Asset
Classes
Private Credit
Our main strength is our ability to connect investors to highly profitable privately owned companies. We provide access to those companies that specifically issue asset-backed debt directly off their balance sheets thus enabling investors to receive foreseeable fixed returns in all market conditions.
The Challenge
SMEs drive the developed world’s economy, employing around 90% of the workforce, yet many struggle to secure traditional bank financing—especially since the 2008 financial crisis led to stricter lending criteria. Banks often require extensive collateral, strong credit histories, and predictable cash flows, making it difficult for many businesses to qualify.
At the same time, some companies deliberately avoid bank loans due to rigid repayment terms, while others reject venture capital to maintain control and avoid pressure for rapid scaling. Going public isn’t always attractive either, as it brings regulatory burdens and shareholder expectations. This gap in funding creates a strong demand for private credit, offering flexible, tailored financing solutions for businesses that can’t or don’t want traditional options.
The Opportunity
Private credit is non-bank lending where private investors or institutions provide tailored financing solutions to businesses, offering flexibility that traditional banks, venture capital, or public markets often cannot.
- The Rise of Private Credit.
$1.4 trillion+ global market, growing 10-15% annually.
- What is Private Credit?
Non-bank lending, offering flexible and secured terms.
- Why Companies Use Private Credit?
Access to capital, flexible terms, lower cost of capital.
- Why Private Credit Appeals to Investors?
High yield, stable cash flow, predictable returns, diversification and low correlation to the global markets
Due Diligence Checklist
- Established Operational History: The business must have a proven track record of at least 3 years in operation.
- Positioned in a High-Growth Sector: The business operates in an expanding and resilient industry with strong future potential.
- Consistent Revenue Growth: Demonstrated year-on-year revenue growth, showcasing the company’s scalability and financial strength.
- Strong Profit Margins: The business must maintain healthy and sustainable profit margins that reflect operational efficiency.
- Optimal Debt-to-Equity Ratio: A low debt-to-equity ratio that ensures manageable financial risk and stability.
Asset-Backed Credit Opportunities: Investments must be backed by tangible assets, offering added security for capital.
- Attractive Returns: Investments must offer high yield returns that meet the risk and reward expectations of our investors.
- Full Transparency with Audited Financials: Provision of complete and up-to-date audited accounts, ensuring transparency and regulatory compliance.
- Experienced Management Team: A strong and capable leadership team with relevant experience in the industry.
- Scalable Business Model: The business model must demonstrate potential for expansion and scalability, ensuring long-term growth and sustainability.
- Regulatory Compliance: The company must adhere to all relevant industry regulations, ensuring a secure and compliant investment opportunity.
- Clear Justification for Avoiding Traditional Financing: The business must provide a clear and reasonable explanation for why it does not seek or is unable to access traditional financing methods, such as bank loans or venture capital.
Private Equity
Our directive in approaching private equity to always prioritize information, caution and calculated strategic steps. We forego high yield punts based solely on optimistic speculation and instead narrow down established businesses that not only possess clear revenue models but defined exit strategies as well. We believe that opportunity should walk hand in hand with logic as opposed to excitement and other unstable criteria. We use our stringent selection criteria that include our special purpose vehicle (SPV) as a refined tool to identify and lock in strong private equity deals. The end goal is to allow private investors access to potential returns via a calculated and diversified approach without committing exuberant sums.
Real Estate
Real estate remains a cornerstone of diversified portfolios, offering a balance of income, capital growth, and inflation protection. At WIUS Capital, we provide access to the full spectrum of real estate strategies from high-yield renovation projects in the UK to exclusive off-plan developments in the UAE. Whether you’re looking for residential, commercial, or mixed use opportunities, our global network and deep due diligence process ensure we can source, and structure investments aligned with your goals.