of operators across a diversified book since 2015.

Asset-BackedUCC-1 Secured

Self-Liquidating~16 Week Term

CompoundingReinvest Option

Hurdle Rate

16%

Preferred · Net

Distributions

Quarterly

Cash or Reinvest

Duration

~16 Wk

Self-Liquidating

Minimum

$50,000

Investment

Structure: First-Loss Reserve, Funded

View Investment Thesis →

The 16% hurdle is a preferred return threshold, not a guaranteed or projected return. Past performance is not indicative of future results. All investments involve risk, including loss of principal.

Investment Philosophy

We don't chase yield.
We underwrite cash flow.

(01)No Story Stocks

Underwriting Discipline

Every position passes a strict framework: live bank-account data, revenue history, and existing payment behavior. We underwrite the business, not the narrative.

(02)Not One Big Bet

Diversified by Design

Your return is the average of hundreds of performing positions, not the outcome of one. No single business is more than a fraction of a percent of the book.

(03)You Earn First

16% Before We Do

No hidden fees. Investors collect a 16% preferred return before Alic shares in performance — our economics are structured so we only win after you do.

The Discipline

Built to protect the downside

S-01

Diversification by design

No single business represents more than a fraction of a percent of the book. Your return is the average of hundreds of performing positions, not the outcome of one.

S-02

First-loss reserve

Alic maintains a dedicated reserve that absorbs initial credit losses before investor capital is touched.

S-03

Live cash-flow monitoring

We watch business bank accounts daily — not quarterly statements. Deterioration is visible in days, and workouts begin immediately.

S-04

Secured and short

Positions are UCC-secured, average ~16 weeks, and sit at the front of the accounts receivable. Short duration means the book re-prices itself constantly.

We operate at the intersection of capital and cash flow.

About the Firm

Alic Capital is a private credit fund built on institutional origination and servicing infrastructure. We saw a gap between institutional-grade collateral and the accredited investors who should access it through a proper fund vehicle.

By underwriting on live cash-flow data and securing every position under UCC-1, we eliminate the friction typical of brokered advances. We don't just allocate capital — we own and pool the repayment streams the businesses generate, then distribute fund-level returns to our LPs.

Our Ecosystem

Alic Income FundPrivate Credit Strategy

Portfolio Cash FlowUnderlying Repayments

First-Loss ReserveDownside Protection

Origination PlatformLive Cash-Flow Underwriting

Speak with the Team

Prefer a conversation first?

Book a 30-minute call with our portfolio team to walk through the fund, current performance, and whether Alic is the right fit.

Schedule a Call →

Start a Conversation

Partner with Alic Capital.

We are currently accepting new partners for the Alic Income Fund. Accredited investors and family offices only. No commitment — we'll send the offering documents and a calendar link for the portfolio team.

Schedule a Call 954-247-8205

4800 N. Federal Hwy, Suite B200
Boca Raton, FL 33431

"We earn nothing until our partners clear sixteen percent. That single line decides how we underwrite."

— Total Alignment

Request received

Thank you.

We've received your request. Our team will reach out shortly with the offering documents and the current performance letter. You can also schedule a call with our portfolio team now.

Next Steps

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