Credit memo risks3/31/2024 Furthermore, private credit typically features a single entity lending to a borrower. The ability to select investments without the need to manage to a benchmark can be a potential downside mitigant in an environment of increased dispersion, slowing growth, tightening monetary policy and headwinds to profitability. Deep access to company records received by private lenders enables stronger due diligence and documentation than may be the case in public markets. Private credit has historically maintained loss ratios that are lower than those of high-yield fixed income instruments. The Universe of Private Credit Strategies Has Been Expanding, Diversifying Borrowers have been willing to pay a premium for the certainty of execution, agility and customization that private lenders offer. Over the past decade, the asset class has generated higher yield than most other asset classes, including 3-6% over public high yield and broadly syndicated loans. Private credit can be a powerful complement to traditional fixed income strategies, offering incremental income generation, potential resilience, return enhancement, and diversification. The variety of private credit strategies and their features means that a private credit portfolio can be structured to target a wide range of objectives and can be tailored to an investor’s individualized goals. They typically have the highest dispersion of outcomes and lack a yield component, but also have the potential for higher upside as the companies are restructured. Distressed and opportunistic strategies target firms undergoing meaningful challenges. Specialty and alternative credit opportunities also typically provide cash yield and vary across the risk/return spectrum. They may also incorporate additional securities to participate in potential equity upside. Unsecured subordinated and mezzanine strategies provide financing further down the capital structure, with higher yield to compensate for the additional credit risk. Senior, secured loans offer relatively stable yield and are lower on the risk and return spectrum than other private credit strategies. Returns also vary across yield and capital appreciation components. These range from senior secured loans for blue-chip corporate borrowers, to junior unsecured credit for financing new building construction, to loans against specialized assets such as railcars and airplanes or contractual revenue streams like royalties and subscription services, to distressed situations.ĭifferent loans carry different types and levels of risk-and can generate a range of returns commensurate to that risk. Private credit covers an array of strategies that span the capital structure and borrower type.
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