GYC Income Fund — Data Room v2

Build a monthly income stream
you can actually live on.

$1,667/mo per $250K invested.

8.0%
Current Yield*
Net to you, after all fund fees
28 mo
Consecutive Distributions
Monthly distributions since November 2023
$84K+
Distributions Paid
Total cash distributed to LP investors to date
*Based on current fund allocation. Past performance is not indicative of future results. Not a guarantee.
The Fund

One investment. Monthly income. 10 funds.

You write one check. We spread it across 10 private lending companies that pay monthly interest. You get one deposit, one tax form, and one person to call.
THE SHORT VERSION
You invest once. We handle everything. You get paid every month.
The GYC Income Fund is a private investment fund that pools your money with other accredited investors and spreads it across 10 carefully vetted lending funds. These funds make loans backed by real assets — real estate, aircraft, medical receivables — and the interest borrowers pay becomes your monthly income.

You get one investment, one tax document (a K-1), and a deposit in your bank account every month. The fund targets 10%+ annual returns to investors, with a maximum of 99 investors and $10M total.
Fund Performance
Net LP yield
Targeting at $5.5M allocation
8.0%
Consecutive distributions 28 months
Manager co-invest $400K
Total cash paid out $84,455
Spots remaining 95 of 99
Profitable since Day 1 ✓
Fund since Nov 2023
What you get
10%+
Targeted annual return
Before taxes. After all fund fees are paid.
Monthly
Cash distributions
A real deposit in your bank account.
10 Funds
Diversified portfolio
Your money is spread across 10 different lending companies.
1 K-1
One tax form at year-end
K-1 = the form you give your accountant. We send one, not ten.
1st Position*
First lien position on underlying collateral
*No more than 5% of any fund's portfolio may be in 2nd position
Minimum investment
$100,000
Accredited investors only
Commitment
3 Years
Partial or full redemptions quarterly after the commitment period
Structure
Fund of Funds
You invest once. We manage ten relationships.
Manager
Pascal Wagner
$400K of his own money invested alongside yours
PW
A note from the manager
Why I built this fund.
I spent years researching private credit funds — and found that earning passive income outside the stock market meant navigating hundreds of alternative funds, with no easy way to know which ones were legitimate. I did the work: background checks, operator calls, loan tape reviews, audited financials. I built a system for vetting these funds because I had to. The GYC Income Fund was born from that process — a single investment that gives you monthly income from 10 carefully vetted lending companies.
— Pascal Wagner, Managing Member
Is this the right fit?
You need monthly income you can live on
You can commit capital for 3 years
You want hands-off, diversified exposure
You need liquidity within 3 years
You want 50%+ returns
You’re not accredited
Your Income

What does this actually pay me?

Drag the slider to your investment amount. The numbers below are based on what we’re actually paying investors today — not a projection.
$250,000
$100K$500K$1M$2M
Illustrative yield (based on current allocation): 8.0% annually*
$1,667
Deposited monthly
$20,000
Annual income (pre-tax)
$60,000
Total over 3 years
After the 3-year lockup, you may redeem your principal with 90 days’ notice — or keep it invested.
These distributions are income on top of your investment, not a drawdown of it.
These calculations are based on actual distributions paid over the past 28 months. Past performance is not indicative of future results.
Want to see exactly how fees work, when you get paid each month, and what this looks like after taxes? Click Detailed.
Track Record

28 months. Zero missed payments.

Since November 2023, every investor has received a monthly distribution — 28 consecutive months through March 2026. Past distributions are not indicative of future results.
Net LP Yield
8.0%
Annualized, net of all fees
Missed Distributions
0
28 consecutive months
Total Distributions
$84,455
Paid to LPs since inception
Monthly per $250K
$1,667
At current 8% net yield
What the fund earns vs. what you keep
Annualized Fund Gross Returns and LP Net Returns by month (2023–2026).
Gross returnLP net return
Total cash paid to investors
$84,455
Cumulative monthly distributions to LPs since inception (2023–2026).
Fund management team
Who Manages Your Capital
Pascal Wagner
Fund Manager · CEO
Pascal Wagner
Founder and managing member of GYC Income Fund. Real estate investor, fund operator, and host of Grow Your Cashflow — helping accredited investors build passive income through private credit and fund-of-funds investing.
Sanjay Vora
Fund Administrator · Avestor
Sanjay Vora
Fund administration via Avestor — providing subscription management, investor portal, distribution processing, K-1 coordination, and compliance infrastructure for the GYC Income Fund.
Michael Fugler
SEC Attorney
Michael Fugler
Securities and regulatory counsel for GYC Income Fund. Advises on Reg D / 506(c) compliance, blue sky filings, PPM drafting, and ongoing SEC reporting requirements for private fund offerings.
Manager Invests Alongside You
Pascal invests $400,000 of his own capital alongside LPs — same terms, same risk, same upside.
$400K
Why GYC has a structural edge
Built-In Advantages That Compound Over Time
Side letters & preferential terms
GYC’s relationship with Stratus Financial includes a 20% preferred return side letter — terms not available to investors going directly. This is the compounding advantage of GP relationships.
Media platform as sourcing moat
The Grow Your Cashflow podcast and YouTube channel give Pascal direct access to fund managers — and a trust signal that cold outreach never gets. GYC evaluates managers months before publishing them.
3+ years inside these funds
Pascal has been an LP in the underlying funds personally since 2022 — before GYC Fund launched. The track record you’re reading includes his own capital.
“GYC did the work I didn’t have time for. Now I get one deposit every month and one K-1 at tax time.”
— Philip Lima, LP Investor
The Portfolio

