Zenflow
Private Credit
Access stable, yield-generating private credit opportunities including direct lending, mezzanine debt, and structured credit solutions.
What Is Private Credit
Higher Yields Through Direct Lending
Private credit involves lending directly to companies outside the traditional banking system. This asset class offers higher yields than public fixed income while providing regular income through interest payments. Private credit strategies include direct lending, mezzanine debt, distressed debt, and structured credit. Zenflow provides access to professionally managed private credit funds with rigorous credit underwriting.
Features
Private Credit Investment Options
Direct Lending
Loans directly to mid-market companies with predictable cash flows and asset backing.
Mezzanine Debt
Subordinated debt with equity kickers offering higher returns than senior lending.
Structured Credit
Customised credit solutions including receivables financing and revenue-based lending.
Regular Income
Monthly or quarterly interest distributions providing stable income streams.
Credit Analysis
Rigorous credit underwriting with collateral assessment and borrower due diligence.
Portfolio Diversification
Low correlation with equity markets, providing genuine portfolio diversification.
How It Works
Invest in Private Credit in 4 Steps
Consultation
Discuss your income and yield requirements with our private credit advisory team.
Fund / Deal Selection
Review curated private credit funds or direct lending opportunities with credit analysis.
Commit Capital
Make the minimum commitment and receive capital deployment schedule.
Receive Distributions
Earn regular interest distributions and principal repayments per the fund schedule.
Why Zenflow
The Zenflow Advantage for Private Credit
Credit Expertise
Experienced credit analysis team with deep expertise in mid-market lending.
Diversified Exposure
Access to multiple credit strategies and borrower profiles for portfolio diversification.
Transparent Reporting
Monthly portfolio reports with credit quality metrics, default tracking, and distribution details.
Yield Solutions
Explore private credit opportunities
Access higher yields through professionally managed private lending strategies.
Frequently Asked Questions
Common Questions Answered
Private credit funds typically target returns of 12-18% per annum depending on the strategy (senior lending at the lower end, mezzanine at the higher end). Returns are not guaranteed.
Private credit involves direct lending to companies (not through public markets). It offers higher yields but lower liquidity compared to publicly traded bonds.
Fund tenures typically range from 3-5 years for private credit funds. Individual loan tenures within the fund may range from 1-3 years.
Key risks include borrower default risk, illiquidity, concentration risk, and interest rate risk. Private credit funds mitigate these through diversification, collateral, and rigorous underwriting.
Expert Advisory
Ready to get started?
Schedule a call with our advisory team to discuss the right strategy for your goals.
Private credit investments are typically structured as Category II AIFs under SEBI (AIF) Regulations, 2012.
Private credit investments carry credit risk, liquidity risk, and are not suitable for all investors. Returns are not guaranteed. Minimum investment ₹1 Crore. Please read the fund documentation carefully.
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