{"id":1109,"date":"2025-10-29T12:30:10","date_gmt":"2025-10-29T12:30:10","guid":{"rendered":"https:\/\/iqeq.com\/in\/insights\/a-quick-guide-to-private-credit\/"},"modified":"2026-01-12T10:14:45","modified_gmt":"2026-01-12T10:14:45","slug":"a-quick-guide-to-private-credit","status":"publish","type":"post","link":"https:\/\/iqeq.com\/in\/insights\/a-quick-guide-to-private-credit\/","title":{"rendered":"A quick guide to private credit\u00a0\u00a0"},"content":{"rendered":"<section class=\"text-block standard-spacing  \">    <div class=\"container fade-in\">\n        <p><i><span data-contrast=\"auto\">By Graham Roche, Director, Private Credit and Debt Solutions<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/iqeq.com\/services\/private-debt\/\"><span data-contrast=\"none\">Private credit<\/span><\/a><span data-contrast=\"auto\"> has become one of the fastest-growing asset classes in recent years, offering investors an alternative to traditional bank lending and public markets. With total global private credit assets under management (AUM) at<\/span> <span data-contrast=\"auto\">around $1.7 trillion currently, the asset class is forecast to hit an all-time high of $2.64 trillion in 2029, <\/span><a href=\"https:\/\/www.preqin.com\/insights\/global-reports\/2025-private-debt\"><span data-contrast=\"none\">according to Preqin<\/span><\/a><span data-contrast=\"auto\">.<\/span> <span data-contrast=\"auto\">The private credit market continues to attract attention from institutional investors and high-net-worth individuals seeking portfolio diversification and enhanced cash flow.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">But what constitutes private credit? What\u2019s driving its extraordinary growth? Why is it so attractive to investors? Who\u2019s doing the lending and borrowing in this space? What areas of private credit are seeing the most growth? And what structures are being used to facilitate private credit lending? In this quick and, we hope, helpful guide to private credit, you\u2019ll find answers to all these key questions and more.<\/span><\/p>\n            <\/div>\n<\/section>\n\n<section class=\"accordion standard-spacing\">\n    <div class=\"container\">\n                    <div class=\"accordion\">\n                                    <div class=\"accordion-item open\">\n                        <div class=\"title\">\n                            <p>What is private credit? <\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Also referred to as\u202f<\/span><b><span data-contrast=\"auto\">private debt<\/span><\/b><span data-contrast=\"auto\">,\u202f<\/span><b><span data-contrast=\"auto\">non-bank lending<\/span><\/b><span data-contrast=\"auto\"> or\u202f<\/span><b><span data-contrast=\"auto\">alternative lending<\/span><\/b><span data-contrast=\"auto\">, private credit encompasses a range of\u202f<\/span><b><span data-contrast=\"auto\">fixed income investing<\/span><\/b><span data-contrast=\"auto\">\u202fopportunities that are typically illiquid and higher yielding. These include:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Secured debt<\/span><\/b><span data-contrast=\"auto\">\u202fwith senior positions in the capital structure<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Distressed debt<\/span><\/b><span data-contrast=\"auto\">\u202fwith equity-like risk and return profiles<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Asset-backed finance <\/span><\/b><span data-contrast=\"auto\">(also known as asset-based lending or asset-based credit), which typically provides exposure to granular portfolios of underlying credit positions\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Mezzanine financing<\/span><\/b><span data-contrast=\"auto\">,\u202f<\/span><b><span data-contrast=\"auto\">venture debt<\/span><\/b><span data-contrast=\"auto\"> and\u202f<\/span><b><span data-contrast=\"auto\">special situations<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Private credit strategies are designed to meet the financing needs of borrowers while offering attractive returns to lenders and investors alike, through customised structures and longer maturity profiles.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>Key drivers of growth in private credit\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Several factors have contributed to the expansion of the private credit market:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Shift away from traditional bank lending<\/span><\/b><span data-contrast=\"auto\">: Basel 3.1 further increases the amount of capital that banks are required to maintain with a view to absorbing expected and unexpected credit losses. This means that banks will continue to retrench and provide lower levels of finance to the real economy, inevitably resulting in increased demand for finance from the private credit industry<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Borrower appeal<\/span><\/b><span data-contrast=\"auto\">: Private credit offers speed, flexibility and predictability, making it an attractive option for businesses seeking tailored debt finance solutions<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Higher yields<\/span><\/b><span data-contrast=\"auto\">: Loans in the private credit market often deliver higher yields than bank originated loans, whilst private credit portfolios typically outperform other asset classes when monetary policy tightens due to the underlying floating rate exposures.