Mosaic是专为私人信贷提供独家投资机会的定制基金管理公司。我们与澳大利亚主要贷款机构合作，提供优质交易，旨在为投资者提供卓越的风险调整回报。我们的团队致力于为投资者精心打造优雅的解决方案。
本基金通过与哈里斯资本的合作建立，体现了一种类似于创建马赛克的独特投资理念。通过精心安排各种投资机会，旨在提供卓越的风险调整回报组合。本基金专注于澳大利亚房地产担保贷款市场，强调高收益、月度分配和资本保护。本基金旨在通过向借款人投资贷款，为房地产开发、房地产收购或商业活动提供资金，为投资者提供风险调整后的目标回报。
合伙人:本基金的基石投资者是哈里斯资本, 飞行中心联合创始人杰夫•哈里斯的家族理财办公室。受托人和托管人：专业投资和贷款有限公司ACN 149 520 918, AFSL编号407100。投资经理：Mosaic私人有限公司ACN 637 198 586。管理人：SILC基金管理有限公司ACN 628 993 386。目标基金规模：2亿澳元（哈里斯家族承诺2,500万澳元）。目标回报率：每年 10-13%（2023 财年已实现净回报 13.07%）。可接受的最低投资额：500,000 澳元，此后以50,000澳元为增量。担保信贷：澳大利亚房地产担保贷款，为资产和担保人提供追索权。多元化：我们的集合基金创造了不同规模、类型、借款人和地点的资产多元化。
熟知细分市场，并确定以2,000万澳元以下的交易类别来部署资本，在该领域，以我们丰富的经验和成熟度，竞争对手很少。灵活性，我们为借款人提供资金，并迅速采取行动，将优质交易从市场上撤出。在整个资本结构中进行投资，试图最大限度地提高投资者回报。混合模式，因持有金融经纪许可执照，我们能将资金与值得信赖的银行和非银行合作伙伴混合，并使投资者独家获得从未进入公开市场的优质交易。关系，我们的长期行业关系能为我们提供独特的内部访问渠道，能与几家主要银行和金融机构接触并进行整合。拥有独家交易，我们是经这些组织批准的融资合作伙伴，为Mosaic提供优质交易渠道，以达成在中等风险的情况下提供高收益。2023年，本基金每月都为投资者带来超过1%的净回报，而且我们有望在日历年结束时实现约13.60%的净回报。我们是在LVR（贷款估值比率）低于 65%且几乎没有建设或开发风险的情况下实现这一回报率。
（2023图为2023年本基金回报率）
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郭倩雯 | 团队负责人
上海如闻律师事务所
上海市淮海中路1010号嘉华中心3704室
邮编：200031
手机：13916413804
邮箱：daisy.guo@wlawyers.com.cn
感谢The SILC Group 资本解决副总监Jeff Feng提供上述项目信息
About Mosaic Capital Fund (“the Fund”)
●Mosaic is a bespoke Fund manager that facilitates exclusive investment opportunities in private credit. We partner with major Australian lenders to deliver access to quality transactions, with the aim of providing superior risk-adjusted returns to investors. Our team is committed to crafting elegant solutions for our investors.
●The Fund, established through a partnership with Harris Capital1, embodies a unique investment philosophy akin to creating a mosaic. By intricately arranging a variety of investment opportunities, the Fund aims to deliver a composite of superior risk-adjusted returns. It specializes in the Australian real estate secured loans market, emphasizing high yield, monthly distributions, and capital protection.
●The Fund seeks to provide Investors with risk-adjusted target returns by investing in loans to Borrowers for the purpose of funding property development, property acquisition or commercial business activities.
●Partners:The cornerstone investor of the Fund is Harris Capital, the family office of Flight Centre co-founder – Geoff Harris.
●Trustee and Custodian: Specialised Investment and Lending Corporation Ltd ACN 149 520 918, AFSL number 407100
●Investment Manager:Mosaic Private Pty Ltd ACN 637 198 586
●Administrator: SILC Funds Administration Pty Ltd ACN 628 993 386
●Target Fund Size:$200m（Harris Family commitment of $25m.）
●Target Return:10-13% pa (achieved net 13.07% for FY2023)
●Minimum Investment Terms: 12 months
●Interest Distribution:Monthly
●Minimum Investment Acceptable:
$500,000, with increments of $50,000 thereafter.
●Withdrawal:6 months minimum notice period
●Secured Credit: Australian real estate secured loans that provide recourse to the asset and the guarantor.
●Diversification:Our Pooled Fund creates diversification of assets that vary in size, type, borrower and location.
●We know our segment,we identified the sub $20m transaction bracket to deploy capital, where there are minimal competitors with our depth of experience and sophistication.
●Agility,we provide borrowers with a certainty of capital and move quickly to take quality transactions off the market. We invest across the capital structure in an attempt to maximise investor returns.
●Hybrid model,our finance broking licence allows us to blend our capital with trusted bank and non-bank partners and gives our investors exclusive access to quality transactions that never get to the open market.
●Relationships matter, our longstanding industry relationships give us unique internal access and integration with several major banks and financial institutions.
●We find transactions that others can’t,
we are an approved funding partner with these organisations delivering Mosaic a pipeline of quality transactions, allowing us to offer a high yield with a moderate risk profile.
●Our fund has returned investors over 1% net every month in 2023, and we are on track to close the calendar year at ~13.60% net. We are delivering this return with a portfolio LVR under 70% and minimal construction or development risk.
（Figure shows the Fund's return in 2023）
If any Investors who wish to obtain more information, please contact
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Daisy GUO | Team Leader
Shanghai Rewin Law Firm
Rm. 3704, K. Wah Center, 1010 Middle Huahai Road
Shanghai, P. R. China 200031
MP：13916413804
E-mail：daisy.guo@wlawyers.com.cn
Thanks to Jeff Feng, Associate Director of Capital Resolution at The SILC Group, for providing the above project information