Where does my money go?

8–12 funds · no single fund > 25%
Think of it like a basket of different lending companies. Some lend on real estate, some on aircraft, some on medical bills. If one has a bad quarter, the others keep paying you. No single fund holds more than 25% of your money.
Allocation %
Gross Yield %
Blended Portfolio
Weighted average across all 10 funds
100%
13.6%
1,000+ funds reviewed → 10 in portfolio. Every fund: first-lien, audited, 3+ year track record.
Want to see every fund by name, what they lend on, and how they’ve performed? Click Detailed.
Risks

Can I lose my money?

Yes, it’s possible — this is an investment, not a savings account. But here’s exactly what would have to go wrong, and what we do to make it unlikely.

🔒 3-year commitment — and that’s by design

Trade-off
The 3-year commitment is what gives you access to these private credit returns. If these funds were liquid, they wouldn’t pay 10%+. The lockup is the premium — it’s the reason this yield exists. After 3 years, quarterly partial or full redemptions are available with 90 days’ notice.

📈 Interest rates could compress yields

Moderate
6 of our 10 funds (65% of allocation) have some sensitivity to interest rates. Our 3 rate-independent funds provide meaningful insulation.

⚠️ An underlying fund could fail

Unlikely
Every fund is audited, with multi-year track records. No single fund holds more than 25%. For principal to be at material risk, 3+ funds would need to fail simultaneously.

👥 You’re trusting Pascal to manage this

Operator risk
Full bank statement transparency, GP co-invests alongside LPs, open calendar for any LP to schedule a review.

❌ Returns depend on 10 fund managers performing

Reality
8–10% is a target, not a promise. Your income comes from 10 independent fund managers each running their own lending operations. If any of them underperform, it affects the blended yield. LP distributions are paid before GP carry, giving you first priority on income.

No guarantees. But 10 independent managers, all first-position, all audited, across 4 asset classes.

Want to stress-test this? Click Detailed for per-fund risk analysis, interest rate exposure, and worst-case scenarios.
“I can see exactly where every dollar is. Pascal sends updates I actually read.”
— Matt Sommers, LP Investor
Investors

What our investors say

Real feedback from real LPs. No scripts, no edits — just their experience investing alongside us.
TS
Tod Spooner
“I was looking for something outside the stock market that could actually generate monthly income. 14 months in, the deposit shows up every month like clockwork.”
GW
Gabriela Wagner
LP Investor since 2023
“I wanted monthly income I could count on without worrying about the stock market. I get a deposit every month and I don’t have to think about it.”
PL
Philip Lima
“I spent months trying to vet private credit funds on my own. GYC did the work I didn’t have time for. Now I get one deposit every month and one K-1 at tax time.”
MS
Matt Sommers
Video
“I can see exactly where every dollar is and what it’s earning. Pascal sends updates I actually read. That level of transparency is rare in this space.”
INVEST CLEARLY
Verified Third-Party Review
★★★★★ 5.00 (1 review)
Claimed Profile Actively Raising
Verified Investor · July 17, 2025
“Great debt fund and communication”
Invested in the debt fund which was a lower entry point that directly with DLP. Solid communication with consistent distributions. Pascal is easy to work with and communication is great. Will be investing more soon.
Testimonials reflect individual investor experiences and are not guarantees of future results. All private fund investing involves significant risk of loss. Past distributions are not indicative of future distributions.

Let’s talk.

Book a 15-minute intro call with Pascal. No commitment, no pitch — just an honest conversation about whether this is the right fit for your situation.

☎ Book a call
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This material is for informational purposes only and does not constitute an offer to sell or solicitation to buy securities. Any offering will be made only through a Private Placement Memorandum (PPM). Past performance is not indicative of future results. Private fund investing involves substantial risk of loss. Returns, distributions, and preferred returns are targets only and are not guaranteed. See PPM for complete risk factors. For accredited investors only. GYC Income Fund · Grow Your Cashflow LLC · growyourcashflow.com
Data & Sources