PRIVATE CREDIT & ASSET-BACKED INCOME
Earn 8–10% Consistent Income Without Stock Market Volatility
A private asset-backed fund designed for accredited investors seeking predictable monthly distributions secured by real estate collateral.
11 Years • Asset-Backed • Zero Missed Payments
$8.32M
Total Capital Managed
11+
Years Track Record
8.54%
2025 Net Return
8
Investment Vehicles
Income Defense Strategy
We Act Like a Bank.
Not a Casino.
Our private credit strategy generates income the same way banks have for centuries — by lending money against hard assets and collecting interest. No stock picking. No market timing. Just disciplined, asset-backed lending with conservative underwriting.
Principal Protection
Secured by real estate collateral.
Consistent Yield
Monthly income from contractual interest.
Real Assets
Backed by physical property.
Proven Discipline
11 years of conservative underwriting.
Comparison
Public Markets vs Private Credit
S&P 500 Volatility ±22%
VS
Private Credit Stable Income
Bond Yield ~4%
VS
Private Credit ~8%+
Income Predictability Variable
VS
Contractual Payments
Track Record
Eleven Years of Consistent Returns
Prospera Investor Overview
Get exclusive access to our full investor overview, including fund performance, strategy details,
and how Prospera delivers consistent 8%+ net returns through private credit.
Eleven years of consistent fund performance data
Detailed breakdown of investment strategy & risk management
Portfolio composition and mortgage allocation overview
How accredited investors access private credit income
7.84%
Since-Inception
Annualized Return
8.54%
2025 Full-Year Return
Investment Platform
Four Vehicles. One Disciplined Approach.
Prospera Mortgage Investment Fund
Open-End Private Credit Fund
11 Years Track Record • 8.54% Return
AUM $3.2M
TRACK RECORD 11 Years 2025
RETURN 8.54%
SINCE INCEPTION 7.84% Ann.
The Mortgage Banc
Closed-End Note Fund
Fixed-term structured income vehicle
AUM $1.4M
INVESTOR RETURN 8.0%
STRUCTURE Closed-End
STATUS Currently Closed
Real Estate Syndications
Completed Equity Investments
Direct real estate ownership positions
TOTAL RAISED $890K COMPLETED $690K (4 Deals)
ACTIVE $200K (1 Deal)
RETURN RANGE 8–8.5%
Real Estate Portfolio
Direct Ownership
Residential & Small Multifamily · Closed
PORTFOLIO VALUE $2.83M
PROPERTIES 17 Units
STRATEGY Cash Flow + Equity
STATUS Closed
$4.79M
Total Capital Managed
How It Works
From Inquiry to Income in Four Steps
A straightforward, transparent process designed for investors who value clarity and discretion.
Download the Report
Receive our Yield Starvation Report and understand why private credit outperforms traditional fixed income.
Capital Fit Call
A confidential 20-minute conversation to align your goals, timeline, and risk tolerance with the right vehicle.
Review & Subscribe
Receive the Private Placement Memorandum, review with your advisor, and complete subscription documents.
Monthly Income
Begin receiving monthly distributions backed by real estate collateral, with quarterly reporting and full transparency.
Free Research Report
The Yield Starvation Report
Why traditional bond portfolios are quietly destroying purchasing power — and how sophisticated investors generate income instead.
Why the 60/40 portfolio is failing retirees
How private credit delivers 8%+ income
Case study: 11 years of fund performance
Framework for evaluating private credit investments
Leadership
"We don't try to predict the stock market.
We simply lend money against hard assets."
Ralph Abbott
Founder & Chief Investment Officer
Since 2014, Ralph has built and managed private credit portfolios focused on capital preservation and consistent income generation. His conservative underwriting approach has resulted in zero missed payments across all fund vehicles.
$8.32M
Capital Managed
11+
Years Experience
8
Vehicle Launched
0
Missed Payments
Qualified Investors
Your Capital Deserves
to Be Defended.
If you're an accredited investor seeking predictable income secured by
real assets, schedule a confidential capital fit call to explore whether our
fund aligns with your objectives.
Prospera Advisory Group
Private credit investment management focused on capital preservation and consistent income generation for accredited investors.