An Exclusive Opportunity for Accredited Investors
An Exclusive Opportunity for Accredited Investors
An Exclusive Opportunity for Accredited Investors
Grow Faster with a 90% Profit Share. Private Credit That Works For You.
Grow Faster with a 90% Profit Share. Private Credit That Works For You.
Grow Faster with a 90% Profit Share. Private Credit That Works For You.
We've built a Private Credit Fund grounded in cash flow, collateral, and credit risk — with potential of earning 50-75% ROI because predictability matters.
We've built a Private Credit Fund grounded in cash flow, collateral, and credit risk — with potential of earning 50-75% ROI because predictability matters.
90% Profit Sharing
90% Profit Sharing
3-Year Term
3-Year Term
Quarterly Payouts
Quarterly Payouts
Currently Backed By:
Investments involve risks, including the potential loss of principal. This offer is only available to accredited investors as defined by SEC regulations. Please review the Private Placement Memorandum (PPM) for full details.
Comparision
Traditional Investments Aren’t Enough.
Here's Why Investors Are Looking For Alternatives.
Traditional Investments Aren’t Enough.
Here's Why Investors Are Looking For Alternatives.
ShiFi Private Credit
Shorter Commitment.
Shorter Commitment.
ShiFi offers a 3-year term with quarterly payouts, providing both stability and cash flow.
Long Lock-Up Periods.
Long Lock-Up Periods.
Whether it is private equity or real estate debt, your capital is tied up with limited liquidity.
Traditional Options:
Low Volatility.
Low Volatility.
Investments are backed by the purchase of diversifed RICs with predictable cashflow.
With ShiFi
Market Uncertainty.
Market Uncertainty.
Global events, inflation, and policy changes create unpredictable returns in stock investments.
Traditional Options
High-Yield Returns.
High-Yield Returns.
With 90% profit sharing, ShiFi delivers 18-25% APY, outpacing traditional fixed-income investments.
With ShiFi
Barely Beating Inflation.
Barely Beating Inflation.
Tradtional investments like bonds offer 4-6% returns, which often fail to outpace inflation.
Traditional Options
Comparision
Traditional Investments Aren’t Enough.
Here's Why Investors Are Looking For Alternatives.
With ShiFi
Shorter Commitment.
ShiFi offers a 3-year term with quarterly payouts, providing both stability and cash flow.
Long Lock-Up Periods.
Whether it is private equity or real estate debt, your capital is tied up with limited liquidity.
Traditional Options
Low Volatility.
Investments are backed by the purchase of diversifed RICs with predictable cashflow.
With ShiFi
Market Uncertainty.
Global events, inflation, and policy changes create unpredictable returns in stock investments.
Traditional Options
High-Yield Returns.
With 90% profit sharing, ShiFi delivers 18-25% APY, outpacing traditional fixed-income investments.
With ShiFi
Barely Beating Inflation.
Tradtional investments like bonds offer 4-6% returns, which often fail to outpace inflation.
Traditional Options
BENEFITS
BENEFITS
The ShiFi Solution: Private Credit Evolved.
The ShiFi Solution: Private Credit Evolved.
The ShiFi Solution: Private Credit Evolved.
Maximize returns, minimize risk: Secure 90% profit sharing, quarterly cash flow, and tangible collateral-backed stability.
Maximize returns, minimize risk: Secure 90% profit sharing, quarterly cash flow, and tangible collateral-backed stability.
Maximize returns, minimize risk: Secure 90% profit sharing, quarterly cash flow, and tangible collateral-backed stability.
Benefit 1
90% Profit Sharing
Receive the lion’s share of returns during this phase of the fund, aligning incentives between you and ShiFi.
Benefit 1
90% Profit Sharing
Receive the lion’s share of returns during this phase of the fund, aligning incentives between you and ShiFi.
Benefit 1
90% Profit Sharing
Receive the lion’s share of returns during this phase of the fund, aligning incentives between you and ShiFi.
Benefit 2
Quarterly Payouts
Start earning from the first quarter of your 3-year term, ensuring consistent cash flow with monthly reporting.
Benefit 2
Quarterly Payouts
Start earning from the first quarter of your 3-year term, ensuring consistent cash flow with monthly reporting.
