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TOUGHER regulation is seen as the top risk facing the alternative credit industry by senior operational executives, an exclusive survey by Alternative Credit Investor can reveal.
The survey, conducted at the Alternative Credit Investor COO Summit last month, found that the regulatory climate was most commonly cited as one of the top three key risks facing the sector.
Macroeconomic conditions and the interest rate environment came joint second, followed by rising default rates and reputational risk.
The Alternative Credit Investor COO Summit took place on 15-16 May 2025 at Chewton Glen Hotel & Spa, bringing together senior operational executives from a range of alternative credit fund managers to share valuable insights.
Most respondents –
mainly holding the chief operating officer and chief financial officer titles –predicted that default rates will “increase slightly” across the industry over the next 12 months.
The industry’s push into the retail space has also raised concerns. Survey respondents unanimously said that this expansion presents operational challenges. They cited hurdles including
liquidity management, drag on performance, reputation risk, education and compliance.
“It is not surprising that stricter rules are seen as a key risk by the industry’s senior operational leaders, given that regulators on both sides of the Atlantic have been vocal about the need to tighten oversight of the market,” said Suzie Neuwirth, founder and editor-in-chief of
Alternative Credit Investor.
“The macroeconomic climate is also a worry, amid continued US policy uncertainty. It will be interesting to see how this plays out, potentially dampening M&A activity and fundraising.”
The alternative credit space has attracted increasing regulatory scrutiny in recent times, with watchdogs citing concerns over opacity of valuations and default rates.
The UK’s Financial Conduct Authority (FCA) has conducted a review into private markets valuations which found room for improvement.
And the EU’s revised Alternative Investment Fund Managers Directive (AIFMD) incorporates rules for loan origination funds for the first time, meaning that private credit fund managers will need to comply with stricter requirements.
“The private >>
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The inaugural Alternative Credit Investor COO Summit took place last month and I’m thrilled to say it was a great success.
The event attracted operational executives from a wide range of firms, including some of the best-known names in private debt alongside next generation, emerging managers.
The panel discussions and roundtables triggered interesting debates across a variety of topics, from AI to talent acquisition to liquidity management, and the Chatham House rule meant that delegates were confident about contributing their views as well.
I’m well aware that the industry events space is extremely crowded and competitive, so ACI needs to stand out from the pack. We achieved that with topquality content and speakers, and an outstanding five-star venue which was unanimously enjoyed by delegates.
Thank you to all those who attended the Summit, and a huge thank you to our sponsors, Aztec Group and Record, for their invaluable support.
This year’s delegates have already expressed their interest in attending next year’s Summit and we can’t wait to build an even better event for them. Bring on the Alternative Credit Investor COO Summit 2026!
SUZIE NEUWIRTH EDITOR-IN-CHIEF
cont. from page 1
credit industry is understandably concerned about the risks posed by the current and upcoming regulatory environment for loan originating funds,” said Matthew Keogh, investment funds partner at Linklaters.
“Increased compliance and operational costs will add barriers to entry for new participants and increase fund expenses which will be borne by investors and affect sponsor performance; more restrictive rules on the use of leverage and risk retention requirements could reduce capital flexibility, reducing available returns to investors in comparison to nonEU competitors and potentially affecting capital available for borrowers; restrictions applied to open ended funds will increase structuring uncertainty, especially for the new generation of hybrid evergreen funds and semi liquid products, potentially reducing the range of products in the market; certain lending restrictions could hamper the growth of fintech credit platforms and stifle related innovation.
“Industry participants are keen for a proportionate approach to new regulation which balances appropriate
investor protection with the need to maintain competitiveness and foster continued growth in this important area of the market.”
However, some legal experts suggested that there may be benefits from the increased regulation.
Simon Crown, partner at Clifford Chance, said that the revised AIFMD “will open up the market for non-bank lending to EU borrowers, even if that does come at a cost (e.g. leverage limits).” He also noted that the EU framework will not apply in the UK and said that the FCA’s proposed reforms aim “to streamline the framework rather than tighten it.”
White & Case partner Gareth Eagles, head of private credit and direct lending, added: “The regulatory landscape is as critical to alternative credit as it is to broader asset management, and it is as critical to broader asset management as it is to all other industries, but that is not a cause for worry or alarm. Alternative credit has demonstrated solid alignment with corporate and wider economic interests and so one should expect regulation, and regulators, to support its continued growth and development.”
