Purchase Dispensations and Minimum Investment Requirements

Investing in Placements Oméga S.E.C. is typically offered to Canadian residents who meet certain eligibility conditions under one of the following prospectus exemption dispensations for investment. The dispensations and their respective minimum initial investment amounts, as per applicable securities laws, are as follows:

• Qualified Investor Placement Dispensation: This dispensation is only available to "qualified investors" as defined in Regulation 45-106 – Prospectus Exemption. The minimum initial purchase amount under this dispensation is $100,000.00 (as determined by the manager). Subsequently, investments in increments of $50,000 are permitted.

• Minimum Amount Dispensation: This dispensation is offered to investors who are not individuals, and the minimum initial purchase amount is $150,000.00.

Investors should contact their securities broker or financial advisor for more information about these dispensations and their requirements.

If you are eligible for any of the above dispensations and can comfortably invest the specified minimum amount, please accept the disclaimer below to learn more about Placements Oméga S.E.C fund.

* This document is provided for informational purposes only and offers general information about the limited partnership fund Placements Omega S.E.C. (the "fund"). Oméga Capital Privé Inc. is the general partner of Placements Oméga S.E.C. The fund is a prospectus-exempt fund and is not subject to the same regulatory requirements as publicly offered investment funds by prospectus. Fund units are generally reserved for "qualified investors" (as defined in Regulation 45-106) and investment advisors. This document is not part of an offering memorandum and does not constitute an offer to sell or a solicitation of an offer to purchase units of the fund. Such an offer or solicitation can only be made through and in accordance with the terms of the subscription agreement and the limited partnership agreement of Placements Oméga S.E.C. (collectively, the "offering documents"). This document must be read in its entirety and considering the provisions of the offering documents.

The information herein is not intended to provide legal, accounting, tax, investment, or financial advice and should not be used as such. We strongly recommend consulting with your investment advisor to fully understand all the important terms of the fund and before embarking on an investment strategy. Investment in the fund may not be suitable for all investors. This document does not provide a complete description of the fund, or the risks associated with an investment in the fund and is subject to the provisions of the offering documents and the fund's constituent documents and must be read in its entirety in light of these provisions. The offering documents contain all information related to the fund, including risk factors. Fund returns are not guaranteed, and past returns are not necessarily indicative of future returns. The information in this document may change without notice. Therefore, only the most recent offering documents should be used to obtain information about the fund. The information contained herein is neither an offer nor a solicitation to anyone in Canada or in any other territory where such an offer or solicitation is not authorized or to persons to whom it is not permitted by law to make such an offer or solicitation.

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Explore the eligibility requirements for investing with Placements Oméga S.E.C.

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à propos

A private mortgage through a limited partnership offers several advantages:

Risk reduction:

You are investing in a portfolio of mortgages, which means your capital is not tied to a specific loan.

Monthly interest payments:

You are guaranteed to receive dividends and interest every month. Even if one loan defaults, you will still receive dividends and interest from all the other loans.

Peace of mind:

Your capital is managed by Gilles Laferrière and Michel Hillman: real estate experts possessing all the requisite skills in the field. Acting with integrity and ensuring the success of projects are central to their values.

01.

become
a limited partner

A limited partner holds one or more units of the limited partnership and entrusts the management of the Limited Partnership to its general partner, Oméga Capital Privé.

Returns

Each unit of the limited partnership is $100,000
After the initial contribution of $100,000, it is possible to add half-units of $50,000 each
It’s always possible to withdraw part or all the capital upon request
The limited partner must notify the general partner in writing 6 months before the end of the term if they wish to withdraw one or more units

If a limited partner needs to withdraw one or more units, the following options are available:

Wait for the repayment of a loan to the S.E.C, that can cover the amount to be withdrawn
Wait for the investment of another limited partner that can cover the amount to be withdrawn

omega capital prive investir commanditaires

02.

return

Return of Placements Oméga S.E.C loans. We aim to provide you with the best possible return, but never at the expense of safety and peace of mind.

Management

The limited partnership lends to real estate investors at an interest rate of 15% to 18 %
80% of the income from our loans is distributed to our limited partners
Our target return is 12 to 13%

When a loan is repaid, there may be a short period where the capital does not generate dividends and interest. Dividends and interest will be generated when the capital is lent again for a project
Considering the short periods between loans where a portion of the capital does not generate interest, the annual return for limited partners may vary slightly
All monthly dividends and interest received, minus the general partner's share, are distributed to each limited partner in proportion to the number of units they hold

The monthly payment of dividends and interest is made directly to the bank accounts of the limited partner
A significant portion of the income is in the form of dividends, which is more tax-efficient than interest. This ratio may vary depending on the types of loans provided

03.

management

The entire management of the limited partnership Placements Omega SEC is overseen by it is general partner, Oméga Capital Privé Inc.

