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Loan Notes

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Loan Notes

At Target Wealth Group, we provide sophisticated investors access to secured loan note opportunities that offer compelling returns in today’s yield-starved investment environment. This overview explains the fundamentals of loan notes and why they represent an attractive fixed-income alternative for qualified investors.

Understanding Loan Note Investments

A loan note is a type of privately issued debt instrument where investors effectively become lenders, receiving regular interest payments and a return of principal at maturity. Unlike traditional bonds, loan notes often offer enhanced security through direct asset backing and typically provide higher yields than conventional fixed-income investments due to their private nature.

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Main Reasons to Invest:

stack of loan notes for investment purposes

Investment Particulars

Secured By Legal Debenture

The loan note is secured through a first-ranking legal debenture over company assets, registered at Companies House, with a professional Security Trustee appointed to hold and enforce security on behalf of noteholders, providing robust protection of investor interests.

Security Trustee Protection

An independent Security Trustee monitors covenants, holds security for noteholders' benefit, and has clear enforcement rights, with professional trustee or Law Debenture providing institutional-grade oversight.

Tax Efficiency

Structured as a qualifying corporate bond with interest payments classified as loan relationship payments rather than distributions, allowing corporate investors to treat returns as tax-deductible expenses while individual investors can utilize tax wrappers like ISAs and SIPPs.

Flexible Structure

Joint ventures can be customized to meet specific investor requirements regarding governance, profit sharing, and exit strategies. This flexibility allows for alignment of interests among all parties involved.

Fixed & Floating Charges

Comprehensive security package includes fixed charges over specific assets (property, key contracts, intellectual property) and floating charges over all other assets, ensuring maximum recovery potential while allowing operational flexibility.

Covenant Protection

Robust financial and operational covenants including minimum asset coverage ratios, restrictions on additional borrowing, negative pledge provisions, and information rights give noteholders early warning of potential issues and clear trigger points for enforcement.

Security Trustee

TWG mission is to protect your investments and help you grow your wealth.

No Hidden Fees

TWG believes in a secure and transparent way to invest your capital globally.

An investment with our product providers are created with security and transparency in mind, offering you the confidence you need when making an investment.

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01223 782463

Target Wealth Group is a trading style of Oakmount Global Management Limited.
Oakmount Global Management Limited is registered in England and Wales under company number 07845532. Our registered address is Abacus House 14-18 Forest Road, Loughton, Essex, IG10 1DX.
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