Wholesale Funding Solutions for Businesses

The Rixon Income Fund is an asset-backed, high-yield, non-property private credit strategy. The strategy is focused on capital preservation and meaningful, regular monthly income. The Fund Target Return is 10-12% p.a. (net) with distributions paid monthly.

Monthly Income Fund (MMIF)

Investment Strategy

The Rixon Income Fund is focused on asset-backed, senior secured lending to Australian SMEs seeking non-dilutionary debt funding of up to $20m.

It requires all borrowers to offer first ranking tangible asset collateral and service their interest expense monthly in cash.

The Rixon Income Fund strategy is focused on capital preservation and delivering investors an attractive monthly cash yield.

Key Fund Benefits

First ranking security

Priority position on underlying borrower balance sheet

Tangible asset collateral

Investor capital secured over a recoverable asset

Monthly cash interest

Cashflow generative borrowers

No direct property exposure

Offers investors true diversification from property debt and equity

No equity warrants or options

Focus on tangible asset cover and cash yield

Fund Overview

Fund Facts

APIR

RIX4439AU

Eligible Investors

Wholesale Only

Inception

Nov 2022

Minimum investment

$50,000

Distribution

Monthly

Applications

Monthly

Redemptions

Quarterly

Reinvestment plan

Available

Fund leverage

NIL

Management fee

1.50% pa.

Benchmark

RBA Cash Rate + 6.0%

Buy / Sell spread

NIL

Performance fee

20% of outperformance above benchmark

Performance Since Inception

Platform availability:

Fund Rating:

Past performance is not necessarily indicative of future performance. Returns are net of fees and costs.

Performance & Reporting

Performance as of 30/06/2026

Past performance is not necessarily indicative of future performance. Returns are net of fees and costs and assume no reinvestment of distributions. Returns greater than one year are annualised.

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Fund Performance	1 month	3 month	6 month	1 year	3 years	Annualised since inception¹
Fund²	0.93%	2.70%	5.50%	11.27%	11.43%	11.70%
RBA Cash Rate	0.34%	0.98%	1.89%	3.77%	4.09%	4.01%
Benchmark³	0.83%	2.44%	4.86%	9.77%	10.10%	10.08%
Outperformance	0.10%	0.26%	0.64%	1.50%	1.34%	1.62%

Inception date 14-Nov-22
Fund returns are after fees and costs and assumes no reinvestment of distributions. Past performance is not a reliable indicator of future performance.
RBA Cash Rate plus 6% p.a.

Distribution History	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2022	-	-	-	-	-	-	-	-	-	-	1.79%	0.80%	2.59%
2023	0.80%	0.80%	0.90%	1.10%	0.85%	0.88%	0.93%	1.02%	0.99%	0.96%	1.03%	0.94%	11.20%
2024	0.94%	0.94%	0.94%	0.95%	0.98%	0.93%	0.99%	0.96%	0.94%	0.97%	0.99%	1.00%	11.54%
2025	1.00%	0.92%	0.97%	1.01%	1.00%	1.00%	0.94%	0.94%	0.94%	0.95%	0.95%	0.92%	11.53%
2026	0.93%	0.85%	0.92%	0.93%	-	-	-	-	-	-	-	-	3.63%

NAV	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2022	-	-	-	-	-	-	-	-	-	-	$1.00	$1.00
2023	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00
2024	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00
2025	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00	$1.00
2026	$1.00	$1.00	$1.00	$1.00	-	-	-	-	-	-	-	-

Unitholder Updates

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2022

2023

2024

2025

2026

This page is provided to wholesale and sophisticated investors for information purposes only by Rixon Capital Pty Ltd (ABN 65 655 776 533) (“Rixon”) an authorised representative (Australian Financial Services Representative Number: 001298795) of Rixon Asset Management Pty Ltd (ACN 664 901 866 AFSL 546029).

Any financial product advice given is of a general nature only. The information has been provided without taking into account the investment objectives, financial situation or needs of any particular investor. Therefore, before acting on the information contained on this website you should seek professional advice and consider whether the information is appropriate in light of your objectives, financial situation, and needs. Rixon does not guarantee the performance of its funds, the repayment of any capital or any rate of return. Investing in any financial product is subject to investment risk including possible loss. Past performance is not a reliable indicator of future performance. Information in this report is based on the information provided to Rixon by third parties that may not have been verified. Rixon believes that the information is reliable but does not guarantee its accuracy or completeness. Rixon is not able to give tax advice and accordingly, investors should obtain independent advice from an accountant and/or lawyer before making any decision based on the tax treatment of its investors. You must read the Fund Fact Sheet or Information Memorandum and seek professional advice before making a decision to invest in any of the funds.

