How LBC Capital Income Fund, LLC’s Debt Fund Outperforms Traditional Fixed-Income Investments

If you’ve been parking capital in bonds, CDs, or other traditional fixed-income vehicles, you already know: they’re safe, but the returns can be painfully underwhelming.

Now, more investors—especially those looking for consistent income without the drama—are turning to private real estate debt funds like LBC Capital Income Fund, LLC. And they’re not looking back.

Here’s a side-by-side look at how our fund stacks up against traditional fixed-income options—and why we believe it’s the smarter choice for accredited investors seeking both yield and peace of mind.

1. Let’s Talk Returns: The Numbers Don’t Lie

Bonds & CDs

• 10-year Treasury bond: ~4.3% yield (as of Q2 2025)
• Corporate bonds: 4%–6% (with higher risk)
• CDs: 4%–5% for 1–2 year terms

LBC Capital Income Fund, LLC Debt Fund

• 8%–8.5% annualized return, paid monthly
• Backed by first-lien real estate assets
• No fluctuation due to interest rate changes

Our investors are seeing almost double the return of traditional fixed-income products—without needing to tie up capital for a decade or worry about bond market swings.

2. Risk Profile: Where Safety Really Comes From

Traditional bonds are subject to:

• Market volatility
• Interest rate changes
• Credit/default risk from issuing entities

Our fund is built around conservative loan underwriting with multiple layers of protection:

• First-lien positions only
• Low LTV ratios (typically 60%–70%)
• Short-term loans (6–18 months)
• In-house underwriting and servicing

If a borrower defaults, we’re first in line to recover capital through the asset – not at the mercy of markets or balance sheets.

3. Liquidity & Access to Capital

Many investors assume bonds offer great liquidity, but that’s only true if you’re willing to take a hit when selling early. CD penalties? Even worse.

At LBC Capital Income Fund, LLC, while our fund isn’t daily-liquid, we design our portfolio with short loan durations and rolling maturities. That helps ensure:

• Consistent monthly distributions
• Access to liquidity on a scheduled basis (subject to notice)

You’re not stuck for years—and you’re not selling at a loss to get out.

4. Inflation Resilience

Fixed-income products typically get hammered when inflation rises. Real returns shrink, and the purchasing power of your “safe” income evaporates.

Our returns are tied to private lending rates, not public indexes. In fact, real estate debt pricing often adjusts to inflationary trends, helping our fund hold its ground when inflation eats away at bond yields.

5. Transparency and Control

With traditional fixed income:

• You rarely know exactly where your money goes
• Returns are tied to forces beyond your control

With LBC Capital Income Fund, LLC:

• Every loan is underwritten and managed in-house
• You receive detailed monthly reports
• We show you how your capital is deployed

It’s not just about performance – it’s about clarity. You’re never in the dark.

6. Tax-Efficient Structures

Depending on how you invest, our fund can be structured inside:

• IRAs
• Trusts
• Self-directed retirement accounts

We also work with CPAs and advisors to ensure the income fits into your broader strategy with minimal friction.

7. Real Assets, Not Market Noise

When you invest in traditional fixed income, you’re buying someone’s promise to repay.

With LBC Capital Income Fund, LLC, you’re investing in real, income-producing property—short-term loans secured by trust deeds on U.S. real estate. We don’t speculate. We don’t rely on Wall Street sentiment. We lend against what we can evaluate and enforce.

Steady Returns Shouldn’t Mean Settling for Less

If your goal is capital preservation, consistent income, and less exposure to market drama—you have options.

Traditional fixed income has its place. But if you’re tired of yields that barely outpace inflation or assets that react to every headline, it’s time to consider what private debt can do for your portfolio.

LBC Capital Income Fund, LLC’s fund offers a smarter, safer, and more rewarding way to earn passive income. Let’s talk.