Our High-Yield Programs
HCC Canadian High-Yield Program
The HCC Canadian High-Yield Program, our flagship, leverages inefficiencies within the Canadian financial services sector by providing secured loans to underserved non-prime consumers representing approximately one-third of Canadians who do not have access to traditional credit-based financial products of banks, thrift institutions, or credit card companies. The strategy's inception date is May 8, 2020 and provides exclusive access to a diversified portfolio of small denomination, asset-backed, short-term loans to consumers across Western Canada. The investment structure provides an excellent opportunity for global investors to access this niche fixed income segment in a tax-efficient, operationally simple manner.
Fully secured loans
Underlying loans are secured by hard collateral valued at twice the loan amount, providing significant coverage in the event of borrower default.
Collateral assets
Relatively liquid form of hard collateral which includes vehicles such as cars, trucks, boats, RVs, and equipment, and can be sold at auction after 21 days if necessary.
Diversification and Turnover
The short-term nature of the loans allows for high turnover and diversification across a broad borrower base.
Low Correlation to Stocks and Bonds
This program's investment returns exhibit low correlation to traditional asset classes, offering a stable income stream regardless of market volatility.
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For the latest product documents including historical performance, brochures, white papers, and additional resources please contact us
HCC Global Mortgage Yield Program
The HCC Global Mortgage Yield Program provides direct investment in individual mortgage loans backed by real estate in major urban markets worldwide. This program allows investors to diversify their portfolios across various mortgage types, offering both stability and attractive returns. Our historical active real estate investment record began on July 17, 2019 and comprises of a wide range of strategies from simple 1st lien mortgages on owner-occupied, prime residential condominium units to short-term rental strategies and development loans. Currently, this program is offered as a deal-by-deal direct investment solution for global mortgage investors.
Direct Investment and Administration
Loans are fully administered on behalf of the investor, with liens held directly in the investor's name, ensuring transparency and control.
Diverse Mortgage Portfolio
Investors can diversify across residential 1st mortgages, 2nd mortgages, and construction loans, spreading risk across multiple real estate segments.
Secured Loans with conservative ltv
All loans are fully secured with a maximum Loan to Value (LTV) of 75% at initiation for 1st mortgages, providing a significant buffer against market fluctuations.
Low Correlation to Stocks and Bonds
Similar to our Canadian program, the returns from this program also exhibit low correlation to traditional asset classes, making it an excellent diversification tool.
Investing in high-yield programs can be incredibly rewarding, but it requires specialized knowledge and strategic planning. We are committed to helping you unlock the full potential of high-yield investments. Our expertly crafted strategies and deep industry expertise empower you to enhance your financial portfolio, secure consistent returns, and achieve your financial aspirations.
Expertise in Niche Markets
Heart & Crown Capital has carved out a distinguished position in the world of high-yield investing by focusing on niche markets that offer superior returns. Our expertise lies in identifying and capitalizing on market inefficiencies that are often overlooked by traditional financial institutions. This focus allows us to deliver unique investment opportunities that not only offer higher yields but also come with robust security measures.
Robust Risk Management
Risk management is at the core of our investment strategy. We employ a multi-layered approach to risk management, ensuring that every investment is backed by tangible collateral. This provides significant downside protection and reduces the risk of capital loss. Our asset-based lending approach ensures that our investments are secured by valuable assets such as real estate, vehicles, and equipment, providing a safety net in the event of borrower default.
Alignment of Interests
We believe in aligning our interests with those of our clients. Our success is directly tied to the success of our clients, and we are committed to ensuring that our investment strategies deliver the higher yields that our clients expect. By focusing on niche high-yield markets and employing rigorous risk management practices, we ensure that our clients achieve their financial goals while minimizing risk.
Whether you are a high-net-worth individual, a financial professional seeking specialized investment opportunities for your clients, or an institutional investor looking to diversify your portfolio, HCC offers tailored solutions to meet your unique needs.
Explore the advantages of high-yield investing today
Our team of experts is ready to help you develop a comprehensive investment strategy that aligns with your financial goals and needs. Contact us for a no-obligation consultation.
Heart & Crown Capital – guiding your wealth to new heights.
At Heart & Crown Capital, we are dedicated to helping you achieve your financial goals through high-yield investing. Our expertise, personalized service, and commitment to excellence make us the ideal partner for your investment needs. Contact us today to learn how our high-yield investment programs can benefit you and let us guide your wealth to new heights.
Heart and Crown Capital Ltd. is registered as a “registered person” with the Cayman Islands Monetary Authority as a Securities Advisor and Securities Arranger (registration number 1882764).