What is Wholesale Funding?

Wholesale funding refers to large-scale financing options provided to businesses through institutional channels rather than retail banking. It is a cost-effective approach to accessing significant capital comprising drawn and undrawn components, allowing companies access to resources required for growth, expansion, or acquisition.

What is Wholesale Funding?

Large-Scale Financing: Businesses get access to substantial amounts of capital, allowing them to undertake major projects, scale operations, and invest in growth opportunities that would otherwise require significant upfront costs.
Cost-Effective: Businesses benefit from both more competitive interest rates than traditional lending, and a non-dilutionary solution. This ensures the optimisation of cost of capital while maximising profitability and return on investment.
Strategic Resource Allocation: Enables businesses to deploy capital into high-priority areas, such as growth, acquisition, or innovation, ensuring that resources drive maximum impact and align with strategic objectives.

Why Choose Wholesale Funding with Rixon Capital?

Wholesale funding offers numerous advantages, making it an attractive option for businesses seeking scalable and flexible financial solutions:

Flexibility

Tailored financing terms allow businesses to align funding with their unique operational needs and growth objectives, ensuring effective resource management.

Competitive Rates

Lower interest rates than traditional lending reduce capital costs and enhance overall profitability for businesses looking to grow efficiently.

Non-Dilutive Solution

A lender mandate that is not permitted to access borrower equity.

Large Loan Amounts

Access funding of $1 million to $20 million, empowering businesses to undertake large-scale projects or expansions.

Long-Term Solutions

Benefit from financing structures that support sustained business growth, ensuring operational stability and future readiness.

About Rixon Capital

Rixon Capital provides tailored wholesale funding solutions to businesses in various sectors. We specialise in asset-backed, senior-secured, non-dilutionary lending and offer expert guidance and market-driven solutions.

Competitive Interest Rates: Aligning with industry-leading standards, we ensure cost-effective and non-dilutionary financing for our clients.
Customised Funding Solutions: Our team works closely with businesses to craft bespoke financing packages that align with their unique objectives.
Fast Access to Capital: Streamlined processes ensure quick approvals and timely disbursements.

Asset Classes for Which Wholesale Funding is Offered

Rixon Capital supports businesses through wholesale funding across various asset classes:

Receivable Finance

This solution allows borrowers to help businesses monetise their accounts receivable, transforming outstanding invoices into immediate working capital. It supports B2B and B2C operations, improving cash flow and optimising customer payment cycles.

Equipment Finance

Our financing options facilitate the acquisition of essential fixed assets, such as plant, property, and machinery. This enables businesses to expand operations while preserving capital reserves and fostering long-term growth.

Growth Finance

This funding class supports rapid business growth, particularly through acquisitions. It provides the capital required for capital-intensive strategies, enabling companies to capitalise on market opportunities and maintain stability.

How Wholesale Funding Works

Rixon Capital ensures a straightforward and efficient wholesale funding process, enabling businesses to secure the necessary capital without unnecessary delays.

Step-by-Step Process:

Inquiry

Submit a detailed inquiry outlining your funding requirements.

Preliminary Assessment

2.Provide necessary documentation to support your application.

Indicative Term Sheet

Rixon Capital will provide comprehensive indicative terms for discussion and acceptance.

Due Diligence

Comprehensive diligence process.

Documentation

Drafting and executing final facility and security documentation

Funding

Access approved funds promptly to implement your business strategy.

Funding Criteria:

Business Size

Submit a detailed inquiry outlining your funding requirements.

Creditworthiness

Demonstrated risk management policies, low arrears rate, and financial stability.

Industry Fit

A focus on asset-backed, non-property development sectors.

Repayment Terms

Monthly interest-only payment schedule.

Advantages of Wholesale Funding

Lower Rates: Benefit from competitive interest rates, significantly reducing financing costs and providing your business with more affordable capital compared to traditional loan options.
Large Amounts: Access funding of $1 million to $20 million, offering funding certainty.
Flexibility: Customised loan structures that align with your business’s objectives.
Speed: Efficient approval and disbursement process ensuring timely access to funds.