INVESTORS have reassessed their exposure to the US amid tariff uncertainty, which has benefitted Permira, according to the firm’s head of strategic opportunities.
Before US president Donald Trump’s socalled “Liberation Day”, investors were already concerned, according to Ian Jackson (pictured on page 5).
Because of potential tariffs and the uncertainty around policy announcements, limited partners were contemplating whether they were over exposed to the US, a situation that he had not seen before.
“Investors are saying for the first time in their careers, they're looking at the US and saying, are we overexposed? Should we be diversifying? And so, yes, we are probably going to be a beneficiary of that in the short term,
that reallocation of capital and the repricing of Europe relative to the US,” he told Alternative Credit Investor. Jackson joined Permira in the summer of 2022, as the firm sought to diversify its private credit business and launch a new strategic opportunities arm. It was at a time when interest rates had just started going up and there was a worsening geopolitical landscape.
He says at that time he thought he’d be doing more “defensive” style deals, which in effect would mean refinancing impending maturities or helping companies out of a liquidity crunch.
“We anticipated a lot more companies would be struggling with cash flows and would see margin compression,” he said. “That didn’t really happen. Liquidity came back much more
quickly than expected, and spreads tightened, especially in the large-cap space, although in the lower mid-market where there remains a dearth of capital, we didn’t see spreads tighten as much. By the time we got to the middle of 2023, you wouldn't even know there was a war on in Europe or that spreads had widened or interest rates had gone up.”
So even then, they ended up working on what he calls more
“offensive” style deals, supporting M&A activity and more focused on growth. Today, even with all the uncertainties, it is still 60-40 in favour of offensive style opportunities, he says.
In his view, despite the 90-day pause on the vast majority of tariffs and the deals that are being announced with different countries, including the UK, the world is entering a period where a baseline level of tariffs will become the norm.
“I suspect that management teams are now examining their supply chains at a granular level, considering factors such as the source of imports, applicable tariff rates and the costs associated with adjustments, instead of focusing on growth,” he said. “They will be trying to determine whether they are able to seek cheaper alternatives or shift production domestically, weighing considerations of capital expenditure against the evolving tariff landscape.”
In this environment, he has seen an increase in companies looking for short-term working capital, such as 18-month or two-year facilities.
“These companies may not have enough of a track record to secure bank financing, but they have an interesting business model not burning cash and need the working capital to grow,” he said. “That’s a big opportunity for us to step in.”
He’s particularly looking at companies which have very limited cross-border trade however, because it is “incredibly tough to price an appropriate risk return today when the rules of the road keep changing”.
He says it is difficult to find businesses that won’t be impacted, either
directly or indirectly, and that there is a huge unknown because tariffs might continue to change from one week to the next.
“It's just a question of whether you are being sufficiently compensated for the known unknowns,” he added. “It may seem obvious in several weeks but today it feels like a bet rather than investment.”
Although there is a big opportunity set for Permira, with a 20 per cent increase in the number of deals Jackson is seeing in the year to date, compared with last year, there are challenges for borrowers.
He says it is getting increasingly difficult for refinancings, for example, as there are some businesses that have not grown into their capital structures as they had been expected to.
“So, they may not be generating enough cash, maybe leverage was four, four-and-a-half times,” he said. “And now it's five times and the existing syndicate doesn't want to roll. So, these companies need a higher cost of capital to refinance their bank facilities. We're likely to see that. You're probably going to see more amend and extends, pushing out these companies’ debt repayments by a few more years.”
THE DEADLINE has now closed to submit entries for this year’s Alternative Credit Awards, with the shortlist set to be unveiled later this month.
The awards, hosted by Alternative Credit Investor, recognise the most influential fund managers, specialist lenders and service providers shaping the alternative credit space.
Categories include Fund Manager of the Year, Fund of the Year and Performance of the Year, as well as Peer-to-Peer Lender of the Year. There are also multiple accolades for fund administrators and technology providers.
The shortlist and winners will be decided by Alternative Credit Investor’s editorial team and a panel of independent judges.
The winners will be announced at a glittering ceremony on Wednesday 19 November 2025 at the Royal Lancaster London.
