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WFP Income Fund, LLC

Stable Income & Principal Protection

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Investor Overview
Fidelity Investments CUSIP: 94699K534
Pershing, LLC CUSIP: 929LP9220
TD Ameritrade CUSIP: 93099B102
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The WFP Income Fund, LLC (the “Income Fund”) is a short-term alternative fixed income investment that seeks to provide attractive risk-adjusted returns to its investors primarily through investments in loans secured by first trust deeds and mortgages within the United States. The trust deeds and mortgages in the portfolio carry a low weighted average loan-to-value ratio which provides a protective equity cushion for the investor’s principal. The Income Fund generates revenue through the interest paid on the mortgages and trust deeds in its portfolio and has a target 7% to 8% net annualized return. The Income Fund delivers cash flow to investors through a monthly dividend.

Wilshire Finance Partners Inc. (“Wilshire”), the Income Fund’s manager, believes the protective equity cushion provided by low Loan-to-Value ratios, the value of the secure property, and the legal characteristics of trust deed and mortgage secured loans in the fund’s portfolio, coupled with the fundamental strategies the manager employs to create a diversified pool of loans, will enable the Income Fund to preserve invested capital while earning an attractive risk-adjusted return on the investment.

Investments in the Income Fund are offered to accredited investors pursuant to a Private Placement Memorandum (“PPM”) in accordance with Regulation D, Rule 506(c) under the Securities Act of 1933, as amended. Please consult the PPM for more information on the Income Fund.

Portfolio Snapshot

Net Annualized Non-Compounded Return (Inception) : 7.50 %*

*As of June 30, 2018

Income Fund Portfolio Snapshot 0718
WFP Income Fund Details

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Investment

Professionally managed fund investing in bridge loans secured by first deeds of trust and mortgages against real estate within the United States.

Investment Objective

 

Stable Income and Principal Protection®.  A combination of consistent risk-adjusted returns, principal protection, diversification, and professional management.

Strategy Justification

The fund is a pooled investment managed by Wilshire specifically designed to capitalize on the financing needs and funding gaps of real estate investors by providing short-term loans; including, loans for acquisition, repositioning, rehabilitation, stabilization, and other short-term purposes. As an alternative to fixed income investments (e.g. bonds), the primary goal is to meet the lower risk tolerance yet higher return expectation of the fund investor. The fund’s primary objectives are current income and principal protection.

Minimum Investment

$100,000

Load Fees & Commissions

None charged by Wilshire or the Income Fund.

Investor Suitability

Accredited Investors Only.

Target Investor Returns

7% to 8% annualized returns, paid monthly.

Borrower Profile

Real estate investors requiring bridge financing.

Target Protective Equity

35% equity cushion within the fund.

Target Loan Term

36 months, with terms ranging from approximately 6 to 60 months.
Historical Performance
Income Fund Historical Performance 0718
Fund Disclosures

*Additional Fund Disclosures

This Investor Overview (“Overview”) is not an offer to sell or the solicitation of an offer to purchase the securities of WFP Income Fund, LLC or the WFP Opportunity Fund, LLC (individually and collectively, the “Fund”). The purpose of this Overview is to provide an overview of each Fund and its private placement. Persons interested in learning about either Fund and its private placement will be provided with such Fund’s Private Placement Memorandum, Operating Agreement and Subscription Documents (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provide a description of the Fund, the terms of the private placement, and a discussion of risk factors. To the extent that there is any inconsistency between the information provided in this Overview and the applicable Memorandum, the applicable Memorandum shall control. This Overview and each Memorandum contain certain forward-looking statements regarding the respective Fund’s investment objectives and strategies. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of the Fund’s management, including, but not limited to, national and international economic conditions, changes in legislation, and other factors that can disrupt economic stability. Although the Fund’s management believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Fund’s management, any placement agent, or any other person, that the respective Fund’s objectives and strategies will be achieved. An investment in either the Fund may be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum for the respective Fund and who complete, execute and deliver the subscription documents included therein. The securities of each Fund are being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”), provided by Regulation D, Rule 506(c), and are not required to comply with specific disclosure requirements that apply to securities registered under the Securities Act. Neither the Securities Exchange Commission nor any state securities regulator or agency has passed upon the merits of or given its approval to the securities, the terms of either offering, or the accuracy or completeness of any offering materials. The securities of each Fund are subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the securities. Past performance is not indicative of future results. Investing in either Fund involves substantial risk, including loss of investment, and is not suitable for all investors.

To request a copy of the Memorandum for either fund please contact Wilshire Finance Partners at (866) 575-5070 or (310) 736-1370.