Benefit 2
Quarterly Payouts
Start earning from the first quarter of your 3-year term, ensuring consistent cash flow with monthly reporting.
Benefit 3
High-Yield Returns
Even with default risks considered, earn between 15%-25% APY annually for 3 years (50-75% ROI).
Benefit 3
High-Yield Returns
Even with default risks considered, earn between 15%-25% APY annually for 3 years (50-75% ROI).
Benefit 3
High-Yield Returns
Even with default risks considered, earn between 15%-25% APY annually for 3 years (50-75% ROI).
Benefit 4
Tangible Security
Investments are backed by purchase of discounted receivables diversified in a growing market.
Benefit 4
Tangible Security
Investments are backed by purchase of discounted receivables diversified in a growing market.
Benefit 4
Tangible Security
Investments are backed by purchase of discounted receivables diversified in a growing market.
PROCESS
PROCESS
How it works: Overview of our investment strategy.
How it works: Overview of our investment strategy.
How it works: Overview of our investment strategy.
Maximize returns, minimize risk: Secure 90% profit sharing, quarterly cash flow, and tangible collateral-backed stability.
Maximize returns, minimize risk: Secure 90% profit sharing, quarterly cash flow, and tangible collateral-backed stability.
Maximize returns, minimize risk: Secure 90% profit sharing, quarterly cash flow, and tangible collateral-backed stability.
Step 01
Step 01
Business Origination
Our rigorously underwritten businesses originate retail installment contracts with their clients that has set APR.
Business Origination
Our rigorously underwritten businesses originate retail installment contracts with their clients that has set APR.
Business Origination
Our rigorously underwritten businesses originate retail installment contracts with their clients that has set APR.
Step 02
Step 02
ShiFi Purchase
ShiFi Fund purchases this receivable at a discount based on risk profile of end borrower.
ShiFi Purchase
ShiFi Fund purchases this receivable at a discount based on risk profile of end borrower.
ShiFi Purchase
ShiFi Fund purchases this receivable at a discount based on risk profile of end borrower.
Step 03
Step 03
Investor Returns
The businesses gets immediate capital and ShiFi collects the full receivable amount and pays investors accordingly.
Investor Returns
The businesses gets immediate capital and ShiFi collects the full receivable amount and pays investors accordingly.
Investor Returns
The businesses gets immediate capital and ShiFi collects the full receivable amount and pays investors accordingly.
Reasoning
Reasoning
Why Retail Installment Contracts? Why Professional Development Businesses?
Why Retail Installment Contracts? Why Professional Development Businesses?
Why Retail Installment Contracts? Why Professional Development Businesses?
RICs are payment agreements where borrowers finance purchases over time. RICs within professional development allow for steep purchase discounts given the service-based nature. Plus, a rapidly growing market ($607B) with no dominant lender offers a competitive edge.
RICs are payment agreements where borrowers finance purchases over time. RICs within professional development allow for steep purchase discounts given the service-based nature. Plus, a rapidly growing market ($607B) with no dominant lender offers a competitive edge.
RICs are payment agreements where borrowers finance purchases over time. RICs within professional development allow for steep purchase discounts given the service-based nature. Plus, a rapidly growing market ($607B) with no dominant lender offers a competitive edge.
Unsecured, High-Yield Nature
No physical collateral required allowing higher APRs which drive stronger investor returns.
Unsecured, High-Yield Nature
No physical collateral required allowing higher APRs which drive stronger investor returns.
Unsecured, High-Yield Nature
No physical collateral required allowing higher APRs which drive stronger investor returns.
Built-in Profit Margins
Service based goods allow for contract purchase at a steep discount locking in profits from day one.
Built-in Profit Margins
Service based goods allow for contract purchase at a steep discount locking in profits from day one.
Built-in Profit Margins
Service based goods allow for contract purchase at a steep discount locking in profits from day one.
Market Potential
Rising demand in professional development with limited competition provides early-mover advantage.
Market Potential
Rising demand in professional development with limited competition provides early-mover advantage.
Market Potential
Rising demand in professional development with limited competition provides early-mover advantage.
Proven model
Proven model
Our Thesis: Quality Businesses Attract Quality Borrowers Producing Quality Paper.
Our Thesis: Quality Businesses Attract Quality Borrowers Producing Quality Paper.