“I’m delighted with the high quality and variety of submissions we received for this year’s Alternative Credit Awards, from such a wide range of companies globally,” said Alternative Credit Investor’s founder and editor-in-chief Suzie Neuwirth.
“The Alternative Credit Investor team is excited
announce the shortlist, which will recognise the leading players in the industry, from some of the most well-known firms to next-generation, emerging managers.
“The Alternative Credit Awards recognise the movers and shakers across the entire sector, including the vital service providers supporting the industry as it reaches new heights.
“I’d strongly encourage all stakeholders to attend the awards ceremony in November for ample networking opportunities and a night to remember.
“I believe it’s the only dedicated awards event for the industry in the UK and it’s a fantastic way to celebrate the alternative credit sector’s stellar achievements.
“If last year’s attendance is anything to go by, it has quickly become the mustgo event in the alternative credit calendar, so make sure to book your table before they sell out!”
Make sure to keep an eye on alternativecreditinvestor.com and our dedicated awards website, alternativecreditawards.com for the latest updates relating to the Alternative Credit Awards.
The Alternative Credit Awards comprises a champagne reception, gala
9.13% On a 2 Year Term Earn Up to †* † Gross Annual Interest Equivalent
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dinner, awards ceremony and celebratory drinks at the Royal Lancaster London, a five-star hotel located by Hyde Park. For table and sponsorship enquiries, please contact sales and marketing manager Tehmeena Khan at tehmeena@ alternativecreditinvestor. com
major player in particular in co-investments and secondaries. Körzendörfer sits within the group’s private debt research team and focuses on direct lending strategies in the US and Europe. He has witnessed changes in the market amid increased competition.
“When it comes to items like discounts, there are more and more things that are going on from a structuring perspective,” he said. “While there were more traditional discounts in the past, more and more discounts are created through the distance to the reference date or staggered payments of the purchase price, creating an uplift to NAV.”
He says that some of these techniques, although have been used before, are not that commonly known, as they do not exist in the private equity secondary market. They can be used in private credit because of the income-generating nature of the asset class.
typical reference date now can be 30 September or end of December, and as a result of that you would have, for a given quarter, two to four per cent of income that can create additional economics for a secondary buyer.”
The purchase price is also frequently more staggered, with half paid now and half paid in a years’ time, making IRRs even more attractive, he said.
Körzendörfer is upbeat about the opportunity set in both secondaries and co-investments, saying that over the last 12 months, the team has seen 700-800 transactions in the market. And in terms of the group’s existing portfolio, there is a team that is monitoring it for any signs of stress.
While Körzendörfer believes that private credit could benefit if inflation spikes due to the tariffs, leading to higher base rates, he still underlines the importance of being selective.
AN INFLUX of new players into the private credit secondaries market has changed competitive dynamics, according to Fabian Körzendörfer,
partner at StepStone.
With around $65bn (£48.4bn) of capital and deploying $12bn each year, StepStone is a quiet giant in private credit, and a
“The discount is not only because you buy an asset at 92/93 instead of 100 –but also because you’re getting interest income between the date you buy and the date you close the transaction,” he said. “A
“Cov-lite and PIK are trends we’re largely avoiding to avoid risk,” he added. “[Higher rates] can absolutely put pressure on borrowers, this is the reason selectiveness in the underwriting process is absolutely key.”
THERE is a burgeoning private credit market in Turkey, with funds increasingly looking to take advantage of the lack of access to traditional funding and the potential for higher returns. Despite the size of the economy, making it the seventh largest in Europe, Turkey is largely untapped by private credit funds. But that is increasingly changing.
In February, Gramercy Funds Management was reported to have plans to reach $1bn (£745m) in private credit deals in the country over the next two years. The US-based firm already deployed around $500m in more than 15 deals in Turkey since 2018. Last year, Janus Henderson acquired the private markets division from Abu Dhabi-based NBK Wealth, expanding into emerging markets private capital investing. The private credit team within that business has had a presence in Turkey for nearly two decades, but there are new developments that make it particularly attractive now, according to principal Erdem Kilic. Also in 2024, Kirkoswald Private Credit announced its first senior
secured loan made to Turkish textiles exporter firm Altinyildiz. It was the first offshore private credit loan the company took out in more than its 70-year history.
