IPV-All Pro Debt Fund I — Officially Open

A PRIVATE-CREDIT STRATEGY MOST INVESTORS WILL NEVER SEE

IPV-All Pro Debt Fund I

Quarterly income from a private-credit strategy that doesn't move with the stock market.

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Full details, mechanics, and risk factors below ↓

THE FUND, AT A GLANCE Accredited investors only

12% Annual Rate

12.59% Target IRR

Paid Quarterly

Secured By Personal-injury medical receivables

Term 60 months

Minimum $50,000

The Investment at a Glance

The Terms, in One Place

Strategy	Private credit, secured by personal-injury medical receivables
Annual interest rate	12% simple interest
Distributions	Quarterly (3%)
Minimum investment	$50,000
Maximum offering	$65,000,000
Term	60 months
Initial hold	12 months
Redemption	Up to 50% of your balance after 12 months; the remaining balance after 15 months. Up to 120 days to process each request.
Tax reporting	1099-INT
Investor eligibility	Verified accredited investors only (506(c))

These are summary terms. Full terms, including redemption timing limits, are governed by the fund's Private Placement Memorandum.

See an Illustrative Scenario

What Could This Look Like at a Glance?

Slide to any amount to see a mathematical illustration based on the fund's stated 12% simple annual rate over its 60-month term.

INVESTMENT AMOUNT

$ 100,000

$50K $3M

FUND TERMS

Annual rate 12% per annum

Distribution frequency Quarterly

Fund term 60 months

Minimum investment $50,000

ILLUSTRATIVE INCOME QUARTERLY DISTRIBUTION

$3,000

ANNUAL INCOME $12,000

ANNUAL RATE 12.0%

TOTAL AT MATURITY, 60 MONTHS

Your principal plus $60,000 in illustrated interest totals $160,000 at maturity.

Put This Capital to Work

This calculator is for illustrative purposes only, assumes the fund's stated 12% simple annual rate held for the full 60-month term, and does not account for early redemption. It is not a projection, guarantee, or offer. See the fund's Private Placement Memorandum for full terms.

The Strategy, In Plain English

A Specialty-Finance Strategy, Not a Loan to a Stranger

This fund advances capital to Injury Pro Capital (IPC), which uses it to pay medical providers for personal-injury receivables, money owed once a patient's case settles with the at-fault driver's auto insurer. IPC pledges its ownership interest in those receivables to the fund as security. When a case resolves, the settlement pays the fund back first, through a legal lien secured directly against the proceeds.

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In plain terms: it's a private lending strategy secured by real, collectible claims. Not real estate. Not the stock market. Not an unsecured promise, a lien.

The Process

How Your Investment Is Managed Through the Process

1

Your money

You commit capital to the debt fund alongside other accredited investors, starting at a $50,000 minimum.

2

Sourcing

Injury Pro Capital (IPC), the borrower, sources cases directly through its own network of medical providers. Every receivable behind the fund comes from a clinic IPC already works with, not a case bought sight unseen.

3

Underwriting

Before a dollar moves, every case is screened three times, first the provider's own billing history, then the legal case itself, the lien, and the attorney handling it. Weak cases get filtered out here, before they can ever put your capital at risk. No single medical procedure can be paid for over $350,000. The ultimate payors are major auto insurance companies and must be rated per the minimums below.

Minimum rating requirement: AM Best A- or better, or, if not AM Best-rated, S&P BBB- or Moody's Baa1.

4

Funding & Lien Perfection

The debt fund advances IPC up to 25% of the medical receivable's total invoiced value, and IPC uses that advance to pay the provider for the receivable. IPC then pledges its ownership interest in the receivable to the fund as security, perfected through a Letter of Protection (LOP) signed by the law firm handling the case before funds are released. The fund retains the right to approve a higher advance rate on a given case.

5

Servicing

This isn't a hands-off advance. IPC stays actively involved with the attorney and case manager handling the case, since the provider no longer owns the receivable, IPC does, with its ownership interest pledged to the fund as security. IPC tracks collections and keeps the numbers reconciled so nothing comes in unnoticed.

6

Status'ing

Every 90 days, IPC confirms exactly where each case stands, not an estimate, an actual check-in. That's the same information used in your own fund reporting.

7

Collection

When a case resolves, IPC approves the settlement amount, then the funds go straight to IPV from the attorney's trust account, not through the provider. That direct path is part of what keeps the lien secured.

8

Final settlement

IPC returns the principal and interest owed to the fund. The money that returns to the fund is reinvested into new advances until the fund's conclusion, when all principal and interest are repaid to investors.

9

Quarterly distribution

Distributions are designed to be paid on the fund's quarterly schedule, drawing on the performance of the full portfolio rather than any single case. After an initial 12-month lock-up, you can request redemption of 50% of your capital (subject to a 120-day window), and the full amount after 15 months.