Our Thesis: Quality Businesses Attract Quality Borrowers Producing Quality Paper.
Our institutional-grade vetting process targets only premium business partners, each undergoing comprehensive financial and compliance screening before entering our portfolio. This selective approach safeguards the quality of our receivables and maximizes investor security.
Our institutional-grade vetting process targets only premium business partners, each undergoing comprehensive financial and compliance screening before entering our portfolio. This selective approach safeguards the quality of our receivables and maximizes investor security.
Our institutional-grade vetting process targets only premium business partners, each undergoing comprehensive financial and compliance screening before entering our portfolio. This selective approach safeguards the quality of our receivables and maximizes investor security.
Full-Spectrum Business Underwriting
Comprehensive Business Underwriting
We verify compliance, conduct financial audits for $150K+ monthly revenue, and confirm 2+ years of U.S.-based business history to ensure secure financing.
Secure Borrower Protection
Efficient Planning and Real-Time Tracking
Plan tasks, set priorities, and track progress with ease to ensure projects stay on track and deadlines are met with minimal effort.
Total Contract Protection
Organize Events and Share Documents
Effortlessly manage events, share important documents, and collaborate with your team to ensure everything is in one place and easily accessible.
Full-Spectrum Business Underwriting
Comprehensive Business Underwriting
We verify compliance, conduct financial audits for $150K+ monthly revenue, and confirm 2+ years of U.S.-based business history to ensure secure financing.
Secure Borrower Protection
Efficient Planning and Real-Time Tracking
Plan tasks, set priorities, and track progress with ease to ensure projects stay on track and deadlines are met with minimal effort.
Total Contract Protection
Organize Events and Share Documents
Effortlessly manage events, share important documents, and collaborate with your team to ensure everything is in one place and easily accessible.
Full-Spectrum Business Underwriting
Comprehensive Business Underwriting
We verify compliance, conduct financial audits for $150K+ monthly revenue, and confirm 2+ years of U.S.-based business history to ensure secure financing.
Full-Spectrum Business Underwriting
Comprehensive Business Underwriting
We verify compliance, conduct financial audits for $150K+ monthly revenue, and confirm 2+ years of U.S.-based business history to ensure secure financing.
Secure Borrower Protection
Secure Borrower Protection
We guide borrowers through applications, verify ID with proprietary software, ensure risk-tiered profiles, and connect payments via Plaid. All contracts include signed agreements from both borrower and merchant for transparency.
Secure Borrower Protection
Secure Borrower Protection
We guide borrowers through applications, verify ID with proprietary software, ensure risk-tiered profiles, and connect payments via Plaid. All contracts include signed agreements from both borrower and merchant for transparency.
Total Contract Protection
Full-Coverage Contract Protection
We require a personal guaranty from business owners and enforce recourse mechanisms to recover funds from merchants in cases of borrower default or unresolved service issues.
Total Contract Protection
Full-Coverage Contract Protection
We require a personal guaranty from business owners and enforce recourse mechanisms to recover funds from merchants in cases of borrower default or unresolved service issues.
Risk-Mitigation
Risk-Mitigation
Protecting Your Investment: Deliver Returns with Rigorous Risk Management.
Protecting Your Investment: Deliver Returns with Rigorous Risk Management.
Protecting Your Investment: Deliver Returns with Rigorous Risk Management.
Our risk management system, validated by the Hankey Group, safeguards invested capital in professional development financing.
Our risk management system, validated by the Hankey Group, safeguards invested capital in professional development financing.
Our risk management system, validated by the Hankey Group, safeguards invested capital in professional development financing.
Diversified Portfolios
Capital is allocated across multiple credit tiers and industries, minimizing concentrated risk.
Diversified Portfolios
Capital is allocated across multiple credit tiers and industries, minimizing concentrated risk.
Discounted Contracts
Contracts are purchased at significant discounts, creating built-in profit margins even with elevated default rates.
Discounted Contracts
Contracts are purchased at significant discounts, creating built-in profit margins even with elevated default rates.
Advanced Underwriting
Borrowers are vetted using our propietery RIC software that checks income and ID verification, banking connection, and credit history.
Advanced Underwriting
Borrowers are vetted using our propietery RIC software that checks income and ID verification, banking connection, and credit history.
