Actively Managed Private Credit
Delivering income-focused investment opportunities while providing flexible capital solutions to mid-market businesses across North America.
Why Private Credit?
Private credit has become an increasingly important allocation in diversified portfolios, offering investors access to private market opportunities that can help generate income and enhance resilience across market cycles. At the same time, it plays a critical role in supporting businesses that require tailored financing solutions that are not always available from conventional lenders.
Within a portfolio, private debt may offer access to income opportunities outside of public bonds. Because loans are directly originated and negotiated, the strategy can allow for customized structures, lender protections, and closer borrower oversight. For investors seeking alternative income, reduced reliance on public market pricing and exposure to privately negotiated credit through private debt can be a core component of a diversified alternatives portfolio.
Key benefits include:
Diversification beyond traditional public equities and bonds.
Access to private market opportunities with negotiated structures.
Potential for consistent income through contractual loan repayments.
Exposure to directly originated investments with enhanced protections.
Invico's Approach to Private Credit
At Invico Capital Corporation, private credit is a core focus across both our investment strategies and lending activities. We originate and structure loans for businesses across Canada and the U.S., while providing investors with access to these opportunities through actively managed portfolios designed to generate income and preserve capital. Our investment team brings over 100 years of combined experience in credit underwriting and portfolio management. We take a disciplined, bottom-up approach and evaluate each opportunity on its merits while structuring investments to align risk and return.
We work with businesses seeking capital for:
At the same time, we construct diversified portfolios of private credit investments that prioritize:
What We Target
We focus on directly originating lending opportunities where we can structure, negotiate, and actively manage each investment. Our approach is grounded in rigorous analysis and disciplined underwriting, ensuring alignment between borrower needs and investor outcomes.
For Investors
For Investors 
Diversified exposure across industries and borrowers
Emphasis on senior secured lending positions
Short- to medium-duration investments to enhance flexibility
Income generation supported by contractual cash flows
For Borrowers
For Borrowers Loan Size: $5MM - $50MM
Security: First or second- lien collateral
Term: 6 months to 3 years
What We Avoid
What We Avoid 
Startups or borrowers with limited operating history
Negative cash flow businesses
Excessively leveraged borrowers (typically >5.0x debt/EBITDA)
Invest in Private Credit with Invico
We focus on directly originating lending opportunities where we can structure, negotiate, and actively manage each investment. Our approach is grounded in rigorous analysis and disciplined underwriting, ensuring alignment between borrower needs and investor outcomes.
Contact Our Investment Sales Team
Interested in learning more about investing with Invico? Our team is here to answer your questions and guide you through the process. Whether you’re a financial advisor, institutional investor, or family office, we’re happy to provide insights on our investment solutions. Contact us, and a member of our Investment Sales Team will get in touch with you.
Tailored Financing with Invico
We tailor our financing solutions to meet the needs of each business, creating customized terms that support long-term success. Our underwriting team has a track record of success in alternative financing across various industries and requirements.
Choosing Invico for your financing means gaining access to:
A Flexible Approach
Our team specializes in providing customized private lending structures tailored to business cash flow profiles, with various principal repayment options available.
Diversified Expertise
Invico has expertise in multi-family real estate leasing, non-operated working or royalty interests in oil and gas, energy services companies, manufacturing and processing, agriculture, and more.
Speed & Efficiency
Depending on the selected financing solution, we can provide funding in as little as three weeks from term sheet execution.
Responsive Financing
We strive to provide indications of interest quickly and move expeditiously to funding.
Contact our Investment Team
For businesses seeking financing solutions, you can complete our financing request form. If you meet our criteria, our Investment Team will be in touch to learn more and guide you through the process.
More Insights on Alternatives
