PSA Capital Investments, Suite 99, Level 27/101 Collins Street, Melbourne (2026)

23/09/2026

𝗗𝗼 𝗻𝗼𝘁 𝗰𝗮𝗿𝗿𝘆 𝗮𝗻 𝗮𝘃𝗼𝗶𝗱𝗮𝗯𝗹𝗲 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗾𝘂𝗮𝗿𝘁𝗲𝗿. 📊

The end of the September quarter is an opportunity to look beyond revenue and assess how comfortably your business can meet its upcoming commitments.

Before moving into the next quarter, consider reviewing:
• Outstanding customer invoices
• Payroll and operating expenses
• Tax, superannuation and supplier obligations
• Seasonal changes in demand
• Planned equipment or inventory purchases
• Contracts requiring upfront expenditure

Any gap between expected income and upcoming costs

Identifying a shortfall early gives you more time to weigh up the available options and make a considered decision—rather than reacting once the pressure has already arrived.

For profitable businesses facing a temporary cash flow challenge, PSA Capital Investments provides flexible private lending solutions tailored to the circumstances of the business.

Learn more:
https://psacapitalinvestments.com.au/borrowers/

21/09/2026

𝗥𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗺𝗼𝘀𝘁 𝘄𝗵𝗲𝗻 𝗺𝗮𝗿𝗸𝗲𝘁𝘀 𝗯𝗲𝗰𝗼𝗺𝗲 𝗱𝗶𝗳𝗳𝗶𝗰𝘂𝗹𝘁 𝘁𝗼 𝗽𝗿𝗲𝗱𝗶𝗰𝘁.

Market volatility can test even a carefully considered investment strategy.

During uncertain conditions, investors may start looking more closely at how their portfolio is structured, where returns are coming from and whether too much capital is exposed to the same economic risks.

Defensive investing isn't necessarily about avoiding all risk.

It's about building a portfolio designed to better withstand periods of uncertainty by considering factors such as:
• Diversification across different asset classes
• Income-producing investments
• Capital preservation objectives
• Investment timeframe
• Liquidity requirements

The relationship between risk and expected return

Private credit may form part of a diversified strategy for eligible investors, but every opportunity should be assessed according to its structure, underlying security and suitability.

Read more:
https://psacapitalinvestments.com.au/defensive-investments-building-a-resilient-portfolio-in-volatile-markets/

General information only. This does not take into account any person’s objectives, financial situation or needs. Prospective investors should obtain professional advice and review the relevant Information Memorandum before making an investment decision.

18/09/2026

“𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝘀 𝘁𝗵𝗲 𝘄𝗲𝗮𝗹𝘁𝗵 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗼𝗿 𝗼𝗳 𝗮𝗻𝘆 𝗲𝗰𝗼𝗻𝗼𝗺𝘆, 𝗰𝗿𝗲𝗮𝘁𝗶𝗻𝗴 𝗷𝗼𝗯𝘀 𝗮𝗻𝗱 𝘄𝗲𝗮𝗹𝘁𝗵 𝗳𝗼𝗿 𝗺𝗮𝗻𝘆.”

— Peter Marmara-Stewart, Managing Director, PSA Capital Investments

Behind every established business are people whose livelihoods, families and communities depend on its continued success.

That is why access to appropriate finance matters.

When a viable business encounters temporary financial pressure, the right support can help protect jobs, maintain supplier relationships and provide the breathing room required to move forward.

At PSA Capital Investments, our purpose extends beyond providing finance. We work to understand the business, the challenge it is facing and the pathway towards a more sustainable financial position.

Learn more about PSA:

https://psacapitalinvestments.com.au/about-us/

17/09/2026

𝗔 𝘁𝗲𝗺𝗽𝗼𝗿𝗮𝗿𝘆 𝘀𝗲𝘁𝗯𝗮𝗰𝗸 𝘀𝗵𝗼𝘂𝗹𝗱 𝗻𝗼𝘁 𝗱𝗲𝗳𝗶𝗻𝗲 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀.

Even profitable, well-managed businesses can experience periods when outgoing costs and incoming revenue no longer align.

A delayed customer payment, unexpected expense, seasonal slowdown or time-sensitive opportunity can place pressure on cash flow without changing the long-term viability of the business.

When traditional lenders cannot provide the flexibility or turnaround required, private lending may offer another pathway.

PSA Capital Investments works with profitable small to medium businesses experiencing temporary financial pressure. We take the time to understand the broader circumstances and structure lending solutions designed to support recovery—not prolong financial stress.

Learn more about our lending solutions:

https://psacapitalinvestments.com.au/borrowers/

16/09/2026

𝗦𝘁𝗿𝗼𝗻𝗴 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗯𝗲𝗴𝗶𝗻 𝘄𝗶𝘁𝗵 𝗯𝗲𝘁𝘁𝗲𝗿 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀.

An advertised return may capture attention, but it should only be the starting point of an investor's assessment.

Before committing capital to a private credit opportunity, it's important to understand what sits behind the projected return.

