Fulton Capital Income Fund
Investing in the Future of Small & Medium Business Finance
Target Annual Performance
15% APY
The fund has proudly delivered on this target in its first year, starting 2024, reflecting our commitment to providing solid returns through thoughtful management and strategic investments in the private credit space.
Our Investment Model: A Clear Path to Growth
We operate in the private credit space by providing capital to established funding companies. These partners, in turn, finance small and medium-sized businesses based on their future revenue, creating a cycle of growth that benefits all stakeholders.
Fulton Capital
Provides capital to partners
Funding Companies
Finance Small & Medium-sized Businesses
Small & Medium-sized Businesses
Grow using revenue-based capital
The Diversification Advantage
Concentration Control
To mitigate risk, no more than 5% of your capital is allocated to any single deal. This ensures a broad distribution of investment.
Sector Diversity
Our portfolio is spread across a variety of resilient sectors, preventing overexposure to any single industry’s market fluctuations.
Percentages are approximate and subject to weekly changes.
Geographic Reach
We invest in businesses across the United States, balancing the portfolio against regional economic shifts.
Percentages are approximate and subject to weekly changes.
Fund Highlights & Investor Terms
3.75%
Paid Every 90 Days
Consistent quarterly payments are wired directly to your bank account.
$50k
Minimum Investment
Accessible entry point, with flexibility based on your comfort level.
$20M
Total Raise Target
Ambitious goal to expand our reach and investment capacity.
15%
Target Annual Performance
Our consistent target for strong investor returns.
Consistent Quarterly Payouts
Your 15% target APY is distributed in reliable quarterly installments of 3.75%. This timeline illustrates your potential payment schedule over a full year.
Day 90: Q1 Payment
3.75% of principal wired
($50k = $1,875 | $100k = $3,750)
Day 180: Q2 Payment
3.75% of principal wired
($50k = $1,875 | $100k = $3,750)
Day 270: Q3 Payment
3.75% of principal wired
($50k = $1,875 | $100k = $3,750)
Day 360: Q4 Payment
3.75% of principal wired
($50k = $1,875 | $100k = $3,750)
First Year Performance: Target Met
On November 1, 2024, the fund successfully completed its first year, achieving the 15% APY target. This demonstrates the viability of our model and the strength of our underwriting.
Market Context & Competitive Landscape
Private Credit Market Growth
The private credit market in the U.S. has seen substantial growth, highlighting the increasing demand for alternative financing solutions for businesses.
$1.34T
Total value of private credit funds under management in the U.S. in 2024 (Federal Reserve Board)
Small Businesses & Alternative Financing
Small businesses are increasingly turning to funding companies rather than traditional bank loans for short-term financing needs due to factors like faster approval times, more flexible terms, and less stringent requirements. Funding companies, including online lenders, have embraced technology, offering quick online applications and approvals, which can be crucial for businesses needing immediate access to capital. Furthermore, some small businesses find it difficult to qualify for traditional bank loans due to strict lending criteria, making alternative financing options more accessible.
Fulton Capital vs. Traditional Investments
While alternative investments generally average around 9% annually over the past decade with varying volatility, Fulton Capital Income Fund aims to deliver a significantly higher, consistent return compared to typical low-risk options like CDs and Money Market Accounts.
Meet the Manager: The 3 Ts of Investment Confidence
At Fulton Capital, we believe in the power of Trustworthiness, Track Record, and Transparency – the “3 Ts” that form the bedrock of our investment philosophy. Vincent Tuzzalo, our Managing Member, embodies these principles, providing investors with confidence in our fund’s leadership.
Vincent Tuzzalo – Managing Member, Fulton Capital Management
Trustworthiness
- Mr. Tuzzalo maintains an impeccable record with FINRA, with zero complaints and zero disclosures throughout his financial career, demonstrating unwavering integrity.
- His extensive network within the start-up and growth-phase business communities, spanning various geographies and business sectors, speaks to his reputable standing and ethical approach.
Track Record
- With 20 years of experience in the financial services industry, Mr. Tuzzalo brings a deep understanding of alternative financial services.
- He has a proven history of building and/or investing in companies that are non-bank providers of alternative financial services from concept through exit, showcasing his profound understanding of business evolution and management.
- His previous roles as a Registered Representative and Financial Advisor at prestigious firms including Merrill Lynch, Pierce, Fenner, and Smith, Chase Investment Services, Citigroup Global Markets, and Wells Fargo Advisors Financial, highlight a consistent career of managing diverse client portfolios.
Transparency
- The fund operates with clear communication, ensuring investors are well-informed about our strategies and performance.
- All statements are prepared by a CPA for full transparency, providing an unbiased view of the fund’s financial health.