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If you’ve spent any time looking at places to park cash lately, you’ve probably anchored on the same numbers everyone else has: 4–5% from high-yield savings accounts or short-term CDs, maybe a bit more if you shop aggressively.
That range has started to feel like the new normal for “safe” money.
What fewer people realize is that there’s a separate corner of the market (private real-estate credit) where some funds are targeting closer to 8% in income, with returns driven by interest payments rather than property appreciation.
That’s the space the Arrived Private Credit Fund operates in.
Since launch, the fund has paid a annualized dividend of 8.1% or higher, generated almost entirely from interest on short-term real-estate loans.
It’s not risk-free and it’s not liquid like a savings account, but for investors willing to accept those tradeoffs, it shows how private credit can meaningfully outpace many mainstream yield options.
At its core, the fund lends money to professional real-estate operators through short-term loans, typically lasting six to 36 months.
Individual loans generally fall in the $100,000 to $500,000 range and are used for projects like renovations, rehabs, bridge financing between purchases and sales, or ground-up residential construction.
Rather than concentrating risk in a single deal, the fund holds dozens of loans at once across different markets.
Each project represents only a small slice of the overall portfolio, which helps spread risk if any individual loan runs into trouble.
Crucially, these loans are secured by residential real estate in the first-lien position. That means the fund is first in line to be repaid if a borrower defaults and the property has to be sold.
Arrived also underwrites loans with conservative loan-to-after-repair-value targets (often below 70%) creating a cushion between what’s lent and the estimated value of the finished property.
The goal is to produce something closer to a bond-like income stream, even though this is still private credit, not a government bond and not a guaranteed product.
According to Arrived’s own disclosures, the Private Credit Fund has delivered annualized dividends of about 8.1% since launch. The emphasis here is on income, not growth.
Returns are driven almost entirely by interest payments, with little expectation of share price appreciation.
