Our investment philosophy as a
boutique investment manager

We will not compromise on credit quality!

How we invest

As a boutique investment manager we present risk-mitigated investment opportunities for our investors through facilitating the funding of high-quality loans.

These loans are originated, funded and managed via the Zagga platform and each loan comes with its own specific loan term, risk level and rate of return.

Investors who invest directly have their funds deployed into the specific opportunity in which they have selected, giving them a fractional participation in the loan.

Dedicated sub-trust structures

Every loan is housed in a dedicated sub-trust structure which holds the security property on behalf of the specific investors in the loan. This structure is insolvency remote and prevents any co-mingling of loans or securities.

There is no cookie-cutter approach and we will not compromise on credit quality.

Each lending transaction undergoes rigorous credit assessment and due diligence.
Loan approvals are based on:

STRENGTH OF
THE BORROWER

While we put strong emphasis on the underlying security property, we ensure we are dealing with a quality Sponsor with a strong track record, and who also has the capacity to personally guarantee the loan should an enforcement situation materialise.

QUALITY OF THE TRANSACTION

We assess each loan both on its own specific merits and also within the overarching economic environment. The transaction needs to stack-up when considered in its entirety. We take great care to ensure the transaction we are funding meets all quality control requirements, has the best prospects of success, and is attractive to our investors.

SECURITY TYPE
AND LOCATION

We pay close attention to the nature of the security property, its location in proximity to major facilities and infrastructure, as well as relative values for similar security properties nearby.

Our lending due diligence will also take into account factors including, overall property market dynamics and market prospects.

Directly

Create a more balanced investment portfolio and increase returns by investing in individual loans that meet your risk and return preferences.

Via a Fund

Earn regular income and portfolio diversification opportunities without the need to personally scrutinise each and every individual loan opportunity.

Direct or Fund?

Choosing the preferred option really comes down to:

How much time you wish to spend searching for, and looking at, the opportunities

Your investment strategy - do you prefer to target specific transactions, or invest across a diversified range?

Client testimonials

In my four years of investing with Zagga, there’s never been a problem. I don’t have any sleepless nights. You know exactly what your returns are going to be; they don’t dimmish. What you sign is what you get. Alternative investments like Zagga are an important addition to my investment strategy. I consider my Zagga investment part of my cash portfolio. The beauty of it is you get consistent, above market returns, and there’s flexibility in the offering. If you are looking for a long-term option, you can put your money into the fund, whereas if you know you’ll need your money in the next 6 to 12 months, you can look on the platform and find a deal that aligns with that need. It’s a bit like having a rental in a property, your rental payments are ongoing, the market can fluctuate, but that doesn’t impact your payments. With Zagga, you’re getting your returns/interest upfront, or ongoing, it’s not affected by unpredictable market events. Alan and the team’s due diligence on deals is outstanding. There is a lot of cover and security on the opportunities. I would recommend Zagga to others, and in fact I have done so many times before.

I've been impressed with Zagga’s commercial real estate debt offerings, which have delivered excellent interest rates that outperform many other CRED companies.

They keep investors informed every step of the way, providing detailed updates on the performance of their investments and the underlying properties, and I can highly recommend them to anyone seeking consistent returns with minimal hassle.

The Zagga team ensures that interest payments are made on time and communicate regularly with information specific to my investment needs. They have a commitment to punctuality and have never missed a distribution or repayment.

Thank you so much for…providing a solution to our clients. Your professionalism and customer care are greatly appreciated.

Highly impressed with the platform and I am certain you will be hearing from us again soon.

Zagga offers efficiency, transparency and steady returns. My investments on the platform are property secured syndicated loans. During a time of uncertainty aggravated by Covid-19 Zagga provides stability.

I have confidence in Alan and the entire team. It’s important for me that it’s not just the online platform. At all times I have access to, and face-to-face contact with the individual team members. The team is trustworthy and reliable-essential criteria.

Our role is to provide certainty for our clients and one of the ways to do that is to have good relationships with companies like Zagga…it takes years to build up that sort of trust and that sort of relationship.

I think Zagga is probably one of the top 3 lenders. Their track record of delivering and providing certainty is unparalleled.

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Our investment philosophy as a
boutique investment manager

How we invest

Dedicated sub-trust structures