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Commercial real estate and SME lending: Navigating the shifting landscape in 2025: Inflation has been tamed, prompting the Bank of England to initiate interest rate cuts. ... Challenger banks and specialist lenders are expected to ...

Private credit is filling the lending void left by traditional banks in a post-GFC world. Craig Brooke of KeyInvest explores how this asset class is evolving and its significance for the Australian market. https://lnkd.in/gCQtbvd7 #PrivateDebt #PrivateCredit

This article highlights the growing importance of non-bank lenders in addressing gaps left by traditional banks. Their flexibility, tailored solutions, and faster approvals are game-changers for small businesses and investors facing stricter lending criteria. It’s clear that private lenders are becoming a vital part of Australia’s financial ecosystem, offering opportunities for growth and innovation where traditional banks fall short. #NonBankLenders #PrivateLending #MortgageBroker #LendingSolutions #AlternativeFunding #HomeLoan

As demand for non-bank capital increases and yields remain attractive on a historical basis, direct lending continues to grow as an asset class. How can investors navigate the credit cycle? Access PGIM Private Capital’s insights here: https://on.pru/3Witc9i

"𝗔𝗳𝘁𝗲𝗿 𝘁𝗵𝗿𝗲𝗲 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 “𝗹𝗲𝗻𝗶𝗲𝗻𝘁 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘁𝗲𝗿𝗺𝘀”, 𝘁𝗵𝗲 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗧𝗮𝘅𝗮𝘁𝗶𝗼𝗻 𝗢𝗳𝗳𝗶𝗰𝗲 (𝗔𝗧𝗢) 𝗶𝘀 𝗯𝗮𝗰𝗸 𝘁𝗼 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗻𝗴 𝗮𝗻 𝗲𝘀𝘁𝗶𝗺𝗮𝘁𝗲𝗱 $𝟱𝟬 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝗼𝗳 𝗼𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝘁𝗮𝘅 𝗱𝗲𝗯𝘁𝘀, 𝗰𝗮𝘂𝘀𝗶𝗻𝗴 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗼𝗹𝗹𝗮𝗽𝘀𝗲𝘀 𝘁𝗼 𝘀𝗽𝗶𝗸𝗲" The above is from a news article 👇 Link below in the comments Self Employed clients with ATO debt >$100k and over 90 days now face the risk of default with credit reporting agencies unless they enter into payment arrangements that result in large monthly repayments. This can have a significant impact to small business cashflow. 𝗧𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘁𝗵𝗶𝘀 𝗱𝗲𝗯𝘁! Pepper Money ANZ can refinance this debt against residential & commercial security... ✔ Full Doc or Alt Doc ✔ ABN from 6 months ✔ SLA from 1 day ✔ Loan terms up to 40yrs As we get closer to the end of the 2024 financial year, now is a great time to be talking to your accountant referral partners, and your existing self employed clients, about the solutions non-bank lenders have to support the most underserved segment of the market - Self Employed! Reach out to our BDM team who are more than happy to workshop any scenarios on your desk!

As demand for non-bank capital increases and yields remain attractive on a historical basis, direct lending continues to grow as an asset class. How can investors navigate the credit cycle? Access PGIM Private Capital’s insights here: https://on.pru/3Witc9i

"Rising interest rates, last spring’s regional banking crisis and other headwinds sent dealmakers and lenders to the sidelines for much of 2023, a year that saw a 44% drop in deal value and a 36% decline in transaction count in its first nine months compared with the same period in 2022, according to S&P Market Intelligence Data. The coming year looks brighter on the deal front. A majority of respondents to ACG’s 2024 outlook survey expect M&A activity to increase, although high interest rates and economic uncertainty remain top concerns. Lenders say capital is available for high-quality deals, thanks to a bustling private credit market—but riskier transactions are likely to face a harder path. According to ACG’s survey data, most lenders who responded anticipate that leverage levels will remain steady or fall in the year ahead."

In the past decade, the private credit sector has witnessed an impressive surge in assets, increasing from $400bn to $1trn. This surge has altered the dynamic between banks and private credit lenders, prompting increased collaboration. Drew Maloney of the American Investment Council (AIC) explains the benefits that partnerships between banks and private credit firms bring to businesses in the US in 'New Partnerships Between Banks and Private Credit Lenders Deliver Opportunities for Businesses Across the Country', a guest article. https://lnkd.in/emNHKBSd #alternativecredit #privatecredit #privatedebt #directlending

🚀 The rise of private credit is reshaping the financial landscape, presenting both opportunities and challenges. As private credit surges, nonbank lenders are stepping in to fill gaps left by traditional financial institutions, offering more flexible and innovative solutions to meet the evolving needs of borrowers. 🔍 Key takeaways: 1. Growth of Private Credit: With traditional banks tightening their lending criteria, private credit is becoming an increasingly attractive option for businesses and individuals alike. 2. Nonbank Lenders on the Rise: These lenders are capitalizing on their agility and specialized expertise to offer tailored credit solutions, often with faster approval times and less stringent requirements. 3. Risks to Traditional Banks: As nonbank lenders grow, they could potentially disrupt the market share of traditional banks, pushing these institutions to adapt and innovate in response. For those of us in the financial sector, this shift underscores the importance of staying ahead of trends and understanding the evolving landscape. At Kilde, we’re closely monitoring these developments to continue providing top-tier private credit solutions that meet the demands of today’s market. 💬 What are your thoughts on the rise of nonbank lenders? How do you see this trend impacting traditional banks and the broader financial ecosystem? #PrivateCredit #NonbankLenders #FinancialInnovation #BankingTrends #Kilde

As demand for non-bank capital increases and yields remain attractive on a historical basis, direct lending continues to grow as an asset class. How can investors navigate the credit cycle? Access PGIM Private Capital’s insights here: https://on.pru/3Witc9i