{"id":3966,"date":"2023-09-08T08:39:30","date_gmt":"2023-09-08T07:39:30","guid":{"rendered":"https:\/\/fair-alpha.org\/?p=3966"},"modified":"2023-09-08T08:48:58","modified_gmt":"2023-09-08T07:48:58","slug":"lending-and-private-debt-rather-than-fixed-income-a-rising-asset-class","status":"publish","type":"post","link":"https:\/\/fair-alpha.org\/en\/lending-and-private-debt-rather-than-fixed-income-a-rising-asset-class\/","title":{"rendered":"Lending and private debt rather than fixed income: a rising asset class"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Published in: <a href=\"https:\/\/www.institutional-money.com\/news\/maerkte\/headline\/assetklasse-im-aufwind-lending-und-private-debt-statt-fixed-income-227060\">Institutional Money <\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Luxembourg, 08 September 2023 \u2013 Private debt and alternative means of financing are gaining popularity, particularly in the absence of a bank. \u201cThis is true for both borrowers and investors,\u201d explains Daniel Knoblach, Board Member at Fair Alpha. \u201cTailor-made for private debt, securitisations are rapidly surpassing traditional funds.\u201d<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These lending structures, designed as Luxembourg compartments, provide companies with a flexible and quick financing option, or investors acquire the portfolios of other lenders. \u201cFor businesses, they fill a void left by the banks\u2019 faster retreat from this type of business,\u201d says Knoblach. It is a new asset class that has become increasingly attractive to investors in recent years due to its high returns and plainly manageable risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The securitisation administrators invest in directly negotiated loans. \u201cThese are typically designed for medium-sized businesses that have limited access to capital markets financing due to their size,\u201d adds Knoblach. This is why they are willing to accept interest rates above the market rate, which is advantageous for investors. In addition, the banks\u2019 function as middlemen is eliminated, so that both parties benefit equally from this margin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In comparison to bank financing, there are a number of additional benefits for businesses, including analytical capacity, rapid decision-making and flexible terms and conditions. \u201cSecuritisation again showcases its advantages in terms of speed of market access and its straightforwardness,\u201d says Knoblach. \u201cAnd that includes full regulation.\u201d History indicates that investors can achieve higher returns compared to the syndicated loan market, while the average risk profile of the target portfolio companies is lower.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For investors, the advantages are essentially that higher returns are possible with a similar risk structure. \u201cNo wonder then that, according to a BAI study, an increasing number of investors desire to enter this asset class,\u201d Knoblach states. Investments in private debt or lending securitisations are ideal for diversification because, in addition to yield advantages, they have a very low correlation with equities.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Published in: Institutional Money Luxembourg, 08 September 2023 \u2013 Private debt and alternative means of financing are gaining popularity, particularly in the absence of a bank. \u201cThis is true for both borrowers and investors,\u201d explains Daniel Knoblach, Board Member at Fair Alpha. \u201cTailor-made for private debt, securitisations are rapidly surpassing traditional funds.\u201d These lending structures, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3961,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[51,60,56],"tags":[],"class_list":["post-3966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all","category-current-announcement","category-luxembourg"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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