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Upward Opportunities Debt Fund

Asset-backed Lending Solutions Designed
To Deliver Stable Yield With Downside Protection

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Fund Overview

A Private Credit Strategy Built for Stability

The Upward Opportunities Debt Fund provides direct lending solutions to established businesses and commercial real estate sponsors seeking flexible financing. The fund focuses on short-to-medium duration, collateral-backed loans structured to generate predictable income while prioritizing capital preservation.

In an environment where traditional banks have reduced lending, Upward fills the gap with disciplined underwriting, conservative structures, and active portfolio management.

Investment Philosophy

Income First - Capital Preservation Always

At Upward, our investment philosophy is built on disciplined underwriting, capital preservation, and long-term value creation. We focus on real assets, durable cash flows, and downside-protected structures that perform across market cycles.

A Disciplined Approach to Private Debt Investing

Every investment is evaluated through a risk-first lens, emphasizing strong fundamentals, conservative assumptions, and alignment of interests.

We seek opportunities where thoughtful structuring, active oversight, and operational insight can generate consistent income while maintaining flexibility for capital appreciation.

Funds Structure and Returns

Consistent Income with Downside Protection

Structured as a private investment fund with defined liquidity terms, and professional oversight. The fund’s primary objective is to generate attractive, risk-adjusted income through diversified private credit investments, while preserving investor capital through senior positioning, collateral coverage, and disciplined loan structuring.

Fund Snapshots

  • Fund Size: $30M–$100M target
  • Fund Type: Private Credit / Income Fund
  • Target Return: 9%–12% annualized (net)
  • Hold Period: 2–5 years
  • Investment Size: $500K–$10M per loan
  • Distribution Frequency: Quarterly

Investment Objectives & Focus

Each investment is structured with defined exit strategies, protective covenants, and conservative loan-to-value ratios. The fund deploys capital through a diversified private credit strategy that includes:

  • Senior secured business loans
  • Bridge and transitional financing
  • Mezzanine and subordinated debt
  • Acquisition and recapitalization financing
  • Asset-based lending backed by real estate, equipment, or cash flow

Investment Diversification & Approach

Capital is deployed with negotiated protections, covenants, and remedies designed to preserve investor capital. Investments are actively monitored 

throughout their life cycle, with performance tracked against original underwriting assumptions

  • Direct Origination & Screening
  • Downside-First Underwriting
  • Structured Execution
  • Active Monitoring

What We Finance

Veritas finances a wide range of opportunities across business, real estate, and special situations, with a focus on transactions supported by real assets, cash flow visibility, and clear execution paths. Our capital is deployed into business acquisitions, growth and expansion initiatives, refinancing and recapitalizations, commercial real estate projects, and structured credit opportunities.

 We work with operating companies, real estate sponsors, and entrepreneurs seeking flexible, intelligently structured capital whether senior debt, subordinated debt, or selective equity participation tailored to the specific needs of each transaction.

Why Investors Choose US

A Disciplined Approach to Private Credit

Our integrated advisory and lending platform allows us to source, structure, and manage credit opportunities with greater control and insight.

  • A diversified private credit portfolio
  • Predictable income and quarterly distributions
  • Transparency through investor reporting and communication
  • Access to opportunities typically reserved for large institutions

Where We Deployed Capital

Targeted Lending in the Real Economy

Capital is deployed into essential business and real estate-backed transactions where traditional lenders are constrained the Fund focuses on lending to:

  • Lower-middle-market businesses
  • Franchise owners and multi-unit operators
  • M&A transactions and ownership transitions
  • Businesses requiring growth or bridge capital
  • We focus on complexity-driven opportunities, not distressed lending.
  • Commercial real estate sponsors requiring bridge or transitional capital
  • Acquisition situations requiring speed and certainty of close

Primary Sectors Include:
Business services, manufacturing, logistics, hospitality, healthcare services, commercial real estate, and franchised enterprises.

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Performance Objectives & Strategy

Delivering Consistent, Risk-Adjusted Income with Capital Protection

The Upward Opportunities Debt Fund targets stable annualized income in the high single to low double digits, with lower volatility than traditional equity investments and reduced correlation to public markets. Our primary objective is to generate consistent cash flow while preserving investor capital through conservative underwriting and collateralized credit structures

This fund is suitable for investors seeking:

  • Consistent income
  • Exposure to private credit and real assets
  • Diversification beyond public markets
  • Professional management and downside protection
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Designed for Income Focused Accredited Investors

Welcome to Upward Capital Investment Group

Thank you for your interest in investing with Upward Capital Investment Group. This intake form is designed to help us better understand your investment profile, preferences, and eligibility across our family of funds. Whether you're seeking stable income, equity growth, or diversified exposure to alternative assets, this information ensures we provide the most suitable opportunities aligned with your goals. All responses are confidential and used solely for compliance, suitability, and onboarding purposes.

Legal Disclaimer: This is not an offer to sell securities. Offers are made only through the Private Placement Memorandum (PPM). For accredited investors only. Past performance is not indicative of future results.
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