Business Accountability
Businesses carry responsibility for the first payment default as well as a mandatory personal guaranty to idemify the services.
Business Accountability
Businesses carry responsibility for the first payment default as well as a mandatory personal guaranty to idemify the services.
Calculator
Calculator
Math Breakdown: Why This Model Works.
Math Breakdown: Why This Model Works.
Math Breakdown: Why This Model Works.
The below is a sample retail installment contract for $9500 that is purchased for $7000. The term of the contract is 36 months at 24.9% APR. Purchasing thousands of such underwritten contracts across numerous vetted businesses ensure diversification of capital and minimizing concentration risk.
The below is a sample retail installment contract for $9500 that is purchased for $7000. The term of the contract is 36 months at 24.9% APR. Purchasing thousands of such underwritten contracts across numerous vetted businesses ensure diversification of capital and minimizing concentration risk.
The below is a sample retail installment contract for $9500 that is purchased for $7000. The term of the contract is 36 months at 24.9% APR. Purchasing thousands of such underwritten contracts across numerous vetted businesses ensure diversification of capital and minimizing concentration risk.
Contract Paid Off Early
Contract Paid Off Early
Capital Deployed: $7,000
Capital Deployed: $7,000
Capital Deployed: $7,000
Total Return: $9,500
Total Return: $9,500
Total Return: $9,500
Profit: $2,500
Profit: $2,500
Profit: $2,500
ROI: 36%
ROI: 36%
ROI: 36%
V/S
V/S
V/S
Contract Paid In 36 Months
Contract Paid In 36 Months
Capital Deployed: $7,000
Capital Deployed: $7,000
Capital Deployed: $7,000
Total Return: $13,579
Total Return: $13,579
Total Return: $13,579
Profit: $6,579
Profit: $6,579
Profit: $6,579
ROI: 94%
ROI: 94%
ROI: 94%
No single investor holds a direct interest in any individual contract. Instead, all investor capital is pooled and allocated across multiple merchants, credit buckets, and receivables, ensuring diversification and reducing concentration risk. The following scenario is for example purposes only.
No single investor holds a direct interest in any individual contract. Instead, all investor capital is pooled and allocated across multiple merchants, credit buckets, and receivables, ensuring diversification and reducing concentration risk. The following scenario is for example purposes only.
Verified
Verified
Success: Tested, Scaled, and Delivered with the Hankey Group
Success: Tested, Scaled, and Delivered with the Hankey Group
Success: Tested, Scaled, and Delivered with the Hankey Group
Learn how ShiFi's partnership with the Hankey Group originated over $2M in contracts, proving our model’s scalability and consistent returns across multiple credit tiers.
Learn how ShiFi's partnership with the Hankey Group originated over $2M in contracts, proving our model’s scalability and consistent returns across multiple credit tiers.
Learn how ShiFi's partnership with the Hankey Group originated over $2M in contracts, proving our model’s scalability and consistent returns across multiple credit tiers.
$2M+ Funded
The partnership began as a pilot to prove our thesis— in under 6 months, we originated $2M+ in contracts with a fraction of our vetted businesses, demonstrating the success of early repayment benchmarks and the strength of our underwriting.
Exceptionally Low Defaults
Out of 190+ contracts, only 2 have resulted in first-payment defaults. This is no accident. Rigorous underwriting, quality merchants, and strategic partnerships create a system where capital is positioned for predictable success.
A lot More Opportunity
This is just the start. The live businesses so far represent a small portion of our pipeline. With increased capital, we’re ready to scale to $5M+ in monthly originations, tapping into an untapped market poised for exponential growth.
Invest Today
Invest Today
Put your funds to use. Start investing now.
Put your funds to use. Start investing now.
Put your funds to use. Start investing now.
We’ve proven our model with the Hankey Group—now it’s your turn. Accredited investors get 90% profit sharing in this exclusive phase, helping us scale and validate performance where we own the paper. After 8 months of performance, we’ll close this offering and transition to institutional investors.
We’ve proven our model with the Hankey Group—now it’s your turn. Accredited investors get 90% profit sharing in this exclusive phase, helping us scale and validate performance where we own the paper. After 8 months of performance, we’ll close this offering and transition to institutional investors.
