Private credit offers stable yields relatively with lower risk through senior and secured loans.
It can be a powerful complement to traditional fixed income strategies, offering recurring income generation, low correlation to traditional asset classes, return enhancement, and portfolio diversification.
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Private credit transactions, characterised by direct negotiation between lender/arranger and borrower, prioritise extensive due diligence and robust downside protection.
Private credit investors benefit from stronger structural protections through covenants, security, and higher pricing premium.
Borrowers also benefit from certainty of terms, flexibility in structuring, and an efficient process compared to the public market.
Private credit investments, particularly in the alternative lending space, often feature collateralisation in a senior position, providing investors with security over variety of collateral assets. This means that in case of default, these loans have priority claim to the underlying assets, allowing for potential recovery of capital by monetising the assets.
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