--- title: Private Credit – Understanding the Risks & Opportunities in the Current Environment description: Jeremy Todd,  Prime Meridian’s Head of Capital Markets   During these times of uncertainty, investors may look into assessing and restructuring their portfolio to be able to withstand this current environment.  For investment portfolios, private credit may provide a stable alternative compared with traditional equity and credit investments, and typically provide investors with portfolio risk ... Read More --- [![Prime Meridian Capital Management](https://www.pmifunds.com/hubfs/Branding/pmifunds-logo.svg)](https://www.pmifunds.com/) [![Prime Meridian Capital Management](https://www.pmifunds.com/hubfs/Branding/pmifunds-white-logo.svg)](https://www.pmifunds.com/) - About Us - [About Us](https://www.pmifunds.com/about) - [Recognition & Awards](https://www.pmifunds.com/awards-recognition) - [Team](https://www.pmifunds.com/team) - Our Strategies - [Investment Strategies](https://www.pmifunds.com/strategies) - [Special Opportunities Fund](https://www.pmifunds.com/special-opportunities-fund) - [Income Fund](https://www.pmifunds.com/income-fund) - [Non-Performing Loan Fund](https://www.pmifunds.com/npl-fund) - Insights - [Insights](https://www.pmifunds.com/insights) - [Events](https://www.pmifunds.com/events) - [Videos & Podcasts](https://www.pmifunds.com/video-podcast-resources) - [Contact Us](https://www.pmifunds.com/contact) [Contact Us](https://www.pmifunds.com/contact) # Private Credit – Understanding the Risks & Opportunities in the Current Environment May 29, 2020 ### Jeremy Todd,  Prime Meridian’s Head of Capital Markets During these times of uncertainty, investors may look into assessing and restructuring their portfolio to be able to withstand this current environment. For investment portfolios, private credit may provide a stable alternative compared with traditional equity and credit investments, and typically provide investors with portfolio risk diversification benefits. At FLAIA’s virtual Real Estate, Direct Lending and Private Debt Forum, three panelists and I explored the opportunities and risks in private credit in this current environment. Private credit has been exponentially growing in recent years. By 2021, the industry is projected to rise to approximately $1 trillion in assets under management. Each of the panelists shared an optimistic outlook, including Prime Meridian. At [Prime Meridian](https://www.pmifunds.com/), we believe our funds are well positioned for all economic environments, including in today’s volatile markets. Within the private credit asset class, the other panelists and I delved into different strategies that investors can take advantage of. At Prime Meridian, investors are not restricted to only one fund.  We provide investors with the opportunity to invest in different verticals through our funds – [consumer](https://www.pmifunds.com/funds/), [real estate](https://www.pmifunds.com/funds-2/real-estate-lending-fund/), [litigation finance, life settlements, and specialty credit](https://www.pmifunds.com/special-opportunities-fund/). By offering different funds within the private credit alternative asset class, investors have the option to invest in different strategies that best meet their investment objectives. We believe by being well-diversified and conservative, we are well positioned to take advantage of these opportunities and likely to generate higher quality risk-adjusted returns in this current environment. **Prime Meridian is one of the first dedicated fund managers in the marketplace lending space. Across our four main funds, we invest in various strategies: consumer lending, small business lending, real estate lending, life settlement, litigation finance, and specialty credit strategies.** [**To Learn More About Our Open Funds, Please Contact Us Here.**](https://www.pmifunds.com/contact/) [Return to Insights](https://www.pmifunds.com/insights/) ## Subscribe today to receive our latest News & Insights! Receive our latest stories delivered monthly directly to your inbox. [Subscribe](https://www.pmifunds.com/insights/private-credit-understanding-the-risks-opportunities-in-the-current-environment-panel#popup-00) ## Subscribe Now **Please fill in the required fields below.** ![Prime Meridian Capital Management](https://www.pmifunds.com/hubfs/branding/pmifunds-gray-logo.svg) 2121 N. 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Any offer or solicitation of an investment in the funds may be made only by delivery of the Memorandum. Before making any investment in the funds, you should thoroughly review the Memorandum with your professional advisor(s) to determine whether an investment in a Fund is suitable for you in light of your investment objectives and financial situation. The Memorandum contains important information concerning risk factors, including a more comprehensive description of the risks and other material aspects of an investment in the funds, and should be read carefully before any decision to invest is made. The funds are only open to investors fitting the definition of an “accredited investor” as that term is defined under Rule 501 of Regulation D of The Securities Act of 1933. An investment in the funds, like all investments, contains risk including the risk of total loss, and may not be appropriate for all investors. Any performance information shown on this website is presented net of all expenses, including management fees, performance fees and other expenses including portfolio-related expenses. Returns assume the reinvestment of all capital (including distributions where applicable) on a monthly basis. The performance data represents composite fund returns, and individual investor returns may vary higher or lower from the composite return due to timing of an investment and actual fees being charged. Past performance is not indicative of future returns. Any awards or other rankings listed on this site are not indicative of future performance.  These awards or any other rankings and/or recognition by unaffiliated rating services and/or publications should not be construed as a guarantee that an investor should or will experience a certain level of results or satisfaction if they invest with Firm, nor should it be construed as a current or past endorsement by any of our investors. Firm did not pay a fee to participate in these awards or ranking surveys. In addition, any projections contained on this website (including targeted returns, opinions, estimated fees, predictions or expectations about any future event) are based on a variety of estimates and assumptions by Prime Meridian Capital Management, including, among others, estimates and assumptions regarding future operating results, the value of assets and market conditions at the time of investment and disposition, interest rates, and other realization events. Performance estimates and underlying assumptions are inherently uncertain and are subject to numerous business, industry, market, regulatory, geo-political, competitive and financial risks that are outside PMCM’s control. There can be no assurance that the assumptions made in connection with any projections will prove accurate, and actual results may differ materially, including the possibility that an investor may lose some or all of any invested capital. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Prime Meridian Team", "url" : "https://www.pmifunds.com/insights/author/prime-meridian-team" }, "dateModified" : "2024-07-19T18:21:36.885Z", "datePublished" : "2020-05-29T04:00:00.000Z", "headline" : "Private Credit – Understanding the Risks & Opportunities in the Current Environment", "mainEntityOfPage" : { "@id" : "https://www.pmifunds.com/insights/private-credit-understanding-the-risks-opportunities-in-the-current-environment-panel", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.pmifunds.com/hubfs/Branding/pmifunds-logo.svg" }, "name" : "Prime Meridian Capital Management" } } ```