Italian Non-Performing Loan Fund

Institutional-Grade Returns in Italian NPLs

A specialist fund targeting real estate-secured non-performing loans in Italy. Fixed coupon structure with asymmetric upside from a shrinking, specialist-dominated market.

12%
Fixed Coupon
12-15%
Target Net IRR
Unlevered
Return Profile

Why Italian NPLs. Why Now.

Italy holds one of Europe's largest residual non-performing loan stocks. As flow shrinks and buyers consolidate, specialist operators with local court expertise and real estate recovery capabilities command a structural premium.

1

Massive Residual Stock

An estimated €53 billion in residual NPL stock remains in the Italian banking system, creating sustained deal flow for specialist buyers with local expertise.

2

Shrinking Supply, Rising Premium

As Italian banks deleverage and NPL flow declines, remaining inventory concentrates among fewer specialist operators. Reduced competition drives wider spreads and better entry pricing.

3

Real Estate Security

Fund positions are backed by Italian real estate collateral, providing downside protection. Recovery is driven through established Italian court processes with direct property access.

Italian NPL residual stock €53Bn
Collateral type Italian Real Estate
Fixed annual coupon 12%
Target net IRR (unlevered) 12–15%
Market dynamics Shrinking Flow
Competitive positioning Specialist Premium

Track Record

Proven execution across Italian NPL transactions, with consistent recovery multiples driven by deep local market knowledge and direct real estate management.

Landmark Transaction
4x
Gross Return Multiple
Como deal — a single-asset NPL acquisition in the Lake Como region of Northern Italy. Real estate-backed recovery through the Italian judicial system, achieving a 4x gross multiple on invested capital through direct property management and court-mediated resolution.
Portfolio Recovery
318%
Average ROI
Morgan Stanley repossession portfolio — a diversified pool of Italian NPL positions originally held by Morgan Stanley. Systematic recovery through real estate repossession and court-managed disposition, delivering an average 318% return on investment across the portfolio.

Key Terms

Structured for alignment, transparency, and institutional governance.

Fund Name Hubble Capital Fund
Strategy Italian NPL / Real Estate
Fixed Coupon 12% per annum
Target Net IRR 12–15% (unlevered)
Collateral Italian Real Estate
Eligible Investors Qualified / Professional Only
Investor Eligibility

Hubble Capital Fund is available exclusively to qualified investors and professional investors as defined under applicable securities regulations (including MiFID II and national implementing legislation). This offering is not available to retail investors.


Prospective investors are encouraged to consult their legal, tax, and financial advisors to determine eligibility and suitability before expressing interest.

Investor Inquiry

For qualified and professional investors interested in learning more about Hubble Capital Fund. Complete the form and our investor relations team will follow up directly.

Prefer to reach out directly?

allocatoriq@polsia.app

Inquiry Received

Thank you for your interest in Hubble Capital Fund. Our investor relations team will review your inquiry and respond within two business days.

Important Disclosures

This website is provided for informational purposes only and does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or investment product. Any such offer would only be made by means of a formal offering memorandum or similar documentation, which would contain material information not available on this website, including risk factors.

Hubble Capital Fund is available exclusively to qualified investors and professional investors as defined under applicable securities regulations, including the Markets in Financial Instruments Directive (MiFID II) and relevant national implementing legislation. This material is not intended for, and should not be relied upon by, retail investors.

Past performance is not indicative of future results. The track record information presented (including the Como deal and Morgan Stanley repossession portfolio) reflects historical outcomes of specific transactions and should not be construed as a guarantee, projection, or prediction of future performance. Actual results may differ materially.

All investments involve risk, including the possible loss of principal. The value of investments and the income derived from them may go down as well as up. Non-performing loan investments involve particular risks including but not limited to: credit risk, real estate market risk, Italian judicial process risk, currency risk, liquidity risk, and regulatory risk.

The information contained herein is based on sources believed to be reliable but is not guaranteed as to accuracy or completeness. Target returns are based on certain assumptions and analysis, are hypothetical in nature, and do not represent actual performance. There can be no assurance that the target returns will be achieved.

Prospective investors should carefully review the offering documents and consult with their own legal, tax, and financial advisors before making any investment decision.