If most of your savings and retirement are invested in the market, this private credit fund can help balance things out. You earn 12% simple interest a year, paid to you every 3 months, from a 5-year fund backed by real collateral.
You have spent years building your savings in the market: your 401(k), your index funds, the companies you believe in. That has served you well. But when nearly everything rides on one market, one bad stretch hits all of it at once, and leaving money in cash quietly loses ground to inflation. A private lending fund gives part of your money a different job.
An alternative to stocks and traditional fixed income. Your interest comes from settlements on accident cases, not from how the companies in your portfolio perform. It has its own risks, but they are different ones.
Every loan is secured by medical bills owed on those cases, and the fund typically lends only about a quarter of what the bills are worth.
12% simple interest a year, paid every 3 months. On $100,000, that is $3,000 every quarter, or $60,000 over the 5 years.
You do not need to know the legal details to understand where your money goes.
They get medical care right away. Their doctor agrees to be paid when the injury case settles, which can take months.
Injury Pro Capital (IPC) buys that medical bill, then collects from the settlement, most often paid by a major auto insurance company.
The fund lends IPC the money to buy those bills, with the bills pledged as collateral. You receive 12% simple interest a year, paid every 3 months.
Prefer to watch? This short video explains it in under 5 minutes.
Every loan is built with safeguards, set up before any money is sent.
When a case settles, the fund has the first claim on the payment for the bills it backs. This is put in writing with the attorney before any money goes out.
The fund typically lends up to 25% of a medical bill’s full value.
Settlements usually come from major auto insurance companies that must meet minimum financial-strength ratings.
These safeguards can reduce, but not eliminate, the risk of loss.
IPC pledges its ownership interest in the medical receivables to the fund as security. A first-position lien is established through a Letter of Protection signed by the law firm handling the case and a UCC-1 filing, both completed before funds are released. Lien priority and enforceability remain subject to applicable state law and the facts of each case. The fund may approve a higher advance than 25% for a given case.
Ultimate payors must be rated AM Best A- or better or, if not rated by AM Best, S&P BBB- or Moody’s Baa1. No single medical procedure can be paid for over $350,000.
Pick an amount, or type your own, to see your payment every 3 months.
From $50,000 to $3,000,000.
Please enter an amount from $50,000 to $3,000,000.
Illustration only, based on 12% simple interest a year paid every 3 months, with your full investment returned after 5 years and no early withdrawals. Not a guarantee.
Open only to verified accredited investors. Full terms are in the fund’s offering documents.
Two experienced companies, each with a clear job.
Brings the fund to investors, oversees the loans to IPC, and is your point of contact.
Borrows from the fund to buy medical bills from doctors, then manages and collects them.
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Supported by Zed Wang, CPA (CFO), Aaron Raub (COO), and Peyton Pipes, J.D. (Chief Legal Officer), with case tracking across 6,000+ medical providers.
*Based on unaudited records of Injury Pro Capital’s prior and affiliated funds. IPV-All Pro Debt Fund I is new and has no track record of its own. Past results do not guarantee future results.
Our team walks through the fund from start to finish: how the loans work, how your money is protected, and the questions investors ask most. Watch it whenever it suits you.