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>Why private credit managers are better suited to providing term debt and specialty finance than traditional banks\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Whether the lender is a licenced bank or a private credit fund, there is a degree of inevitability that some borrowers will go into a state of financial distress, and that lenders may face the prospect of loan losses. However, there are various reasons why private credit is better suited to providing credit than the traditional banks, including:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Pro-active monitoring:<\/span><\/b><span data-contrast=\"auto\"> Private credit managers have smaller portfolios of borrowers than banks and this allows them to better monitor trading performance and react more quickly to agree appropriate corrective action plans with their underlying borrowers and minimise loan losses. Many private credit managers see opportunity where traditional lenders see threat, and a debt restructuring is likely to result in a private credit fund owning a majority stake in its obligor, which could result in enhanced returns being achieved relative to the original senior debt financing base case<\/span><span data-ccp-props=\"{&quot;134233279&quot;:false,&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Less scope for maturity mismatch<\/span><\/b><span data-contrast=\"auto\">: Private credit has traditionally been deployed through closed-ended fund vehicles where investors can\u2019t seek redemptions, whereas the traditional source of funding for bank loans is overnight deposits\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:false,&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Alignment of interests:<\/span><\/b><span data-contrast=\"auto\"> Private credit managers typically co-invest alongside their fund investors (i.e. have skin in the game) and are incentivised through performance fees \/ carried interest to optimise the recovery of loan principal and interest. This is in sharp contrast to traditional bank lending where performance-related pay incentives for bank lending teams are linked to loan deployment (with no regard to recovery)<\/span><span data-ccp-props=\"{&quot;134233279&quot;:false,&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>Who\u2019s investing in private credit?\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">The main investors in private credit are insurance companies, pension funds, <\/span><a href=\"https:\/\/iqeq.com\/services\/sovereign-wealth-funds\/\"><span data-contrast=\"none\">sovereign wealth funds<\/span><\/a><span data-contrast=\"auto\">, family offices, other investment funds (fund of funds) and high-net-worth private clients.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>Why is private credit attractive to investors?\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <ul>\n<li><span data-contrast=\"auto\">Stability of returns<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Reliable income streams<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Floating rates \u2013 a natural hedge against inflation<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Seniority in capital stack \u2013 lower risk than private equity<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Attractive risk-adjusted returns<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Portfolio diversification<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>What\u2019s driving the demand for \u2018evergreen\u2019 credit funds?\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Institutional investors are becoming increasingly drawn to <\/span><a href=\"https:\/\/the-drawdown.com\/article\/evergreen-funds-in-the-eu-five-key-considerations-to-know-before-you-launch\"><span data-contrast=\"none\">evergreen credit funds<\/span><\/a><span data-contrast=\"auto\">, which can allow for periodic redemptions and top-up subscriptions\/commitments \u2013 making it easier for pension funds and other institutional investors to rebalance their portfolios and adjust allocations compared to closed-ended funds. Evergreen funds can be structured as closed- or open-ended vehicles.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">From the general partner (GP)\u2019s perspective, evergreen credit funds allow the GP to raise capital as and when it chooses from a single fund vehicle, thus reducing reliance on cyclical fundraising campaigns associated with traditional closed-ended funds. It also means that the GP can easily recycle principal repayments into new credit investments and avoid being forced to exit deals at sub-optimal stages of the economic cycle, which might otherwise be the case in closed-ended funds that are in the back end of their harvesting phase.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>Who is lending and borrowing in private credit?\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">The private credit ecosystem includes a diverse mix of lenders and borrowers:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Lenders<\/span><\/b><span data-contrast=\"auto\">: Private credit funds, insurance companies, platform lenders (FinTechs), public pension funds and family offices<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Borrowers<\/span><\/b><span data-contrast=\"auto\">: Whilst middle market companies and larger enterprises account for the majority of private credit exposures by value, the evolution of the FinTech sector over the last decade has seen platform lenders provide small and medium-sized enterprises (SMEs) and consumers with expedient access to non-bank financing.