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How is private credit different from bank lending?

Private credit is non-bank lending from specialized funds. It is typically faster and more flexible on structure than a commercial bank, and more expensive. Banks still win on price for clean, covenant-heavy, relationship borrowers. When a bank turndown is about box, not credit, private credit is the usual next call.

Figures from the researched book · updated Sep 14, 2026 · refreshed daily · rendered Sep 15, 2026