ResearchPrivate Credit 101

Private Credit 101

Oct 17, 2022

In our opinion, private credit is a great way to earn stable income as well as construct a diversified portfolio. Private credit has grown substantially over the last ten years and is an increasingly important part of most institutional and high-net-worth individuals’ portfolios.

So, what is it? Private credit is an alternative asset class made up of privately negotiated loans and other debt incurred by companies to help fund their operations or drive growth. 

An institution that lends capital then earns interest for lending the money to the business over an agreed upon period of time. Private credit as an asset class is an investment in a fund that provides these loans to companies.

How does investing in private credit compare to other asset classes? To put it into context, investing in equities, or stocks, generally have more upside but also are accompanied by greater risk. Credit on the other hand generally can offer more stability and consistency, but may lack some of the upside that equity can offer.

There are dozens of types of private credit: direct lending, opportunistic, performing and more. These credit types span the risk spectrum, and as with most investments, investors are compensated based on this level of risk associated with each sleeve. Generally credit investments pay regular distributions, and as risk goes up, generally the return profile follows suit.

Due to the contractual nature of credit products from interest payments, returns are generally less volatile while also being less correlated to equity and crypto markets - meaning they generally don’t move in tandem.

We believe private credit is a great opportunity for investors to earn a stable income with higher returns than traditional fixed income,  more stability, and create a diversified portfolio. 

Cash Management

Smart Cash

Smart Cash FAQs

Cash Options

Get Smart Cash


© Copyright 2024 Titan Global Capital Management USA LLC. All Rights Reserved.

Titan Global Capital Management USA LLC ("Titan") is an investment adviser registered with the Securities and Exchange Commission (“SEC”). By using this website, you accept and agree to Titan’s Terms of Use and Privacy Policy. Titan’s investment advisory services are available only to residents of the United States in jurisdictions where Titan is registered. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities or investment products. Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings and other information provided are for illustrative purposes only and are not to be considered investment recommendations. The content on this website is for informational purposes only and does not constitute a comprehensive description of Titan’s investment advisory services.

Please refer to Titan's Program Brochure for important additional information. Certain investments are not suitable for all investors. Before investing, you should consider your investment objectives and any fees charged by Titan. The rate of return on investments can vary widely over time, especially for long term investments. Investment losses are possible, including the potential loss of all amounts invested, including principal. Brokerage services are provided to Titan Clients by Titan Global Technologies LLC and Apex Clearing Corporation, both registered broker-dealers and members of FINRA/SIPC. For more information, visit our disclosures page. You may check the background of these firms by visiting FINRA's BrokerCheck.

Various Registered Investment Company products (“Third Party Funds”) offered by third party fund families and investment companies are made available on the platform. Some of these Third Party Funds are offered through Titan Global Technologies LLC. Other Third Party Funds are offered to advisory clients by Titan. Before investing in such Third Party Funds you should consult the specific supplemental information available for each product. Please refer to Titan's Program Brochure for important additional information. Certain Third Party Funds that are available on Titan’s platform are interval funds. Investments in interval funds are highly speculative and subject to a lack of liquidity that is generally available in other types of investments. Actual investment return and principal value is likely to fluctuate and may depreciate in value when redeemed. Liquidity and distributions are not guaranteed, and are subject to availability at the discretion of the Third Party Fund.

The cash sweep program is made available in coordination with Apex Clearing Corporation through Titan Global Technologies LLC. Please visit for applicable terms and conditions and important disclosures.

Cryptocurrency advisory services are provided by Titan.

Information provided by Titan Support is for informational and general educational purposes only and is not investment or financial advice.

Contact Titan at 508 LaGuardia Place NY, NY 10012.