What Secures Your Investment

A Real Lien, Not a Promise

Your capital is secured by a first-position legal lien, established through a Letter of Protection signed by the law firm handling the case and a UCC-1 filing to perfect the security interest, both completed before a dollar moves. The fund seeks to be paid from the settlement proceeds ahead of other claims, though lien priority and enforceability are subject to applicable state law and the facts of each case.

Why the Fund Doesn't Advance the Full Amount

The fund typically advances IPC up to 25% of a medical receivable's total invoiced value, well short of its full value, though the fund retains the right to approve a higher advance rate on a given case.

25%

Typically advanced against total invoiced value

75%

Difference between advance and total invoiced value

Advanced (25%)

Remaining invoiced value (75%)

What the fund advances The receivable's total invoiced value

That difference gives the fund additional collateral coverage if a case settles for less than its total invoiced value, similar to how a mortgage lender won't finance 100% of a home's appraised value. It reduces, but does not eliminate, the risk of loss.

Who's Behind This, and Why It Works

Built by People Who've Done This Before

Purpose-built infrastructure

IPC underwrites every case through CaseCompass, a platform for lien compliance, case tracking, and collections, built over more than a decade in this exact market. It's live infrastructure across 6,000+ providers and $3.3B+ in receivables managed, not a spreadsheet or a manual process.

Four independent checks, every case

Every receivable passes through the same review before a dollar moves: the provider's own track record, the strength of the individual case and its legal representation, state-by-state lien enforceability, and portfolio-level diversification with concentration limits across providers, states, and case types. No single medical procedure exceeds $350,000, keeping any one claim from carrying outsized weight in the fund.

A specialized market with different economic drivers

Personal-injury cases arise from a simple, steady fact of American life: roughly 2.3 million injury-causing accidents happen every year. Case activity, settlement timing, and insurance claim volume drive this market, factors that behave differently from traditional public-market investments.

Personal-injury receivables are a specialized asset class, and specialization is what separates a disciplined operator from a risky one.

~$62B U.S. personal-injury market

~2.3M Injury accidents / year

~95% Settle outside court

18-20 mo Average time to settle

THE CREDITOR, 17 YEARS

Tony Bettis

CEO

35 years underwriting deals built to survive a bad market, not just a good one.

Eric Comeau

President

34 years in corporate finance and banking. His rule: investors get paid first.

Steve Vasas

Vice President

40 years in financial services, including years as an investor here himself.

Meet Our Entire Team

$1.8B AUM

1,300+ Investors

$329.6M Wealth Created

62 Completed Projects

$552M+ Capital Deployed

66 Active Projects

Explore Our Full Track Record

THE BORROWER, A DECADE IN THIS MARKET

James Bradford

Founder & CEO

Over 20 years in healthcare receivables.

Cody Shandraw

President

15+ years building platforms across finance, healthcare, and capital markets.

Zed Wang, CPA

CFO

Leads investor reporting, portfolio analytics, and fund administration.

Aaron Raub

COO

Builds the operational systems behind the company's growth.

Peyton Pipes, J.D.

CLO

Oversees compliance, governance, and receivables collection procedures.

12 yrs Together Since 2014

$840MM+ Deployed

$3.3B+ Receivables Managed

$0 Missed Distributions

$0 Investor Capital Lost

Founders' collective experience across prior and affiliated vehicles, including 12+ months of mutual due diligence with All Pro Capital. Based on unaudited internal records. Past results are not a guarantee of future performance. IPV-All Pro Debt Fund I is a newly formed vehicle with no operating history of its own; prior and affiliated-vehicle results, including the "Missed Distributions" and "Investor Capital Lost" figures above, are not indicative of this fund's performance. All Pro Capital figures are unaudited.

Want to Go Deeper

Two Ways to Learn More Before You Talk to Us

Watch the Full Webinar

We hosted an in-depth session covering the fund's structure, the collateral, and how it fits alongside other All Pro offerings. Watch it whenever suits you, no live attendance required.

Runtime: 1h 35m

Request the Offering Documents

Review the fund's full Private Placement Memorandum, the complete terms, risk disclosures, and structure, before or instead of a call.

Request the PPM

Ready to Explore the Fund?

See If This Opportunity Fits Your Portfolio

IPV-All Pro Debt Fund I is only available to verified accredited investors. Common ways an individual may qualify include:

Individual income of more than $200,000 in each of the last two years (or more than $300,000 jointly with a spouse or spousal equivalent), with a reasonable expectation of reaching the same income level this year; or
Net worth of more than $1,000,000, excluding the value of your primary residence.

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IPV-All Pro Debt Fund I is available only to investors who satisfy applicable accredited investor requirements and complete the Fund's required verification process. Submitting this form does not verify accredited investor status, constitute an investment order, or obligate you to invest.

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