Advantages

Operation

All loan applications are analyzed and approved by the general partner Omega Capital Privé Inc. (Gilles Laferrière and Michel Hillman)
In the monthly reports, the general partner shares information about loans that have been repaid, loans under review, or disbursed loans. The report may also contain comments on the economic situation and the strategy that the general partner intends to deploy to protect the entrusted capital
For the sake of transparency, we share our monthly bank statements with annotations with our limited partners
Limited partners can request additional information at any time

Investor Capital Safety

Oméga Capital Privé Inc prioritizes safety over returns
Loans are always secured by real estate assets and personal guarantees from all borrowers
Some loans may also be secured by a hypothec with delivery (with dispossession) of the company that owns a property or multiple properties, in addition to personal guarantees. In Canada these hypothecs are also called pledge or chattel mortgages
The analysis of loan applications is similar to that conducted by financial institutions (professional appraisals, financial statements, taxes and assessment notices, proof of income, financial analysis of the project, borrower background checks, candidates' experience, etc.)
Financial capacity checks are conducted on borrowers to ensure they will be able to meet the monthly interest payments
The analysis examines the viability and the level of risk in the anticipated method of capital repayment at the end of the project
In case of default, legal procedures will be used to recover the full amount of the loaned capital, the interest due, and legal fees
There has never been a default, foreclosure, or interest delay since the creation of Placements Omega SEC limited partnership

Monthly report

A monthly report is shared with all limited partners on the intranet.

The report details :

The total dividends and interest received during the month, the distribution among limited partners in proportion to their units, and the share given to the general partner

For each loan:

The borrower, property address, loan amount, loan start and maturity dates, as well as the dividends and interest received during the period

For each limited partner :

The amounts invested and the percentage of participation in the limited partnership
The dividends and interest paid for the period, the cumulative annual interest paid, the return for the period, and the year-to-date return

04.

advantages

Oméga Capital Privé provides capital managed by seasoned experts in the real estate industry through its investment opportunities facilitated by a limited partnership structure.

Qualify

A private mortgage loan through a limited partnership offers several advantages:

Risk reduction

Risk is shared among all limited partners. Your capital is not tied to a specific loan.

Loans are often shared with other private lenders, specialized alternative lending companies, or different limited partnerships.

Monthly Interest Payments

You are guaranteed of receiving interest every month. If a loan defaults (hypothetical situation), you will still receive interest from all the other loans. The interest on a defaulted loan will be delayed until the issue is resolved. Once resolved, all outstanding interest will be paid in full.

Your capital is managed by Gilles Laferrière et Michel Hillman: real estate experts with all the necessary skills in the fields. Always acting with integrity and ensuring the success of projects is at the core of their concerns.

qualify

If you meet the criteria below, you can contact us for more information.
Contact Us

The Autorité des marchés financiers (AMF) require for this type of investment that an investor be qualified. To this end, there are 4 main exemptions to invest in our limited partnership:

1) An individual whose net income before taxes exceeded $200,000 in each of the 2 most recent calendar years or whose net income before taxes combined with that of a spouse exceeded $300,000 in each of the 2 most recent calendar years and who, in either case, reasonably expects to exceed that net income level in the current calendar year. The initial investment is $100,000 and any subsequent investment will be a minimum of $50,000.

2) An individual who, either alone or with a spouse, beneficially owns financial assets having an aggregate realizable value that, before taxes but net of any related liabilities, exceeds $1,000,000. The house and other real estate do not count. The initial investment is $100,000 and any subsequent investment will be a minimum of $50,000.

3) An individual who, either alone or with a spouse, has net assets of at least $5,000,000 (may include the house and other real estate). The initial investment is $100,000 and any subsequent investment will be a minimum of $50,000.

OR

4) If the investor does not meet any of the above qualified investor criteria (1, 2, or 3), it is possible to use the minimum investment exemption, which allows a corporate entity (corporation, trust, etc.) to invest a minimum amount of $150,000. Any subsequent investment will also be $150,000. An investor cannot use this exemption to make a personal investment.

Reserved for investment advisors and qualified investors (as defined by National Instrument 45-106).

Issued by Omega Capital Privé Inc. ("Omega"), the general partner of Placements Oméga S.E.C.

* This document is provided for informational purposes only and offers general information about the limited partnership fund Placements Omega S.E.C. (the "fund"). Omega Capital Privé Inc. is the general partner of Placements Oméga S.E.C. The fund is a private placement and is not subject to the same regulatory requirements as publicly offered investment funds by prospectus. Shares of the fund are typically reserved for "qualified investors" (as defined in Regulation 45-106) and investment advisors. This document is not part of an offering memorandum and does not constitute an offer to sell or a solicitation of an offer to buy units of the fund. Such an offer or solicitation can only be made through and in accordance with the terms of the subscription agreement and the limited partnership agreement of Placements Oméga S.E.C. (collectively, the "offering documents"). This document should be read in its entirety and in light of the provisions of the offering documents.

The information herein is not intended to provide legal, accounting, tax, investment, or financial advice and should not be relied upon in that regard. We strongly recommend consulting your investment advisor to fully understand all important terms of the fund and before pursuing an investment strategy. An investment in the fund may not be suitable for all investors. This document does not contain a complete description of the fund, or the risks associated with an investment in the fund, and is subject to the provisions of the offering documents and the fund's constitutive documents, and must be read in its entirety in light of these provisions. The offering documents contain all information regarding the fund, including risk factors. Fund returns are not guaranteed, and past performance is not necessarily indicative of future returns. The information contained in this document may change without notice. Therefore, only the most recent offering documents should be used to obtain information about the fund. The information contained herein does not constitute an offer or solicitation to anyone in Canada or any other territory where such offer or solicitation is not authorized or to persons to whom it is not lawful to make such offer or solicitation.

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