“In the past, when you sat across from a business owner, they would compare you to a bank and think they can get a cheaper loan from the bank,” Kilic said. “Now, people’s perspective on financial products has changed and their sophistication has increased. They understand private equity, private credit… now it’s an option.”
There are also macroeconomic factors driving the interest in private credit. The economic situation in the country has been challenging, making it difficult to find financing for smaller businesses. Back in 2023, banks in Turkey restricted access to loans and postponed
decisions on extending corporate loans following new regulations. In addition, there were limitations placed on how much a bank could grow its loan book.
Meanwhile, soaring interest rates, currently 42.5 per cent, have meant that private credit funds no longer look expensive compared to banks.
But investing in a country with political and economic uncertainty comes with additional risk.
Kilic says that for anyone who is not experienced lending in emerging markets, it would be very difficult to do it now.
“Businesses like ours are used to economic downturns and different cycles,” he said. “I have invested in Egypt, the Middle East, Sub-Saharan Africa, Turkey. These are economies that constantly change, there are wars, something political happens, there are demonstrations on
the streets. Our job, in fact our art, is to find something in this chaos and deliver a return.”
In Turkey, Kilic is particularly interested in industrial companies and manufacturing. With the US tariffs changing how businesses think about global trade, companies that produce in Europe and sell to the US are increasingly looking to move to Turkey and open factories there. On the other hand, Chinese businesses have been slowly making similar moves and have manufacturing capabilities in Turkey.
“We really like the companies that use this place for manufacturing and export to Europe or the US,” he said.
In contrast, he is staying away from sectors like tourism, construction, real estate and energy, because they are very politicised areas, he says.
Emerging markets overall can offer higher returns to investors.
RBC BlueBay’s Emerging Markets Illiquid Credit fund, which has investments in Turkey, reported that at the end of 2024 its projected net IRR on fully exited positions was 17.4 per cent.
By Hari Ramamurthy (pictured), CTO, Kuflink
MOST PEOPLE, AND by that I mean those outside the industry, don’t realise that there is a revolution happening within peerto-peer lending. New and exciting opportunities are emerging, with these platforms changing how they work and bringing a greater level of sophistication to investors’ portfolios.
Unfortunately, P2P still suffers from misconceptions and negative headlines that continue to haunt the space. It’s time to break away from these, draw a line under them and present to newcomers the reality of engaging with P2P investments.
Once upon a time…
I’ve worked in the P2P space since its early days and I’ve witnessed its transformation, first-hand. This has included what I and many others call the ‘Wild West Days’ when P2P platforms operated without real regulatory oversight of any real kind.
Free from regulation, P2P offered something new and fresh, and was a departure from staid traditional lenders, many of which were forced to rein in their lending due to the global financial crisis. This allowed P2P platforms to offer some punchy rates of return and attract a new generation of investors.
This lack of regulation led to some scandals which were high
profile enough to put a stain on the industry, with some lumping P2P in general with these bad actors. The buzz around P2P also led to some newcomers getting involved without the required understanding about how it worked and if it was right for them.
I’m glad to say that P2P has changed in that time with the industry maturing and benefitting from greater regulatory oversight. Yes, some unregulated platforms remain but standards have been raised overall with clearer rules in place for how these products are marketed. Having risk warnings, as well as appropriateness tests to ensure potential users are
fit for the product, is making a massive difference.
Combined with this is the education piece. With time, people have become more familiar and comfortable with P2P and how it works. Lending is a sophisticated product and not as simple as it first seems. Factors, other than interest rates, need to be taken into account. Fortunately, I’ve seen users’ knowledge of P2P maturing and becoming more sophisticated along with the industry. Stronger understanding of P2P is allowing users to navigate the space and carry out better due diligence. Users are making greater efforts to familiarise themselves with P2P firms before investing, understanding these platforms’ processes, their underlying risk exposure and how they have fared during recent mark challenges like Covid.
It is crucial to battle P2P’s misconceptions. Negative media attention has haunted the asset class, but newcomers should form their own conclusions. For example, P2P is often lumped together with crypto but this isn’t accurate and at Kuflink all our loans are backed by UK real estate which is real and tangible.
P2P isn’t for everyone, but as the space grows and matures it is certainly emerging as a viable investment option for a growing community of investors.
The Alternative Credit Awards will take place on 19 November 2025, at the Royal Lancaster London.