Useful questions may include:
• What types of borrowers and loans does the investment support?
• How are lending applications assessed?
• What security is taken over the underlying loans?
• How is risk managed?
• How often may income be distributed?
• What is the expected investment term?
• Are withdrawals or early exits available?
• What may happen if a borrower cannot meet their obligations?

A well-informed investment decision considers both the potential return and the risks required to pursue it.

Explore PSA’s investor information:
https://psacapitalinvestments.com.au/investors/

14/09/2026

𝗣𝗮𝘁𝗶𝗲𝗻𝘁 𝗰𝗮𝗿𝗲 𝗰𝗮𝗻𝗻𝗼𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘄𝗮𝗶𝘁 𝗳𝗼𝗿 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝘁𝗼 𝗰𝗮𝘁𝗰𝗵 𝘂𝗽. 🩺

Allied health and medical practices carry significant ongoing responsibilities.

Wages, rent, equipment, technology, supplies and professional costs continue regardless of when patient accounts or other revenue come in.

Practices may also need to invest in new equipment, additional treatment rooms or a larger team before the resulting revenue starts to flow.

A temporary funding gap shouldn't have to interrupt the standard of care your practice provides or stand in the way of a commercially sound investment in its future.

PSA Capital Investments offers private lending solutions for established allied health and medical businesses navigating short-term financial pressure or preparing for their next stage of development.

Learn more:
https://psacapitalinvestments.com.au/allied-health-medical/

13/09/2026

𝗔 𝗯𝗿𝗼𝗮𝗱𝗲𝗿 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗰𝗮𝗻 𝗿𝗲𝘃𝗲𝗮𝗹 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀.

Clients rely on financial advisers to assess opportunities according to their objectives, circumstances, investment timeframe and tolerance for risk.

For eligible investors, private credit can offer another option to consider alongside traditional asset classes.

However, an investment should never be assessed on its projected return alone.

Advisers may also look at:
• How the underlying loans are selected
• The security supporting each transaction
• The borrower assessment process
• The intended investment term
• Distribution arrangements
• Liquidity limitations
• The risks associated with borrower default

PSA Capital Investments works with financial advisers by providing information about our investment opportunities, lending approach and risk evaluation processes.

Learn more about working with PSA:
https://psacapitalinvestments.com.au/financial-advisors/

General information only. This does not take into account any person’s objectives, financial situation or needs. Prospective investors should obtain professional advice and review the relevant Information Memorandum before making an investment decision.

12/09/2026

𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝘁𝗲𝗿𝗺𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗶𝗻𝗳𝗼𝗿𝗺 𝘆𝗼𝘂—𝗻𝗼𝘁 𝗼𝘃𝗲𝗿𝘄𝗵𝗲𝗹𝗺 𝘆𝗼𝘂. 📚

Business finance can feel unnecessarily complicated when unfamiliar terminology starts appearing throughout the application and approval process.

Understanding the language lenders use can help you ask better questions, weigh up the proposed terms and make a more informed decision for your business.

Depending on the loan, you may come across terms relating to:
• Loan-to-value ratios
• Security and collateral
• Interest and establishment costs
• Loan terms and repayment arrangements
• Default provisions
• Exit strategies
• Bridging and short-term finance

The terminology matters because each part of a loan agreement can affect the cost, structure and responsibilities attached to the finance.

Read our guide to common private lending terms:
https://psacapitalinvestments.com.au/private-lending-terms-decoded-a-guide-for-borrowers/

11/09/2026

𝗬𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗮𝗻𝗻𝗼𝘁 𝗺𝗼𝘃𝗲 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝘄𝗵𝗲𝗻 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝗶𝘀 𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝘀𝘁𝗶𝗹𝗹. 🚛

Transport and logistics businesses operate in an environment where delays can quickly become expensive.

Fuel, wages, vehicle maintenance, registration and supplier costs still need to be covered—even when customer payments haven't arrived yet.

A new contract can also mean upfront spending before the first invoice is paid.

When timing is critical, waiting through a rigid traditional lending process isn't always practical.

PSA Capital Investments provides private lending solutions for transport and logistics businesses managing a temporary funding gap, maintaining operations or preparing for a new commercial opportunity.

Because keeping your business moving takes finance that can move with it.

Learn more:
https://psacapitalinvestments.com.au/transport-logistics/

10/09/2026

𝗬𝗼𝘂𝗿 𝗽𝗮𝗽𝗲𝗿𝘄𝗼𝗿𝗸 𝗺𝗮𝘆 𝗯𝗲 𝗹𝗶𝗺𝗶𝘁𝗲𝗱. 𝗬𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗽𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹 𝗶𝘀 𝗻𝗼𝘁.

Not every established business can present the extensive financial documentation traditionally required by a bank.

Self-employed borrowers, growing businesses and organisations with nuanced or changing income structures can still have viable plans, valuable assets and a clear strategy for repaying finance.

A low doc loan can offer an alternative pathway by assessing the broader circumstances rather than relying solely on conventional documentation.

At PSA Capital Investments, applications are considered individually, looking at the proposed security, financial position, purpose of the loan and exit strategy.

Learn more about low doc lending:
https://psacapitalinvestments.com.au/low-doc-loans/

PSA Capital Investments

23/09/2026

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