Imagine your investments paying you on the first business day of every month. Not at a distant maturity date, but on a timetable you can plan around. That is the idea behind Luminate Finance’s monthly flow model for eligible investors.
What it is
Your capital stays committed for an agreed term while interest is paid monthly. The goal is steady income with fixed capital, so you can map cash in and cash out with confidence.
Why timing matters
Return is not only about percentage. It is about when the money lands. Monthly interest can smooth irregular income, cover predictable costs, and provide frequent decision points.
You can top up a trust distribution, pre-fund tax, or reinvest as opportunities appear. A portfolio diversified by timing is often easier to live with.
What backs the payments
Luminate allocates funds to property-backed loans across New Zealand. Each facility is assessed under strict criteria, focusing on borrower quality, security position, and a clear exit. Once funded, loans generate monthly repayments which support investor distributions.
Independent oversight
A qualified professional reviews Luminate’s loan book every month. Regular third party checks add governance and keep records current.
Who it can suit
For wholesale investors, monthly income can complement other assets by adding a consistent cash line. It may suit investors who want smoother cashflow, trustees who need predictable distributions, or those who prefer to make allocation decisions more often.
Ways investors use it
Stagger terms to create a simple ladder while interest still arrives monthly.
Fund essentials, invest the rest. Route a set portion to living or operating costs, redeploy surplus.
Next steps
If you qualify as a wholesale investor and want current terms and risks, request the Information Memorandum from Luminate Finance. Consider the role a monthly income line could play in your strategy, then choose amount and term based on your goals and risk tolerance.
Luminate Finance accepts investments from specific categories of wholesale investors only, not all categories of wholesale investors under Schedule 1 of the Financial Markets Conduct Act 2013. This is not financial advice. Past performance is not a reliable indicator of future returns. Rates may change. All investments carry risk, including possible loss of capital.