The event – hosted by Alternative Credit Investor – is the only dedicated alternative credit awards ceremony in the UK and has quickly become a must-attend industry event.
The evening will comprise a champagne reception, gala dinner and awards ceremony, commemorating the shining stars of the alternative credit industry.
Fund managers, specialist lenders and service providers will be presented with accolades on the night.
Categories will include Fund Manager of the Year, Senior Lender of the Year and Fund Administrator of the Year.
Go to our website at alternativecreditinvestor.com for more information about the awards process.
Tables are limited so get in touch as soon as possible to secure your place.
For sponsorship and table enquiries, please email sales and marketing manager Tehmeena Khan at tehmeena@alternativecreditinvestor.com.
By Roy Warren (pictured), managing director, Folk2Folk
THE PRESS HAS recently been filled with speculation about the future of the ISA system. From rumours of a cap on cash ISAs to calls for structural simplification and a renewed focus on equities, the debate is gaining momentum.
In March, we sent an open letter to Chancellor Rachel Reeves, signed by our Chair, Tim Sawyer, highlighting that the Innovative Finance ISA (IFISA) already delivers on the government’s objective of directing capital into British businesses, and urging the government to ensure it is not overlooked.
So far, there’s been no response. But the stakes remain high for investors, for UK businesses, and for the wider economy.
I’d like to speak more directly now, not just to policymakers, but to investors and the wider financial community, about why this matters. We at Folk2Folk are not calling for IFISA reform. We are simply asking that it be recognised for what it is and better understood for what it offers: a regulated investment wrapper that enables tax-free income while supporting British businesses.
The IFISA is often left out of national conversations, crowded out by the dominant focus on cash and stocks & shares ISAs. Yet for the right investor, it ticks many of the boxes the government says it
wants to encourage: private capital deployed into UK businesses, support for SMEs, regional job creation, and long-term economic value.
Why is it overlooked? The problem isn’t the IFISA wrapper itself. It’s that many people still misunderstand what it holds, usually P2P lending. In our case, the ISA wrapper applies to business loans that are secured against UK land and property, with conservative loan-to-value ratios (typically no more than 65 per cent) and thorough, human-led due diligence. It’s carefully structured lending that pays a fixed monthly income to the investor, while helping small businesses start, grow and thrive.
Yet IFISAs don’t enjoy the same general awareness or media
visibility other ISAs receive. They remain largely absent from national narratives, despite being a powerful option for many investors, offering access to a thriving and varied universe of smaller British companies.
There’s also persistent confusion about the lack of FSCS protection. Here’s the truth: no ISA is protected against investment loss. The FSCS only applies if the institution fails. We’ve prepared for that too. If Folk2Folk were to cease operations, we have on retainer an independent wind-down provider that would step in to continue management of the loan book.
The IFISA is not suitable for all investors. But for those seeking tax-free, fixed monthly income with capital secured against property, the ability to diversify their portfolio, and a more tangible connection to where their money is going, the IFISA is a compelling option.
It channels private capital into British businesses just as the government intends, but into small private businesses, not publicly listed companies. And by enabling this flow of capital, it creates and sustains regional jobs.
Ultimately, it gives investors more choice. Isn’t that what we all want?
We’re proud to have played a part in growing the P2P sector for over 13 years. And now it’s time for the IFISA to be acknowledged, included, and championed.
A
growing number of tech applications are allowing fund managers to better access, analyse and act on credit data. Jon Yarker reports.
fund managers are faced with a vast universe of credit data, in which actionable and valuable insights can be hidden. Finding these is easier said than done, which is why technology is increasingly becoming a central part of a fund management team’s toolkit – helping translate these swathes of data into insights their experts can realistically use.
This is part of an ongoing shift in how technology has changed how alternative credit fund managers have worked. Balbec Capital’s Matt Rosen, head of real estate asset management, says technology has moved from a support role to a core part of its business and been integrated in the firm’s entire investment lifecycle.
“Building proprietary systems has allowed us to go much deeper into targeted credit analysis and increase the complexity of our business in a meaningful way,” explains Rosen. “Our versatile tech-stack and agile development team enable us to adapt to any new challenges.”
