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If you’re a high net worth investor or managing your own capital, you’ve likely asked the question: “Where can I put my money that gives me a better return, without taking on unnecessary risk?”
Term deposits are safe, but they barely move the needle above inflation. Bank rates are even lower and they make you jump through hoops to get anything close to reasonable. Public markets feel jittery and overexposed. Property? A lot have exposure and it's riskier than you think - often locked away for 12–18 months, tied to leverage-heavy developers and assumptions that stretch the truth.
Enter warehouse lending. It’s a lesser-known asset class, but one that is used by savvy and professional investors - particularly in the US and Europe. For these savvy investors it's one of the smartest places for capital right now - especially for investors who value regular income, real security, and clear risk-adjusted returns.
So, what is warehouse lending?
In simple terms, it’s the institutional capital that powers non-bank lenders. Whether it’s a lender offering small business loans, or a specialist player financing solar panels, every lending business needs a pool of capital, called a “warehouse”, to fund its loans before scaling to a bank or institutional facility.
As an investor, you can be part of that warehouse. That means earning returns secured against real assets (like property, equipment, or receivables) and monitored with tight controls. It’s short-to-medium term, asset-backed, and often comes with co-investment from the lending business who’s on the hook for losses first. Everyone’s aligned. Everyone’s motivated to protect the pool.
What do you get?
- Regular monthly income
- Shorter lock-up periods than typical property or private equity
- Security over the underlying loan assets
- Access to a diversified pool of loans (i.e. not one single project, developer or borrower)
Why Eldium
At Eldium, we’ve built these warehouses from the ground up. We lend our own money to them. We know the space and are the preferred partners giving us the selection of the best operators in the sector.
We’re providing our investors with the opportunity to participate in the same investments.
For investors looking to preserve capital and generate regular income at higher rates, warehouse lending could be the opportunity you’ve been waiting for.