Perspectives

Our CIO Will wrote in the AFR about the Bathla collapse, what it exposes about property private credit built on cheap money and rising prices, and why asset-backed private credit sits on the other side of this storm. Read more about it here.

Most people think lending begins when someone applies for a loan. But that's not where it starts. Not really. Behind every car loan, home loan, credit card or buy-now-pay-later transaction is something far less visible but just as important: a warehouse.

If you're a high net worth investor or managing your own capital, you've likely asked the question: "Where can I put my money that gives me a better return, without taking on unnecessary risk?"

Warehouse lending is a form of investment that's becoming more relevant for investors looking to preserve capital and generate regular income, particularly at higher rates than traditional term deposits, or with lower risk and volatility than property development or equities.

Eldium has recently added CFI Finance to its platform. Here's why we're excited to incorporate their lending into our offering.

Private credit means different things to different funds. Asset-backed private credit is the most conservative end of the spectrum, secured against real, identifiable loan portfolios. Here is what makes it different.

The single most important structural feature in any private credit fund is who absorbs losses first. First-loss capital is the layer that takes the punch before investor capital does. Here is how it works, why it matters, and how to evaluate it.

We don't do "nice-to-have" deals. We look for the right teams solving painful, systemic problems in big markets. This is why we're excited to introduce you to Rent.com.au (ASX:RNT), a company laser-focused on making payments and renting easier for Australian renters.

A quick crash course on some of the terms, acronyms and lingo thrown around when it comes to lending and private credit. At Eldium, these aren't buzzwords or theoretical concepts, they're the terms we use every day when we say yes (or no) to a facility.

Term deposits offer certainty. Private credit offers income. For wholesale investors who can access both, the trade-off between them is more nuanced than the headline rates suggest. Here is the honest comparison.