INVESTOR BROCHURE 2026
Global Leader in Microfinance & Credit Investment Management
USCA UNION LLC was founded in 2015 by emerging market credit specialists. We operate as an independent asset manager, channeling capital into microfinance institutions (MFI) across Asia, Africa, and Latin America. We act as a fiduciary: client assets held by top custodians (BNY Mellon / State Street), no balance sheet leverage.
Senior secured credit facilities to regulated MFIs. Tenors 12–36 months. Proprietary underwriting with local presence.
*Gross target IRR; net 11.5–12.8%
Net USD returns, institutional share class. 2022–2025 audited.
Proprietary risk analytics monitoring 200+ MFI indicators: PAR, currency volatility, regulatory capital. On-ground teams in 12 countries.
| Vehicle | Min. Investment | Target Net Return | Liquidity |
|---|---|---|---|
| USCA Global MFI Debt Fund I | $250K | 11.5% – 12.8% | Quarterly redemptions |
| USCA Institutional Credit SPC | $5M | SOFR + 6-8% | Tailored |
| Private Wealth Note Program | $100K | 10.5% – 11.0% | 18-mo lock, semi-annual int. |
USCA projects $45bn funding gap for MFIs by 2028. Base case 2026 net returns: 11.0%–13.0% with loss ratios below 1.5%.
Tactical View (6–12 mo):
Favor senior secured local currency loans with hedges in Nigeria, Egypt, Vietnam. Resilient MFI collections.
Team: 85 professionals, 28 investment staff, avg 14 years EM credit experience. Offices: NY, London, Singapore, Nairobi, São Paulo.