Private Credit
Institutional-grade access to Private Credit Investments through curated deal flow from private credit funds Australia and direct issuers (wholesale only).
Tap into senior secured loans, mezzanine tranches, and asset‑backed facilities that target predictable coupons while prioritising capital preservation. Every opportunity undergoes collateral analysis, covenant design, and stress‑testing before we present it to you.
What We Offer
Secured income opportunities:
Senior/first‑lien loans and asset‑backed facilities with defined coupon profiles.
Enhanced yield options
Select mezzanine or hybrid tranches for higher return potential (with clear risk flags).
Diversified access
Direct placements and allocations via private credit funds Australia, specialty lenders, and co‑lending structures.
Clear documentation
One‑page memos with collateral summary, LVRs, cash‑flow coverage, covenants, key risks, and exit terms.
How It Works
Diligence
Collateral due diligence, covenant setting, sensitivity analysis, downside cases.
Execute
Coordinate allocations, legal docs, funding and settlement.
Screen & originate
We source and pre‑qualify opportunities aligned to your mandate (wholesale only).
Present
Deal pack with yield, structure, risk mitigants, and timeline.
Monitor
Ongoing covenant checks, KPI tracking, and event alerts.
Risk controls built‑in
Security & collateral
First‑ranking charges, conservative LVRs, ring‑fenced cash flows where available.
Covenants & reporting
Interest cover, leverage caps, information rights, step‑in mechanics.
Diversification
Borrower, sector, tenor, and instrument mix to reduce concentration risk.
Downside planning
Workout playbooks and enforcement pathways clearly articulated in advance.
Who this suits
Wholesale investors seeking income stability with asset‑backed downside protection, delivered via curated Private Credit Investments and specialist manager access.
FAQ's
What is private credit and how does the market work in Australia?
Private credit involves non-bank lenders providing loans directly to companies, often filling gaps left as banks have pulled back from certain lending segments. In Australia, private credit has grown into a substantial asset class covering corporate loans, real estate finance and asset-backed lending.
How do private credit investments generate returns for wholesale investors?
Private credit investments typically generate returns through interest payments on loans, often at a margin above bank benchmark rates to compensate for illiquidity and borrower risk. Some structures also include establishment fees or equity kickers that add to overall returns.
What is the difference between private credit funds and bank lending?
Private credit funds pool investor capital to lend directly to borrowers outside the traditional banking system, often with more flexible terms and faster execution than banks, but generally at a higher cost of capital for the borrower and correspondingly higher yield for investors.
What are senior secured loans and why are they considered lower risk?
Senior secured loans in Australia sit at the top of a borrower’s capital structure and are backed by specific collateral, meaning lenders are repaid first and have a claim over assets in the event of default. This priority position generally makes them lower risk than unsecured or subordinated debt.
What is mezzanine finance and where does it sit in the capital structure?
Mezzanine finance in Australia sits between senior secured debt and equity in the capital structure, typically unsecured or subordinated. It carries higher risk than senior debt but usually offers a higher return, sometimes combined with equity-like features such as warrants.
What are the key private credit risks investors should understand?
Private credit risks include borrower default, limited liquidity since these loans don’t trade on an exchange, valuation reliance on the manager, and sensitivity to broader credit market conditions. Understanding the loan seniority, security package and manager track record helps assess these risks.
How liquid are private credit investments compared to listed bonds?
Private credit is materially less liquid than listed bonds, as there’s no secondary market to sell out of before a loan matures or is refinanced. Investors generally need to be comfortable holding the position for the fund or loan’s stated term.
