Capital Multiplier Loan
Capital Multiplier Loan (CML) is our branded name for the direct loan program we market.
CML → $10M+ held at your bank with full protection → qualifying capital (QC) unlocks regulated credit multiples for our private wealth lending partner. You receive 3-4× non-recourse loan (tiered by commitment size).
Capital returned in full, upon repayment + 5% annual rebate on QC amount.
Zero personal liability. Project is collateral for the loan. Your $10M returned once loan is settled
Multiply Your Opportunities
$10M QC preserves your liquidity while unlocking 3–4× non-recourse funding.
Ideal for commercial real estate, tech ventures, mining, oil/gas, refinancing expensive debt, acquisition rollups.
Fund your vision. Capital untouched.
Alberta-built execution. No friction.
Wholesale rates at SOFR +2.5%
48 months interest only, extensions possible
$10M+ balance-sheet commitment required
No application fees, no due diligence fees, no personal or corporate guarantees
Unmatched Terms
Your capital untouched, held in insurer's same-bank account.
Insurance policy is a modest fee, client's responsibility
Your capital acts as a balance sheet enhancement, not collateral.
Regulated banking multiples are secured by platform's own assets.
Platform lends their own funds.
Your QC is earning 5% annual rebate, and covers annual insurance premium.
Your QC is returned in full at settlement of loan.
Zero personal liability. No depletion.
Unrivaled Safety
In 2018 we met an independent private wealth-lending platform that was already doing something almost no one else could:
Put $10 M+ of client capital into safekeeping → trigger regulated credit multiples from their banking partners → deploy a fraction into project finance while the original capital stayed untouched, unencumbered and earning a rebate.
We knew instantly this was not ordinary private credit.
This was an engine.
Seven years later the same engine, capital fully protected, used purely as balance-sheet enhancement, never depleted, never pledged — now powers YieldShield Debt. The multiples that fund project finance now provides predefined monthly interest on the originating capital.
Same structure. Same counter-party. Same zero-depletion truth since day one.
We didn’t build the engine.
We were simply the first to recognize it was unstoppable.
Alberta-built conviction. No fiction.
Just the cleanest private debt solution most ultra-high-net-worth investors have never seen...until now
Why Wellcome Capital?
Explore Private Wealth Lending
Full transparency. No password. Instant access.
Download everything below from the vault. Read. Stress-test. Speak to counsel. Only then do we discuss the $10M+ commitment required.
CML Whitepaper
CML Mechanics
Sample Term Sheet (redacted)
Key reminder:
→ $10M+ sits fully protected in insuer's same-bank account, until loan is repaid or otherwise settled.
→ Not collateral, balance-sheet enhancement only.
When ready: wellcomecapital.com/consult