MERIDIANPRIVATE CREDIT & OPPORTUNITIES
Private Credit & Opportunities Note

Fixed 10%.Privately structured.

A private credit note paying 10% simple interest, annually or quarterly, over a 12 or 24-month term. Available in GBP, EUR and USD from 25,000.

Apply now → How it works

For sophisticated and high net worth investors. Not available to UK residents.

Illustrative, per 100,000 invested
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Fixed yield
10%p.a.
Term
12 or 24months
Interest paid
Annuallyor quarterly
Minimum
25,000GBP · EUR · USD
Why Meridian

A straightforward note. A disciplined mandate.

Meridian is built for investors who want a fixed, predictable income from private credit, without the complexity of managing positions themselves.

01

Fixed, simple return

10% per annum simple interest, accruing daily from the day your funds arrive, in GBP, EUR or USD.

02

Income on your schedule

A 12-month term with interest paid annually, or a 24-month term with interest paid quarterly.

03

A two-sleeve mandate

60% in structured income positions, 40% in special situations, managed with full discretion by Meridian.

The Notes

Your term. Your income.

A 12-month Note paying interest annually, or a 24-month Note paying quarterly. Both share the same Meridian mandate.

12-month termOpen

12-Month Note

10%
Per annum
12
Month term
Annual
Interest
  • InterestPaid annually
  • CurrenciesGBP · EUR · USD
  • Minimum25,000
  • At term endRolls over unless notice is served
  • Notice deadlineEnd of month 9
Apply → Term sheet
24-month termOpen

24-Month Note

10%
Per annum
24
Month term
Quarterly
Interest
  • InterestPaid quarterly
  • CurrenciesGBP · EUR · USD
  • Minimum25,000
  • At term endRolls over unless notice is served
  • Notice deadlineEnd of month 21
Apply → Term sheet
How it works

From application to income.

A simple, four-step process, with one decision to make at the end of each term.

1

Apply

Choose your term and currency, then complete the online application.

2

Verify

Our compliance team reviews your application and documents, typically within 2–3 business days.

3

Fund

Once accepted, you receive payment instructions in GBP, EUR or USD. Interest accrues from the day funds arrive.

4

Earn

Receive interest annually or quarterly. At term end, roll over or redeem with three months' notice.

Each 12-month term

Serve notice by the end of month 9 to redeem at month 12. Without notice, the Note rolls over for a further term. On a 24-month term, the deadline is the end of month 21.

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Notice window Notice deadline Notice closed for this term Redemption date
Model your income
£100,000
£25,000£500,000
Term

Interest paid quarterly.

Illustrative only. Assumes 10% p.a. simple interest and full payment by the Issuer. Returns are not guaranteed and capital is at risk.

Total interest over the term
£20,000
Paid as 8 quarterly payments of £2,500 Principal of £100,000 returned at month 24 on redemption
24-month Note · quarterly
Investment mandate

Where the capital is deployed.

Meridian manages capital with full discretion across two sleeves. Allocations may move within ±20% without noteholder consent.

Sleeve A

Structured Income

60%
Allocation
20%
Target p.a.*
±20%
Flex range
  • Co-investment positions in identified private opportunities
  • Private credit, structured debt and secured lending
  • Fixed and floating-rate instruments and asset-backed securities
Sleeve B

Special Situations

40%
Allocation
None
Contractual return
±20%
Flex range
  • Dislocated or distressed assets
  • Opportunistic co-investments and private equity
  • Working capital for the Issuer's acquisition pipeline
Repayment. The Issuer's obligation to pay interest and repay principal is unconditional and not contingent on investment performance. It is funded from Sleeve A proceeds and, where necessary, the Issuer's own balance sheet, and is only as strong as the Issuer's financial position. *Target, not guaranteed.
Risk warning

Understand the risks before you invest.

A summary only. Read the full Risk Factors document before subscribing.

01

Capital at risk

You may lose some or all of your investment. Returns are not guaranteed and the Issuer is not credit rated.

02

Illiquidity

There is no secondary market. You can only exit at the end of a term, having given three months' notice.

03

Rollover

No fixed maturity. Capital is not returned automatically — you must serve a Redemption Notice before the deadline.

