Investment Management
A private credit strategy built for institutional diligence.
Baruk Capital Group manages Baruk Private Credit Fund I, a short duration, income-focused private credit strategy built on disciplined underwriting, current income, and downside protection. What follows is written for allocators conducting due diligence.
Strategy
A private credit strategy built on three disciplines
The fund lends across revenue based lending, asset backed lending, and specialty finance, with every allocation underwritten first for capital preservation.
Duration
Short Duration
Capital is deployed into short duration instruments, reducing mark to market risk and giving the portfolio frequent points to reassess credit quality and redeploy.
Income
Current Income
The strategy is built to generate current income from contractual repayment structures rather than relying on exit multiples or appreciation.
Protection
Downside Protection
Underwriting emphasizes collateral position, cash flow visibility, and diversification across borrowers and sectors to protect principal.
Baruk Underwriting & Execution Framework™
How capital moves through the fund
The same disciplined framework governs every allocation, from origination through active monitoring.
Origination
Deal flow is sourced through a private network of specialty finance originators, private lenders, and family office co-investment partners, rather than broad market solicitation.
Underwriting
Each opportunity is evaluated on collateral position, borrower cash flow, and structural protections before capital is committed.
Structuring
Terms are structured around short duration exposure and contractual repayment, prioritizing principal protection over yield maximization.
Active Monitoring
Positions are monitored on an ongoing basis, with active portfolio management applied across the life of each loan rather than at origination alone.
Origination & Underwriting Infrastructure
A team behind the deal flow, not a two-person shop.
Baruk does not manufacture its own volume in isolation. The Fund accesses deal flow through an established institutional origination platform with a track record spanning multiple credit cycles, a dedicated underwriting team, and technology-assisted screening. Baruk selects from that pipeline and underwrites independently — the platform supplies scale and surveillance, Baruk supplies the credit decision.
Thousands
Transactions screened annually
The Fund sits on top of an established origination platform that reviews thousands of financing requests each year. Only a small fraction survive screening and reach the Fund as an investable opportunity.
Dedicated
Institutional underwriting team
A full underwriting team — not two people — performs bank statement analysis, cash flow verification, collateral review, and background diligence under a fixed credit box, supported by technology-assisted screening.
Two-Layer
Independent credit review
Transactions clear the platform's underwriting team and an independent institutional reviewer before funding. Baruk then applies its own credit standard as a final, separate decision.
35%+
Repeat borrowers with payment history
A meaningful share of platform volume comes from returning borrowers whose repayment behavior has already been observed through a completed cycle, rather than from first-time, unproven credits.
The Credit Box
Written standards applied before capital moves.
Screening criteria are defined in advance and applied consistently across the pipeline. A transaction that fails the credit box is declined regardless of headline yield or relationship.
- Minimum two years of operating history
- Verified positive cash flow across bank accounts
- No open bankruptcies, judgments, or tax liens
- Collateral support on the majority of positions
- Personal and/or corporate guarantees where applicable
- Ongoing view-only bank visibility after funding
- Defined repayment schedules and fixed durations
- Position limits by borrower, sector, and geography
Short Duration In Practice
Capital doesn't sit still after it's deployed.
Origination and underwriting bring a position into the portfolio. What happens next is a repeating cycle of monitoring, repayment, and redeployment — the mechanism behind the Fund's short duration structure.
Stage 01 / 04
Capital Deployed
A position is originated and funded against collateral, cash flow coverage, and covenant structure.
Stage 02 / 04
Position Monitored
Collateral, borrower performance, and covenant compliance are tracked continuously through the life of the loan.
Stage 03 / 04
Principal Repaid
Contractual repayment returns principal and accrued income on a defined schedule rather than at an uncertain exit.
Stage 04 / 04
Capital Redeployed
Returned capital re-enters the pipeline as a fresh underwriting decision, not a position held for years regardless of performance.
Why it matters: every completed cycle is a fresh underwriting decision, not a position held for years regardless of performance.
Portfolio Construction
Diversification and duration, by design
Portfolio construction follows the same discipline as each individual underwrite. Positions are diversified across borrowers, sectors, and loan types, sized to avoid concentration in any single credit, and weighted toward short average duration to limit mark-to-market exposure and create frequent points to reassess and redeploy capital.
Risk Management
Risk managed at the position and the portfolio level
Every allocation is underwritten first for collateral position and cash flow visibility, then monitored on an ongoing basis after closing. Portfolio-level exposure is sized and diversified so that no single credit event threatens the integrity of the overall portfolio.