Yieldstreet’s platform allows you to earn returns through exposure to income-generating loans backed by real estate or through equity investments in real estate properties.
Single offerings are available to accredited investors, while non-accredited investors can gain exposure to real estate through the multi-asset class fund offering.
Selective deal sourcing
In 2021, less than 8.41% of opportunities reviewed passed our due diligence process and have been offered in the Yieldstreet marketplace.
Investments typically range from 12-48 months.
$390M amount invested to date
$31M total interest earned
9.94% historical Net IRR
53 total fully matured deals
Sr. Investment Associate,
Yieldstreet provides investors access to alternative investments*, typically with low correlation** to the stock market. Previously, investments of this kind have been reserved for hedge funds and large institutions.
We work with experienced originators who provide a loan for a project (or need) that is collateralized by an underlying asset from the associated borrower, such as a real estate property, legal settlement or shipping vessel.
Our offerings currently focus on a number of alternative asset classes, including Real Estate, Legal Finance, Marine Finance, Commercial and Consumer Finance, and Art Finance. You can learn more about each of our asset classes in our Resource Center.
*generally considered to be any investments made in asset classes other than stocks, bonds, and cash
**Yieldstreet offerings provide typically low correlation to the broader markets, meaning that they tend to be largely unaffected by whether the stock market is rising or falling
While the majority of our offerings have predefined payment schedules, i.e. monthly or quarterly payments, some investments distribute interest and principal based on the occurrence of certain events. The anticipated payment schedule is always outlined on the offering page of the investment offering as well as the Series Note Supplement or Investment Memorandum.
Offerings with predefined payment schedules pay at regular intervals (monthly, bi-weekly, quarterly, etc.). The offering page of each investment details the exact payment schedule. The offering page also outlines whether investors can expect principal payments throughout the duration of the investment or at maturity of the deal. It is important to understand that a monthly or bi-weekly payment schedule does not necessarily mean that payments will be made on the first and fifteenth of each month. Check out this infographic for more information.
Some offerings are structured with an event-based payment schedule. Event-based payment schedules are commonplace for portfolios of pre-settlement litigation advances. An event-based payment schedule means that investors receive payments as soon as individual cases within a portfolio settle.
Payment dates and amounts cannot be pre-determined because the timing of the settlement of the underlying cases is uncertain. Given that these investment offerings are made up of multiple underlying cases, an investor can expect to receive multiple payments throughout the term of the investment. For litigation finance investment offerings with one underlying case, you can expect to receive one payment of principal and interest upon final settlement.
Payments are not guaranteed and may be subject to delay or total loss. See the risk factors for each applicable offering for more details.
Investments offered on the Yieldstreet platform carry a certain amount of risk, which should be carefully considered on a case-by-case basis, and prospective investors are urged to read the risk factors for each offering. All opportunities on Yieldstreet are asset-based, which means they are backed by an underlying asset such as a real estate property, marine vessel, artwork or legal settlement. If a borrower defaults, we collaborate with the Originator to work aggressively and pragmatically to bring the Borrower into compliance with their payment obligation where possible and pursue litigation where appropriate. Each loan recovery approach is based on the specific facts and circumstances, including those of the borrower, collateral, and the default itself.
Our investments are structured in a manner (but as always, never guaranteed) designed to maximize principal protection of your commitment through certain credit measures and enhancements, such as legal recourse to the Borrower through personal guarantees and pledged collateral. However, the default workout process is complex and can be a lengthy process. It is important to note that, by definition, in any default situation, there is always an associated risk that you may not be able to fully recover your principal commitment.
Yieldstreet evaluates opportunities through the lens of a broad investment philosophy that favors loans with characteristics such as:
However, because we work with Originators in different asset classes and provide investments in a variety of industries and markets, and in amounts and for purposes that are themselves varied, there is no one-size-fits-all analysis for any given opportunity. That, in fact, is why Yieldstreet chooses to work with Originators who bring industry and asset-specific experience and networks to the table, which allows them to, in turn, closely vet each investment even before presenting it to us. The nature and extent of the pre-offer evaluation heavily rely on the nature of the investment and the Originator’s expertise.
With that said, Yieldstreet always operates with an investor-first mindset to help ensure that an appropriate plan of action is carried out when defaults occur. Please note that due to the various stakeholders and moving parts involved in Yieldstreet investments, coupled with the unique structure of each offering, it can lead to a lengthy process where investors may receive limited information for periods of time. As these situations can vary widely in terms of complexity, it takes time to properly assess all options and consider appropriate solutions. We always aim to maximize recovery and returns in as timely a manner as possible.
To learn more about the default process and what you need to know, please read our article here.