Introducing
private credit.

Private credit refers to non-bank lending: investors provide capital directly to businesses - or to asset-backed projects - in exchange for contractual yield. This asset class can offer attractive, often double-digit target returns with defined repayment terms, typically senior or asset-secured, and often with covenants to protect investors.

In periods when traditional credit tightens and banks pull back; private lenders can negotiate premium rates and enhanced downside protection. For investors, that creates an income-oriented product with a clearer path to cash yield than equity-style bets.

Benefits

FAQs

Investments

Why should you invest in private credit?

Targeted yield.

Private credit can offer higher target yields relative to public bonds or savings products. Structures are often fixed or floating coupon-style returns paid monthly or quarterly, giving investors recurring cash flow.

Downside protection.

Deals are commonly secured against assets - equipment, receivables, inventory, real estate, infrastructure - and may include covenants and step-in rights. That means investors aren’t just relying on 'growth', they’re lending against collateral.

Low correlation to equities.

Performance is driven by contract terms and borrower strength, not public market sentiment. That diversification can reduce overall portfolio volatility when equities are choppy.

Shorter duration and clearer exit.

Many private credit opportunities are structured with defined maturities; 9, 12, 24 months, etc. That gives investors visibility on how and when capital is expected to return, versus open-ended equity positions.

Institutional-style access.

Historically this market was dominated by credit funds, family offices and banks. Platforms like Spring surface direct allocations into curated opportunities, letting qualified investors access structures they typically wouldn't see.

Inflation pass-through.

Because many facilities are either floating-rate or can be repriced and rolled, returns can adjust in higher-rate environments. That helps preserve real yield even if inflation is elevated.

FAQs

What is private credit?

Private credit is direct lending outside of traditional banks. Investors' capital is deployed into loans or notes issued to companies or assets, with agreed coupon, interest and repayment terms.

How do I get paid?

Most private credit deals pay interest distributions on a fixed schedule: monthly, quarterly and annually. Redemption timelines and payment schedules are specified in the term sheet.

What are the main risks?

Default risk (the borrower can't pay), collateral risk (the asset backing the loan loses value), and liquidity risk (you usually can't exit instantly). Each deal includes its own protections which you should review.