High-Yield Private Credit for Non-Bank Financial Institutions in Emerging Markets

A fully regulated private credit fund designed for Accredited, Expert and Institutional investors seeking stable returns from secured lending to high-growth financial institutions in emerging markets.

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160% collateral cash coverage for risk protection

0.0% losses since inception

Fixed-yield investments in USD, EUR, and SGD

Access stable income from secured lending

Fully regulated under the Singapore CMS license

A Regulated Private Credit Fund Delivering Consistent, High-Yield Returns

The Mont Kilde Private Credit Fund provides Accredited, Expert and Institutional investors with access to a private credit portfolio focused on non-bank financial institutions (NBFIs) in emerging markets. The fund leverages asset-backed lending with structured risk management to generate stable returns.

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Why Private Credit?

Consistent returns with low volatility

Private credit has established itself as a high-yield, resilient asset class that offers investors stable returns with lower volatility compared to public markets. It has grown significantly, from $500 billion in assets under management in 2012 to $1.5 trillion in 2022, with projections to reach $2.8 trillion by 2028.

Even a 10% reallocation of a traditional 60/40 portfolio to private credit has been shown to improve overall returns and reduce volatility.

Why investors choose private credit

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Lower Volatility

Unlike equities, private credit provides predictable, contractual income.

Higher Returns

Historically outperforms public bonds and investment-grade debt.

Portfolio Diversification

Enhances risk-adjusted returns when added to traditional portfolios.

Resilience in Economic Downturns

Cash flow-based lending ensures steady income even in uncertain markets.

Why Emerging Markets?

A high-growth opportunity in private credit

Emerging markets present a unique opportunity for private credit investors seeking higher yields and long-term growth. These economies face a $4.8 trillion credit gap, creating strong demand for alternative financing solutions.

In Asia-Pacific, only 21% of credit is funded by non-banks, signaling an underdeveloped market and a strong need for private credit solutions.

Key reasons to invest in emerging market private credit

Significant Credit Demand

SMEs and underserved businesses struggle to access funding through traditional banks.

Higher Yield Potential

Private credit in emerging markets offers 12-15% returns, compared to 6-8% in developed markets.

Economic Growth

Emerging markets account for 66% of global GDP growth, driving increased demand for capital.

Less Competition, More Opportunity

Fewer financing options create a strong borrower pipeline with attractive lending terms.

Why Non-Bank Financial Institutions?

Enabling growth
in underserved markets

Traditional banks in emerging markets often fail to serve micro, small, and medium-sized enterprises (MSMEs) due to strict lending requirements and limited risk appetite. This results in a major credit gap, preventing businesses from expanding.

Non-Bank Financial Institutions (NBFIs) play a crucial role in bridging this gap by providing tailored financial solutions to businesses and individuals underserved by banks.

Why lending to NBFIs is a strong private credit strategy

Cascading Economic Impact

Funding NBFIs enables them to extend credit to MSMEs, fueling economic activity.

Stable and Predictable Cash Flows

NBFIs generate steady income from diversified loan portfolios.

Market Demand & Growth

The non-bank financial sector is expanding at twice the pace of traditional banks in emerging markets.

Attractive Risk-Reward Profile

Asset-backed lending and strong borrower screening reduce default risk while maintaining competitive yields.

In Southeast Asia, MSMEs account for 97% of enterprises and 69% of the workforce, yet they remain significantly underfunded. NBFIs serve as critical enablers for business expansion and financial inclusion.

Why Mont & Kilde?

Proven expertise in private credit investing

Mont & Kilde bring together deep expertise in private credit investments, strong risk management, and a regulated investment fund. With a track record of 0.0% losses, the fund provides stable, high-yield opportunities while protecting investor capital.

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Zero-Loss Track Record

Strong underwriting processes have resulted in 0.0% principal losses since inception.

160% Collateral Coverage

Asset-backed lending ensures a high degree of security for investors.

Fixed Yield in Hard Currencies

Investors receive steady returns in USD, EUR, and SGD, regardless of market fluctuations.

Regulated Fund Structure

The fund is fully compliant with Singapore's Capital Markets Services (CMS) license, ensuring transparency and oversight.

Proven Lending Model

Direct lending to Non-Bank Financial Institutions (NBFIs) with diversified portfolios and strong fundamentals.

Backed by a zero-loss track record and institutional-grade risk management, are you ready to invest?

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Structured for Stability, Designed for Growth

Fund structure & terms: a secure, high-yield private credit investment

The Mont Kilde Private Credit Fund operates under a structured, asset-backed lending model, ensuring security and stable returns for investors. The fund provides capital to vetted Non-Bank Financial Institutions (NBFIs) in emerging markets, delivering predictable income with strong downside protection.

Key Fund Details

Fund Name

Kilde Private Credit Fund, a sub-fund of Mont Asset Management VCC

Fund Manager

Blue Altitude Capital Pte Ltd

Asset Class

Private Credit (Debt/Hybrid/Equity)

Investment Focus

Lending to regulated financial institutions and Non-Bank Financial Institutions in emerging markets

Regulatory Oversight

Fully regulated under the Singapore Capital Markets Services (CMS) license, ensuring transparency and compliance

Investor Eligibility

The Mont Kilde Private Credit Fund is open only to investors who meet the accredited, expert or institutional criteria under Singapore law:

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Accredited Investors

Individuals or entities that meet specific financial criteria set by the Monetary Authority of Singapore (MAS).

Expert Investors

Qualified professionals with substantial experience in financial markets.

Institutional Investors

Investment firms, and financial institutions.

Investors must complete the qualification process before accessing the fund.

Access the Mont Kilde Private Credit Fund

Submit your details to verify eligibility and begin your investment journey.

By submitting, I confirm that I am an Accredited, Expert or Institutional Investor.

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Access the Fund Term Sheet

Detailed investment terms, share classes, target returns, and governance structure — all in one document.

By submitting, I confirm that I am an Accredited, Expert or Institutional Investor.

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