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/li>\n<\/ul>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>Fundraising for private credit funds\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Private credit funds are structured to support various investment strategies, including direct lending, asset-based finance, distressed debt, mezzanine debt and venture debt. Across these various strategies, asset managers are seeking to raise $510.6bn worth of capital across 1,369 individual private credit funds (as at September 2025, according to Preqin Pro data).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">When comparing fundraising trends across major regions,\u202fNorth America and Asia-Pacific\u202fare forecast to grow steadily at\u202f3.40% and 3.35% respectively, though the latter is growing from a modest base. In contrast, Europe\u2019s fundraising is expected to remain flat, bottoming out at\u202fUS$42 billion of new fundraising in 2025\u202fbefore recovering to\u202fUS$61 billion by 2029, matching its 2023 capital raise levels.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In Europe, regulatory developments are unlocking new opportunities for private credit. The implementation of\u202f<\/span><a href=\"https:\/\/iqeq.com\/insights\/guide-to-eltif-2-0\/\"><span data-contrast=\"none\">ELTIF 2.0<\/span><\/a><span data-contrast=\"auto\">\u202fin the EU and the broader adoption of\u202flong-term asset funds (LTAFs)\u202fin the UK have spurred a wave of significant fund launches in 2024. These changes, together with the introduction of a <\/span><a href=\"https:\/\/iqeq.com\/insights\/aifmd-2-one-year-to-go-what-do-private-credit-managers-need-to-know\/\"><span data-contrast=\"none\">pan-European harmonised loan origination framework under AIFMD II<\/span><\/a><span data-contrast=\"auto\">, are expected to further\u202fcatalyse growth and unlock the potential of private credit\u202facross the region.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>What private credit segments are seeing most growth?\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Mid-market corporate lending (i.e. direct lending) continues to be the most popular segment, although many of the leading credit managers in this space have been focusing more on the large cap segment in recent times, having successfully raised jumbo-sized funds with capital commitments in the tens of billions of dollars.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Asset-backed finance has become very popular with investors, as exposure to these granular pools (which typically comprise tens\/hundreds of thousands of amortising loans) can provide greater diversification, enhanced cashflows and lower risk than direct lending funds, which typically receive quarterly interest payments and bullet repayment of principal at maturity five years later. Furthermore, with the right structuring, asset-backed finance strategies can provide similar returns to investors as direct lending funds.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"accordion-item\">\n                        <div class=\"title\">\n                            <p>What types of structures are used for private credit lending?\u00a0<\/p>\n                            <div class=\"toggle\"><\/div>\n                        <\/div>\n                        <div class=\"expanded\">\n                            <div class=\"inner\">\n                                <p><span data-contrast=\"auto\">Whilst FinTechs, asset-backed lenders and some direct lending managers primarily use unregulated special purpose vehicles (SPVs) to originate credit, most non-bank lending is originated through fund structures such as ELTIFs, Luxembourg RAIFs, and <\/span><a href=\"https:\/\/iqeq.com\/insights\/why-u-s-managers-are-turning-to-irish-vehicles-over-the-traditional-season-and-sell-model\/\"><span data-contrast=\"none\">Irish ICAVs and ILPs<\/span><\/a><span data-contrast=\"auto\">, which can provide investors with greater protection and facilitate more efficient capital raising (e.g. through the <\/span><a href=\"https:\/\/iqeq.com\/insights\/accessing-eea-investors-a-u-s-fund-managers-guide-to-raising-capital-in-europe\/\"><span data-contrast=\"none\">European AIFM marketing passport<\/span><\/a><span data-contrast=\"auto\">).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <\/div>\n<\/section>\n\n<section class=\"text-block standard-spacing  \">    <div class=\"container fade-in\">\n        <h2>Outlook for private credit<\/h2>\n<p><span data-contrast=\"auto\">The private credit market is projected to continue growing at a rapid pace, driven by ongoing demand for non-bank lending and innovative financing solutions.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As private credit evolves, new strategies are emerging, including ESG-focused lending and sector-specific funds. New legislations such as ELTIF and LTAF also play a growing role in democratising access to private credit for retail investors.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">As private debt\/credit is now a significant part of the alternative investment universe, you need the right supporting partner to fully realise emerging opportunities. At IQ-EQ, our\u202f<\/span><\/b><a href=\"https:\/\/iqeq.com\/services\/private-debt\/\"><b><span data-contrast=\"none\">Global Private Debt and Credit Desk<\/span><\/b><\/a><b><span data-contrast=\"auto\"> team\u202fhas an unrivalled combination of experience, global reach and technology at our fingertips.\u202f<\/span><\/b><a href=\"https:\/\/iqeq.com\/make-an-enquiry\/\"><b><span data-contrast=\"none\">Get in touch today<\/span><\/b><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n            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