How We Protect Your Capital During Market Uncertainty

A Time of Change

In 2025, the financial world is still adjusting. Interest rates remain high, inflation continues to impact costs, and many banks have tightened lending. Property values are shifting in some markets. Some investors are feeling uncertain about where to place their money safely. These conditions make it more important than ever to choose investments that are designed to weather economic ups and downs.

At Blue Vikings Capital, our focus has always been on capital preservation first. Our Income Fund is structured to protect investor money through strong underwriting, short loan terms, collateral-backed security, and careful diversification. In simple terms, we work hard to keep your money safe—no matter what the market is doing.

Every Loan Is Backed by Real Property

One of the biggest differences between our fund and many traditional investments is this: your money is not just a number on a screen. Every loan we make is backed by a real piece of property. This means if a borrower fails to pay, the fund has the legal right to foreclose or take control of the property. We then recover the money through sale or refinance. That property is the foundation that supports your investment, and it’s one of the strongest ways we protect your capital.

Conservative Lending Keeps a Buffer in Place

We do not lend the full value of the property. In fact, we lend only up to 70% of what the property will be worth after repairs are completed—what we call the After-Repair Value (ARV). Funds are made available via incremental draws as renovations proceed, so there is always value added to the property, before the funds are distributed. This leaves a safety cushion in every deal. If the market shifts and property values drop slightly, there’s still equity protecting your investment. This conservative approach allows us to reduce the chances of any losses to the fund.

Short-Term Loans Reduce Exposure

Our typical loans last only 6 to 9 months. That’s short compared to many real estate investments. This shorter time frame is intentional. It means we don’t lock your capital into long projects or tie it to uncertain market cycles. Instead, we keep your investment moving. Loans are repaid quickly, and reallocated into another strong project. This frequent turnover gives us—and you—more flexibility to adapt as needed.

Diversification Across Multiple Projects

Your investment in the fund is never tied to just one loan. It is spread across many different projects. These loans vary by location, borrower, and scope of work. If one borrower encounters issues, others in the portfolio continue to perform and generate income. This kind of diversification reduces risk and assures consistent returns.

Liquidity Options That Keep You in Control

The fund is designed to give you access to your capital. You are not locked in for years. You have full liquidity after the initial six months - withdraw any or all of your investment whenever you need it. There are no fees or penalties. This built-in liquidity adds a layer of control that is not often available in real estate investing—and it matters even more during uncertain economic times.

Insulated from Public Market Volatility

Another key reason our fund offers stability is that it is not tied to the public markets. Stock prices go up and down quickly, and investor sentiment can swing dramatically. But private real estate lending operates on fixed terms, with fixed returns, and clear timelines. Because your money is loaned at a fixed interest rate and repaid monthly, your income is consistent. That consistency is a powerful advantage in unpredictable environments.

A Growing and Reliable Asset Class

Private lending has become one of the fastest-growing investment classes over the last few years. As of 2024, the global private debt market was valued at $1.5 trillion and is expected to reach over $2.6 trillion by 2029. The demand for short-term, flexible funding has grown as banks have pulled back, creating more opportunities for experienced lenders like Blue Vikings. This trend continues into 2025, offering a steady pipeline of qualified projects for our fund to finance.

Even as inflation continues to affect costs and the economy remains uncertain, private lending has shown strong performance and resilience. Our fund is built on this foundation, supported by proven underwriting, secure collateral, and strict loan guidelines.

Final Thoughts

When the market feels uncertain, it’s natural to look for ways to protect what you’ve earned. The Blue Vikings Income Fund is designed for just that: to give accredited investors a secure, asset-backed way to earn steady monthly income without riding the ups and downs of the public markets. We use clear guidelines, real property security, short loan durations, and built-in liquidity to create a safe and flexible investing experience.

You deserve to feel confident in where your money is working. Even in unpredictable times, we’ve structured our fund to offer stability, access, and reliable performance—all with your capital protection as our top priority.