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By:
Proof Capital Inc.
The Proof Capital Medical Receivables Yield Fund is an open-ended alternative investment fund providing investors with exposure to the U.S. personal injury medical receivables market. Through secured lending and profit-sharing arrangements, the Fund seeks to generate attractive income and capital appreciation from medical receivables while providing diversification outside traditional public markets.
*Target Net Annualized Return (13.7% since inception)
Location
Risk Profile
Moderate-High
Min. investment
$25,000 (CAD and USD options)
Investment Strategy
Fixed Income
Return
*11 – 15%
Horizon
Open-ended
The Proof Capital Medical Receivables Yield Fund provides access to a specialized alternative asset strategy focused on American personal injury medical receivables. The Fund supplies capital to medical providers while they await settlement of eligible receivables, seeking to generate returns through a combination of conventional lending and profit-sharing arrangements. Its investment approach combines opportunistic investing with fixed-income characteristics, targeting attractive risk-adjusted returns from a less traditional segment of the private credit market.
The Fund targets a net annualized return of 11–15%, although returns are not guaranteed.
Access to the U.S. personal injury medical receivables market.
The conventional loan book targets approximately 17–20% annually, while the profit-share book targets approximately 20–30%+ at the underlying investment level.
Exposure to an alternative strategy outside traditional equities and fixed income markets.
The Fund is open-ended, while underlying investments generally have an anticipated repayment cycle of approximately 1.5 to 2.5 years.
Combines fixed-income-style lending with opportunistic profit-sharing investments.
The Fund invests primarily in American personal injury medical receivables through conventional loans and profit-sharing investments. Capital is provided to medical providers seeking liquidity while awaiting payment or settlement of outstanding receivables. The strategy is designed to capitalize on the financing gap between the delivery of medical services and the eventual collection of receivables, generating returns through interest income and participation in receivable proceeds.
The strategic focus on specific U.S. jurisdictions—Florida, Michigan, New York, Texas, and California—is designed to minimize jurisdictional uncertainty and protect investor returns by prioritizing regions with well-established legal and insurance frameworks.
Because the Fund's investment strategy relies on a "Timing Premium" derived from the settlement of personal injury medical receivables, the reliability of the legal process is paramount.
Selecting these "structurally favorable" states is a risk mitigation strategy to ensure:

Proof Capital Inc. focuses on alternative investment opportunities across specialized and less-efficient private markets. Through the Medical Receivables Yield Fund, the investment team applies underwriting, portfolio diversification and active risk management to a portfolio of U.S. medical receivable-related investments, with a focus on generating attractive income and long-term risk-adjusted returns.
The Fund is supported by a highly experienced management team.