LendGuardCAPITAL
Investment Structure

How your capital is structured & protected.

A private investment corporation with monthly distributions, real-property security, and a transparent fee schedule. Below is the full picture — no asterisks.

The Terms

At a glance.

Vehicle
Private investment corporation
Federally incorporated under the Canada Business Corporations Act
Share Class
Class A Preferred Shares
Distinct from any common/voting shares
Target Return
8% per annum
Paid monthly to Class A shareholders
Minimum Term
12 months
Initial lock-up before redemption eligibility
Redemptions
Quarterly with 60 days notice
Available after the initial term
Audit
Annual independent audit
Performed by an external Canadian accounting firm
Investor Protections

Capital safeguards, layered.

Four structural protections, working in concert. Each one is independently verifiable.

01

All funds held in designated trust accounts at major Canadian financial institutions

02

Every mortgage registered on title — 1st or 2nd position on Ontario real property

03

Funds deployed only after internal credit committee approval and due diligence

04

Annual independent financial audit with ongoing portfolio performance reporting

Fees & Transparency

How LendGuard generates returns.

The full economics, top to bottom. Borrower interest funds the entire stack — your return is what remains after every cost is paid.

Borrower Interest Rate
Charged to borrowers on funded mortgages
10–13%
Lender / Origination Fees
Collected at mortgage close, boosting effective yield
1–3%
Management & Operating Expenses
Fund administration, legal, audit, compliance
~2%
Loss Reserve (Defaults)
Conservative buffer for credit losses
~0.5–1%
Target Investor Return
Paid to Class A shareholders, monthly
8%

Full fee schedule and compensation disclosure available in the Offering Memorandum.

Ready to invest?

Request investor access for the full offering memorandum, or book a call with Matthew or Marko directly.