Evertrust Private Credit Fund LP: Stable Monthly Income Backed by Canadian Real Estate

For accredited investors seeking consistent income from a real asset-backed investment, the Evertrust Private Credit Fund LP (EPCF) offers a compelling proposition: a 9% targeted annual net return, paid monthly, secured by a diversified portfolio of Canadian commercial and development real estate mortgages.

Managed by Evertrust Capital Management Inc. (ECMI) — the investment arm of Evertrust Development Group Canada — the fund brings together institutional-grade underwriting, a decade of mortgage lending track record, and a differentiated fee structure that puts investors first.

What Is the Evertrust Private Credit Fund?

The Evertrust Private Credit Fund LP is an open-ended Limited Partnership and Mutual Fund Trust that invests in a diversified portfolio of short-term real estate loans across Ontario. Loans are primarily secured against commercial, industrial, and development real estate assets, with a geographic focus on the Greater Toronto Area and select other Ontario markets.

The fund is structured to generate stable, predictable income for investors through interest earned on secured mortgage positions — not through speculative equity upside or market-sensitive asset appreciation.

This is a private credit strategy: Evertrust lends capital to qualified real estate borrowers at rates that reflect the complexity and term of each loan, and the resulting interest income flows directly to fund investors on a monthly basis.

Fund Highlights at a Glance

• Targeted Annual Net Return: 9% (Class A Units)
• Distribution Frequency: Monthly
• Structure: Open-Ended LP and Mutual Fund Trust
• Target Fund Size: $500 million
• Minimum Investment: $100,000 (accredited investors)
• Registered Account Eligible: RRSP, TFSA, RESP, RRIF, LIRA
• DRIP Available: Monthly distributions can be automatically reinvested
• General Partner: Evertrust Capital Management Inc.
• Legal Counsel: Norton Rose Fulbright Canada LLP
• Auditor: KPMG LLP
• Dealer: Frontfundr

What Makes the EPCF Different?

Many private credit funds extract a significant portion of income at the manager level — origination fees, renewal fees, administration fees, and discharge fees typically flow to the manager rather than to investors. The Evertrust Private Credit Fund is structured differently: all loan interest AND all fee income charged to borrowers flows to the Fund, not to Evertrust Capital Management as the manager.

This alignment of interests means the manager’s compensation is tied to fund performance — not to transaction volume or fee extraction. For investors evaluating private mortgage funds, this structural distinction is meaningful.

The Lending Strategy

The EPCF deploys investor capital into secured real estate loans, with the following portfolio targets:

• Geographic Focus: 65% GTA and Golden Horseshoe; balance across London/KW, Ottawa/Kingston, and other Ontario markets
• Property Types: Development (40%), Residential Construction (30%), Industrial (15%), Commercial (15%)
• Loan Position: 70% first mortgages, 30% second mortgages
• Target LTV: 50–65%, selectively up to 75%
• Average Loan Size: $3.4 million
• Average Loan Term: 2.3 years
• Average Interest Rate on Loans: 11.1%

This portfolio construction is designed to generate sufficient gross yield to support the 9% net return target after fees and expenses, while maintaining the capital preservation discipline that comes from conservative loan-to-value ratios and senior lending positions.

Registered Account Eligibility — A Significant Advantage

One of the EPCF’s most practical advantages for Canadian investors is its eligibility for registered accounts. Corresponding units in the Evertrust Private Credit RSP Fund are eligible for RRSP, RRIF, RESP, TFSA, and LIRA accounts — allowing investors to generate 9% targeted returns inside tax-sheltered accounts.

For investors with significant registered account balances seeking yield beyond GICs and bond funds, this eligibility opens a meaningful new allocation option.

Who Should Consider the EPCF?

The Evertrust Private Credit Fund is appropriate for accredited investors who are seeking regular income, want exposure to real asset-backed lending rather than equity risk, and value a transparent, investor-aligned fee structure.

It is particularly well-suited for retirees and pre-retirees seeking yield, corporate investors looking for tax-efficient income (see the tax treatment section below), and investors who want monthly cash flow without the illiquidity of development equity funds.

Get the Details

To request the offering memorandum or speak with the Evertrust Capital Management team:

Visit: https://www.frontfundr.com/evertrust

Call: 647-501-2345 ext 112 Email: info@evertrustdevelopments.com

Targeted returns are not guaranteed. Investments involve risk. Please refer to the offering documents for full details.