04

Manager discretion

Meridian has wide discretion. Noteholders cannot direct or veto individual investment decisions.

05

Sleeve B & concentration

40% of capital carries no contractual return. Sleeve A is not broadly diversified.

06

Eligibility & currency

Not available to UK residents, and not approved by any regulator in your jurisdiction. If your home currency differs from your Note's, you bear FX risk.

CAPITAL AT RISK. The value of investments can go down as well as up. You may not get back the amount you invest. This Note is illiquid, currently unsecured, and has no fixed maturity date. Past performance is not a reliable indicator of future results. Seek independent legal, tax and financial advice before subscribing.
Documentation

Investor documents.

Read the Term Sheet and Risk Factors in full before applying. Payment instructions are issued individually once an application is accepted.

PDF

Term Sheet

Both Notes: 12-month (annual interest) and 24-month (quarterly interest).

Download ↓
PDF

Risk Factors

Material risks of both Notes. Please read before applying.

Download ↓
About Meridian

Private credit, patiently managed.

Meridian manages the Note's capital under a discretionary private credit and special situations mandate, aiming to fund a fixed 10% return from a disciplined core of structured income positions.

Investors hold a straightforward instrument: a registered loan note paying fixed simple interest on a schedule they choose, with a clear decision point at the end of each term.

The Note is issued by Compass Wealth International Ltd.

Instrument
Fixed-rate loan note, registered and unlisted
Manager
Meridian
Issuer
Compass Wealth International Ltd
Currencies
GBP, EUR or USD
Minimum
25,000
Eligibility
Non-UK residents: sophisticated & HNW investors
Contact
hello@tcg-ltd.com
Application

Apply online.

Around 15 minutes. Have your passport or national ID, a proof of address dated within the last 3 months and your source-of-funds evidence ready. Not available to UK residents. Subscription is only effective once countersigned by the Issuer.

  1. 1Investor details
  2. 2Identity & KYC
  3. 3Subscription
  4. 4Source of funds
  5. 5Classification & declarations
  6. 6Review & submit
Step 1 of 6

Investor details

Enter your details exactly as they appear on your passport or national ID.

Applying as *
Please select a title.
Please select a valid date. You must be 18 or over.
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Please enter a valid email.
Include your country code.
Residential address
Required.
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Identity & KYC

Required under the Financial Intelligence and Anti-Money Laundering Act 2002 (Mauritius). Upload clear copies of your documents. Accepted formats: PDF, JPG, PNG — PDFs up to 3 MB each; photos are resized automatically.

Required.
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Please select a valid, unexpired date.
Uploads
Passport / ID *
Please upload a PDF under 3 MB, or a photo (JPG/PNG).
Proof of address *
Please upload a PDF under 3 MB, or a photo (JPG/PNG).

Subscription

Payment instructions and your payment reference will be sent once your application and KYC have been reviewed. Please do not transfer funds before then.

Interest paid *
Set by your term: 12 months pays annually, 24 months pays quarterly.
Minimum 25,000 in your chosen currency
Minimum subscription is 25,000.
Bank account for repayment

Interest payments and redemption proceeds will be paid to this account. It must be in your name.

Required.
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Source of funds

The Issuer is required to verify the origin of the funds being invested.

Primary source of funds *
Please select one.
Required.

Classification & declarations

This Note is not offered to retail investors.

I confirm that I am *
Please select a classification.
Declarations — please confirm each *
Please confirm all declarations.
You will also be asked to sign the Application Form and Risk Factors acknowledgement for countersignature by the Issuer.
Must match the name you entered in step 1.

Review & submit

Please check your details. You can go back to make changes.

By submitting, you confirm the declarations in step 5. Your documents are transmitted securely to the Issuer's compliance team. Subscription is only effective upon acceptance and countersignature by the Issuer.

Application received

Thank you. Our compliance team will review your application and KYC documents and contact you by email, typically within 2–3 business days. Payment instructions will be sent once your application has been accepted.

Your payment reference will be:

—

Please do not transfer funds until you receive instructions from us. If anyone contacts you with different payment details, call us before paying.

Meridian Private Credit & Opportunities Note

Ready when you are.

Choose your term, read the documents, and apply online in around 15 minutes.

Apply now → Download documents
Apply now →