We’ve proven our model with the Hankey Group—now it’s your turn. Accredited investors get 90% profit sharing in this exclusive phase, helping us scale and validate performance where we own the paper. After 8 months of performance, we’ll close this offering and transition to institutional investors.
Minimum Investment
Custom
$100,000
Our minimum requirement to invest in the private credit fund.
How it Works
KYC
Funds Processed
Monthly Reporting
Quarterly Returns
3-Year Period
Custom Investment
Your Investment
For those investors who want to put more money to work as hard as they worked for it.
How it Works
KYC
Funds Processed
Monthly Reporting
Quarterly Returns
3-Year Period
Calculator
Calculator
We don’t just talk about results; we give you the means to calculate them yourself.
We don’t just talk about results; we give you the means to calculate them yourself.
We don’t just talk about results; we give you the means to calculate them yourself.
Use the calculator to see your potential returns—run the numbers and discover what’s possible.
Use the calculator to see your potential returns—run the numbers and discover what’s possible.
Use the calculator to see your potential returns—run the numbers and discover what’s possible.
This calculator provides hypothetical investment scenarios for informational purposes only. Past performance does not guarantee future results. The projections shown are estimates based on assumptions and may not reflect actual returns. Investment involves risk, including possible loss of principal. This tool does not constitute investment, legal, or tax advice. Please consult qualified professionals before making any investment decisions.
This calculator provides hypothetical investment scenarios for informational purposes only. Past performance does not guarantee future results. The projections shown are estimates based on assumptions and may not reflect actual returns. Investment involves risk, including possible loss of principal. This tool does not constitute investment, legal, or tax advice. Please consult qualified professionals before making any investment decisions.
This calculator provides hypothetical investment scenarios for informational purposes only. Past performance does not guarantee future results. The projections shown are estimates based on assumptions and may not reflect actual returns. Investment involves risk, including possible loss of principal. This tool does not constitute investment, legal, or tax advice. Please consult qualified professionals before making any investment decisions.
FAQS
Frequently Asked Questions!
Frequently Asked Questions!
Can't Find Your Answer Here?
We Can Help Out!
Why are you offering 90% sharing profit?
Our 90% profit-sharing model reflects our confidence in this opportunity and our commitment to rewarding serious investors. We’re seeking strategic partners who understand the value of supporting a proven, scalable investment model. This is not about offering an incentive—it’s about sharing in the upside of a high-performing portfolio while we maintain full operational control and accountability.
Why not continue funding through the Hankey Group?
Why focus on the professional development market?
How secure is my investment?
What kind of returns can I expect?
Can I withdraw my investment early?
What makes this opportunity unique compared to traditional investments?
Why are you offering 90% sharing profit?
Our 90% profit-sharing model reflects our confidence in this opportunity and our commitment to rewarding serious investors. We’re seeking strategic partners who understand the value of supporting a proven, scalable investment model. This is not about offering an incentive—it’s about sharing in the upside of a high-performing portfolio while we maintain full operational control and accountability.
Why not continue funding through the Hankey Group?
Why focus on the professional development market?
How secure is my investment?
What kind of returns can I expect?
Can I withdraw my investment early?
What makes this opportunity unique compared to traditional investments?
Why are you offering 90% sharing profit?
Our 90% profit-sharing model reflects our confidence in this opportunity and our commitment to rewarding serious investors. We’re seeking strategic partners who understand the value of supporting a proven, scalable investment model. This is not about offering an incentive—it’s about sharing in the upside of a high-performing portfolio while we maintain full operational control and accountability.
Why not continue funding through the Hankey Group?
Why focus on the professional development market?
How secure is my investment?
What kind of returns can I expect?
Can I withdraw my investment early?
What makes this opportunity unique compared to traditional investments?
An Exclusive Opportunity for Accredited Investors
An Exclusive Opportunity for Accredited Investors
An Exclusive Opportunity for Accredited Investors
Partner with Us and Say Goodbye To
Partner with Us and Say Goodbye To
Partner with Us and Say Goodbye To
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
ShiFi offers investors the chance to lead in the fast-growing private credit space – with transparency, stability, and exceptional returns.
ShiFi offers investors the chance to lead in the fast-growing private credit space – with transparency, stability, and exceptional returns.
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups
unstable returns
high volatility
low yield
excessive risk
inconsistent growth
complex portfolios
long lock-ups