HFG Commercial Assets-Backed Private Credit Fund

Hash Financial Group (HFG) provides seamless, innovative financial solutions, combining cutting-edge fintech combined with one of Australia’s largest credit distribution networks. With over 10 years of industry experience, HFG has supported more than 227,000 customers, collaborated with over 6,000 certified brokers, and have originated over AUD $62 billion of loans. One of HFG’s controlled fintech subsidiaries is Mystro.com, one of Australia’s leading AI-driven broker automation technology platform, that has grown over 6x in customers and revenue within the past 1.5 years.

The HFG group offerings spans broker-oriented fintech, real estate financing, business financing and private credit funds; offering customized solutions for both individuals and businesses.

Backed by the global presence of Sapien Group, HFG offers localized support and financial services across the globe. Through its advanced digital platforms and vast broker networks, HFG enables a faster, more efficient mortgage journey, providing borrowers with greater choice and quicker loan approvals. By connecting brokers, lenders, and product providers, HFG is revolutionizing the financial landscape, offering a smoother, more rewarding experience for all involved.

The Fund aims to provide investors with regular income through quarterly distributions.

The Fund seeks to achieve this objective by investing in Loans that the Investment Manager has selected, following extensive due diligence and which are secured over suitable assets of the Borrower.

The Fund expects to invest in Loans through a number of Sub Trusts, each of which will make one or more direct Loans to Borrowers. The Fund is expected to hold all of the units in each Sub Trust. To the extent that this IM refers to the Fund making Loans to Borrowers, it should be taken to mean that such Loans are
made indirectly by the Fund through Sub Trusts.

The Fund expects to fund the following types of Private Credit loans:

• First-Mortgage Fixed Assets-Backed: up to 70% of fund size.
• Receivables-Backed: at least 30 % of fund size.
• General Commercial (Target Allocation: 20-30%)
  • Sample underlying assets include: shopping centres, fast-food outlets, fuel stations, health and
    aged care centres with long-term leases.
• Student Accommodation (Target Allocation: 20-30%)
  • Sample underlying assets include: apar-hotel style short-med stay apartment condo’s and campus
    student lodges with long-term corporate leases.
• Renewable Energy (Target Allocation: 10-20%)
  • Sample underlying assets include: solar and wind energy-generation plants with confirmed long-
    term energy purchase contracts.
• Logistics and Warehousing (Target Allocation: 10-20%)
  • Sample underlying assets include: warehouses and related infrastructure within certain radius of
    population or production centres with confirmed long-term leases.

For more information, see attached IM.