No, Private Credit is web only.

Private Credit refers to loans provided to borrowers by non-bank lenders. It can take many forms — senior secured loans, mezzanine financing, bridge loans, and mortgage lending — across sectors like real estate, corporate lending, and infrastructure.

Both involve lending in exchange for interest income, but Private Credit is typically illiquid (you may need to hold for a defined period), offers a yield premium over comparable public fixed income reflecting additional risk, and is not priced daily on an exchange.

Returns come from interest income on the underlying loans. Most Private Credit funds distribute this income on a regular basis — often monthly or quarterly — which can add a regular income stream to your portfolio.

Private Credit funds generally target net annual returns in the mid-to-high single digits, though some higher-risk strategies may target more. Target returns vary by fund. Past performance is not indicative of future results, and target returns aren't guaranteed.

You must be a Canadian resident outside of Quebec who is not a U.S. person. Depending on the fund, you'll need to qualify as an eligible or accredited investor based on income or net asset thresholds. Verification takes up to 5 business days and is valid for 12 months. Investments start from $5,000.³ [Learn how to get verified]

Fees vary by fund and are disclosed on the fund page before you invest. You only pay the fund fees, no Questrade advisor fees on top.

Some Private Credit funds offer periodic redemption windows (e.g., quarterly) where you can request to sell your units back to the fund. Others have fixed terms with no early redemption. Where redemptions are available, they may be subject to lock-up periods, notice requirements, or early redemption penalties. Terms are on each fund page.

No. Private Credit is not insured by CDIC or any government deposit insurance program, and returns are not guaranteed. Your capital is at risk — borrowers may default, and you could receive less than you invested. The yield premium over GICs reflects this additional risk.

Some Private Credit funds may be eligible for registered accounts (RRSP, TFSA), while others are only available through non-registered accounts. Eligibility depends on the fund's structure and is on each fund page.

Borrowers may fail to make scheduled payments, and there's typically no secondary market to exit a defaulted position. Changes in interest rates may affect the value of your investment. Some funds hold concentrated loan portfolios where a small number of defaults could significantly impact returns.