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Lenders & Private Credit

Private Credit’s Golden Age Faces a Reality Check

Yield spreads are compressing, PIK use is rising, and even top lenders admit the easy-money era is ending.
December 1, 2025
Vishesh Raisinghani

For more than a decade, the private credit industry has been speeding along faster than a Porsche on the Autobahn. But recently speed bumps have emerged. Caution lights are blinking.

There are increasing signs of strain in the market and disciplined lenders are growing uneasy. They’re responding by diving into niches where underwriting edges matter and competition is sparse.

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