Asset Class
Private Credit
Access institutional-grade private lending strategies delivering 12–18% per annum — entirely uncorrelated to equity and bond markets, and previously accessible only to the world's largest asset managers.
Enquire NowMin. Investment
£25,000
Target Returns
12–18% p.a.
Asset Class
Private Credit
Correlation
Uncorrelated
What We Offer
Institutional Returns. Private Access.
Private credit is direct lending to companies and projects outside the public bond markets and traditional banking system. As banks have retreated from mid-market and specialist lending over the past decade — constrained by regulation, capital requirements, and profitability thresholds — a significant funding gap has opened. Private credit managers fill that gap, earning premium returns for providing capital where institutional lenders no longer compete.
The asset class has grown from a niche institutional allocation to one of the fastest-growing segments of global alternative finance — with over $1.7 trillion deployed globally. Historically, participation required institutional-scale commitments of millions. Through our network of vetted private credit managers, we provide access to this asset class from £25,000.
Returns of 12–18% per annum are driven by contractual lending income — not market movements, not valuation changes, not sentiment. This makes private credit one of the most genuinely uncorrelated alternative allocations available, providing meaningful portfolio diversification alongside competitive absolute returns.
12–18%
Target p.a. Returns
Uncorrelated to Public Markets
Private credit returns are driven by contractual lending income, not stock market sentiment. When public markets fall, your income continues unaffected.
Institutional-Grade Access
We open access to private credit strategies previously available only to pension funds, endowments, and the largest family offices — now accessible from £25,000.
Consistent, Stable Income
Returns are generated from contractual interest payments on loans — predictable, recurring income with lower volatility than equity-based strategies.
Credit Strategies Available
Direct Lending
10–14% p.a.Loans extended directly to established mid-market companies with proven cash flows — filling the gap left by banks retreating from SME and mid-market lending.
Mezzanine Finance
14–18% p.a.Subordinated debt in leveraged transactions, sitting between senior debt and equity — commanding premium returns in exchange for the subordinated position.
Specialty Finance
12–16% p.a.Asset-backed lending in niche sectors including equipment finance, trade receivables, and infrastructure — with strong collateral underpinning the credit.
Distressed & Special Situations
15–20%+ p.a.Discounted debt positions in restructuring or turnaround situations — higher risk, but with the potential for exceptional risk-adjusted returns at the right price.
The Opportunity
Why Private Credit Right Now
As traditional banks continue to retreat from specialist lending, the private credit opportunity has never been larger — or more accessible to the right investors.
$1.7T+
Global private credit assets under management
15 yr
Average consecutive years of positive returns
0.2
Correlation to public equity markets (low)
Top 3
Fastest-growing alternative asset class globally
How It Works
From Consultation to Consistent Income
A four-step process from aligning on strategy through to regular income distributions and transparent portfolio reporting.
Consultation & Alignment
We assess your return objectives, existing portfolio composition, risk appetite, and investment horizon. Full KYC and AML due diligence is completed before proceeding.
Strategy & Manager Selection
We identify the most appropriate private credit strategy and manager from our vetted network — matching your target yield, preferred credit quality, and desired duration.
Structure & Capital Deployment
We arrange the optimal tax-efficient holding structure for your jurisdiction and complete the subscription documentation. Capital is deployed to the selected strategy.
Income Distributions & Reporting
Receive regular income distributions from the lending strategy. You receive transparent reporting on portfolio composition, credit performance, and NAV at agreed intervals.
Investor Profile
Who This Is Suited For
Portfolio Diversifiers
Investors with existing equity or public bond exposure looking to add a genuinely uncorrelated allocation that delivers institutional-grade returns without market dependency.
Family Offices
Multi-generational wealth structures seeking consistent, income-generating alternatives in line with the allocation strategies of the world's most sophisticated institutional investors.
Sophisticated HNW Investors
High-net-worth individuals who understand credit risk and want access to a return profile previously unavailable outside of pension fund and endowment portfolios.
Common Questions
Frequently Asked Questions
Get In Touch
Enquire About Private Credit
Submit your enquiry and a senior advisor will respond within one business day. We will discuss the specific private credit strategies currently available, explain the manager credentials and credit processes, and help you determine the right allocation for your portfolio.
Key Terms at a Glance
Enquire Across All Investment Types
Interested in multiple investment opportunities? Complete our full Investment Enquiry Form to register your interest across all asset classes in one submission.
Risk Warning: Target returns of 12–18% p.a. are indicative only, based on historical or projected performance of private credit strategies, and are not guaranteed. Private credit investments are illiquid — your capital may be locked up for the duration of the investment term. Borrower default risk exists, and while credit risk management is applied, capital loss is possible. Private credit is a sophisticated investment product not suitable for all investors. This page does not constitute financial advice. You should seek independent professional advice before making any investment decision. Glenmuir International acts as an introducer and structuring advisor only and does not manage private credit funds directly.