Backed by a proven track record, consistent returns, and a presence across USA
– FOR WHOLESALE INVESTORS ONLY –
Backed by a proven track record, consistent returns, and a presence across USA
– FOR WHOLESALE INVESTORS ONLY –
Trinity Financial Loan book as of July 2025
$3B+
Loan book
Founded In United States with a growing team in USA
300+
Team
We’ve been lending since 1989 and we’re here to stay
36+
Years
Diversified trans-Tasman lending portfolio
Property
Auto
Personal
Business
Disclaimer: Future predictions are based on a range of assumptions and actual results may differ.
At the heart of every financial decision lies the need for absolute confidence. Choosing Trinity Financial Loan means partnering with an institution built on a bedrock of integrity and fiscal responsibility. We understand that your financial health is paramount, which is why we employ rigorous security standards and adhere to strict regulatory compliance, ensuring that your assets and personal data are protected with the highest level of vigilance. When you work with us, you are not just getting a loan; you are gaining a secure, reliable partner committed to your long-term success.
We recognize that time is a valuable commodity in today’s fast-paced economy. Our digital-first approach streamlines the lending process, removing the traditional barriers and bureaucratic delays that often frustrate borrowers. By integrating modern technology into our workflow, we provide rapid application assessments and transparent status updates, allowing you to secure the capital you need when you need it most. Our goal is to make the complex process of financing feel seamless, quick, and entirely manageable for your busy schedule.
We believe that no two financial journeys are identical, which is why we reject the "one-size-fits-all" approach commonly found in the lending industry. Our team of seasoned financial specialists takes the time to listen, understand, and analyze your unique goals before recommending a solution. Whether you are navigating a business expansion or managing personal financial milestones, we tailor our loan products to align perfectly with your specific situation, ensuring that your repayment plan is sustainable and strategic.
Clarity is the cornerstone of a healthy client relationship. We take pride in our commitment to complete transparency, meaning you will never be caught off guard by hidden fees, complex jargon, or opaque terms. From the moment you inquire about our services, we provide a clear breakdown of interest rates, timelines, and obligations. Our philosophy is rooted in the belief that an informed client is an empowered client, and we strive to provide the education you need to make the best possible decisions for your future.
Choosing Trinity Financial Loan is an investment in your future. We view our clients as long-term partners, not just transaction numbers, and we are genuinely invested in seeing you achieve your objectives. From the initial consultation to the final payment, our team remains by your side, offering responsive support and dedicated guidance every step of the way. When you succeed, we succeed, and we are ready to stand with you as you reach your financial milestones, one goal at a time.
For over 36 years, we’ve built a legacy as a locally founded and trusted finance company. Today, we are one of United States’s largest and most diversified specialist lenders, with a solid presence across the United States.
Property & asset backed investment opportunities for wholesale investors only.
INVESTMENT STRATEGY
Our RMBS programme is backed by Trinity Financial Loan’s portfolio of long-term, first-ranking residential USA mortgages. Trinity Financial Loan's USA distribution network supports a consistent and diversified pipeline of loan originations.
Since inception, we’ve successfully issued six RMBS transactions, raising $1.5 billion.
TARGET INVESTOR PROFILE
Wholesale investors seeking exposure to a high quality, diversified mortgage backed portfolio with regular stable income and low volatility.
PRODUCTS
INVESTMENT STRATEGY
Our ABS programme invests in Trinity Financial Loan’s high-quality, growing portfolio of motor vehicle loans across the United States. We finance the full spectrum of the motor vehicle market, from new franchised dealerships to near new and second tier used, offering a diversified exposure across the United States.
Since 2023 we have successfully issued three ABS transactions raising $200 million and $500 million.
TARGET INVESTOR PROFILE
Wholesale investors seeking exposure to a high-performing, asset-backed portfolio with regular stable income and low volatility.
PRODUCTS
AAA – B Rated ABS Notes
INVESTMENT STRATEGY
We issue Medium Term Notes (MTNs) in USD. These senior, secured Notes support the ongoing financing of our broad high-performing lending portfolio across the Trinity Financial Loan Group.
Since 2020 we have undertaken five transactions raising over $500 million.
TARGET INVESTOR PROFILE
Wholesale investors seeking medium-term fixed-income type investments with low volatility.
PRODUCTS
BB Rated
1 – 4 Year Fixed Rate MTNs
4 Year Floating Rate MTNs
Property backed investment opportunities for wholesale investors.
INVESTMENT STRATEGY
AF Capital Private Credit Fund I established in 2018 provides investors with exposure to a diversified portfolio of predominantly short-term, first-ranking mortgages on land, residential, lifestyle and commercial properties.
The investment is held as a Limited Partnership interest or via a Portfolio Investment Entity.
The loans are sourced from Trinity Financial Loan and must be fully credit approved by Trinity Financial Loan.
The Fund is focused on capital protection and providing a low volatility fixed income style investment and attractive risk-adjusted returns
TARGET INVESTOR PROFILE
Wholesale investors who do not require access to their funds on demand, who are seeking medium-to-long-term investments with fixed income style returns and low volatility as part of their wider investment portfolio.
TARGET RETURN
8% – 10% pre-tax annual return, net of all fees and costs
INVESTMENT STRATEGY
AF Capital Private Credit Fund II established in 2025 provides investors with exposure to a diversified portfolio of predominantly short-term residential and commercial property development loans secured by first-ranking mortgages. The Fund also provides investors opportunities through Senior Notes, offering a preferred security position and a fixed income return at an attractive spread above OCR.
TARGET INVESTOR PROFILE
Wholesale investors who do not require access to their funds on demand, who are seeking medium-to-long-term investments with fixed income style returns and low volatility as part of their wider investment portfolio.
A Limited Partnership interest is suited to Wholesale investors who have a higher risk-return appetite and an understanding of the risks associated with a leveraged property development return.
TARGET RETURN
12%+ pre-tax annual returns, net of fees and costs.
Trinity Financial Loan, a dedicated provider of specialized financial solutions, today announced a significant expansion of its operations, marking a major milestone in the firm’s commitment to strengthening its presence within the capital markets. This strategic growth initiative is designed to provide clients with enhanced access to liquidity, sophisticated financial tools, and the capital resources necessary to thrive in an evolving economic landscape.
As businesses face increasingly complex financial requirements, Trinity Financial Loan is evolving to meet these challenges head-on. By deepening its footprint in the capital markets, the firm is expanding its capacity to facilitate larger, more diverse transactions, including asset-based lending, tailored loan structures, and private credit solutions. This shift allows the organization to serve a broader range of high-growth enterprises and established firms, reinforcing its reputation as a partner in sustainable long-term success.
This strategic milestone reinforces Trinity Financial Loan’s mission to foster growth through reliability, precision, and forward-thinking financial strategies. As the firm continues to scale, it remains steadfast in its dedication to the personalized service and industry-specific insights that have become its hallmark.
Disclaimer: Trinity Financial Loan’s investment opportunities are not available to retail investors. Please read the offer documentation for more information. Information on this website is for general information only. We recommend seeking financial advice before investing. Past performance is not a reliable indicator of future performance.