Given the amount of time and resources taken up by sifting through credit data at alternative credit fund managers, technology can be used to facilitate muchneeded efficiency. Technology applications will vary by firm, but Kartesia’s business transformation director Marc Housieaux highlights that a running theme
at his company has been around digitalisation and centralisation.
“Technology has fundamentally reshaped the operational rhythm of alternative credit teams,” says Housieaux. Specific to Kartesia, he gives the examples of CRM systems tailored to private markets, data rooms with structured tagging, and integrated portfolio monitoring tools that allow investment professionals to access information instantly, collaborate across jurisdictions, and reduce administrative burden.
“This enables teams to focus more on high-value activities –
strategic analysis, relationship building, and proactive risk management,” he adds.
Nowhere is the value of highquality data clearer than when it comes to decision-making, especially on the buy side. This isn’t just about the actual quality of the data itself, but also in getting data to the decision makers in a faster way that complements their investment process. Here, Kartesia’s Housieaux highlights the importance of integrated platforms that combine internal performance
“Not only can decision makers access and utilise more data and information than ever before, but they can also do it in a fraction of the time as well,” says Vishal Saxena, chief technology officer at Octus. “In an industry where time is literally money, fund managers need to trust that the information they have is accurate and timely. Technology
to the lack of standardisation around documents. According to Michael Kovacs, head of product (credit) at Allvue Systems, this risks firms falling into the trap of “garbage in, garbage out” with regard to their decisions.
“That’s why we combine data governance capabilities with purpose-built solutions like our credit research and portfolio
visualisation software like Power BI and Tableau being integrated with data aggregation tools. Broadridge’s VP of product strategy for asset management Cameron Bunnell argues this helps empower fund managers to make more informed decisions at better speed, impacting pitch books, performance measurement and reporting functions.
“Moreover, with predictive analytics and scenario modelling, managers can better anticipate market shifts and adjust their strategies proactively,” adds Bunnell. “Online portals provided by many software companies offer investors greater reporting power and transparency, further empowering buy-side decision-making through clarity in investment strategies.”
A pain point many alternative credit fund managers will share is around loan documentation assessment, a critical but time-consuming task for any investment team in the sector. Fortunately, this has become a focus for technological innovation, with solutions designed to bring much needed efficiency to these duties.
“The biggest advances in [loan documentation assessment] are centred around advances in OCR and LLM technologies, which have enabled us to ingest, index and extract key data from all loan documents within our proprietary system,” explains Eric Cho, PhD, managing director of engineering at Balbec Capital. This allows the firm to run exhaustive reviews of all attributes of a loan file at a level of cost, velocity and consistency that cannot be matched by traditional human reviews.
“Within the platform is the ability
“ The efficiency gain through the technology-aided decision making is evident in our recent performance”
to detect issues that normally sit outside the scope of traditional diligence vendors and products, identifying issues that historically may be missed,” adds Cho.
Such solutions may help scan and consume documents quicker and better, but this still requires an expert, human touch. Despite recent innovations, Kovacs says this remains one of the most “timeconsuming pain points” in the space.
“We focus on maintaining a ‘human-in-the-loop’ model that complements automation with expert oversight – an approach that resonates with our clients, many of whom still rely on human review for critical document analysis,” he says. “We also recognise that solving this challenge requires tight integration with best-inclass third-party providers who
bring deep domain expertise.”
Regulatory considerations
Technological innovation may be creating new efficiencies and transforming processes for firms, but the heavily regulated nature of the industry cannot be ignored. Firms must still adhere to numerous rules, but fortunately this is not stifling such innovation. Kartesia’s Housieaux describes regulation as more of a “guardrail” than a barrier, with technology able to support such rules – not flout them.
“Our approach has been to build trust through transparency, auditability, and robust governance,” he says, regarding the firm’s proprietary systems. “While some solutions may take longer to validate or implement
Act, have required the firm to implement robust “compliance frameworks” alongside data processing capabilities. This dual approach is crucial, Bunnell argues, allowing fund managers to optimise both portfolio and risk management strategies without sacrificing regulatory adherence. “This approach not only ensures that we meet regulatory
platforms that combine secure LLM technology with domainspecific knowledge to support deal analysis, compliance monitoring, and investor communications.
“The key is to integrate AI into existing workflows – not as a replacement for human expertise, but as a force multiplier that improves quality and speed without adding headcount,” he adds.
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