Portfolio opportunities in smaller, non-public companies often inaccessible through traditional avenues.
In a rare lending setting that occurs once every ten years, the Federal Reserve has swiftly raised interest rates in the past 12-18 months to combat inflation. This shift in policy has disrupted markets, causing widespread imbalances, increased stress throughout the system, and a potential liquidity crisis that poses a threat to the global economy.

These factors have combined to form what we view as possibly the most favorable environment for credit investments in a lifetime.

In an increasingly volatile market landscape, private credit emerges as a compelling option for investors seeking stability, attractive returns, and unique opportunities. Unlike traditional public market investments, private lending encompasses loans, fixed income, and structured investments that offer several distinct advantages. For institutional investors and qualified individuals seeking to enhance returns, mitigate risk, and expand their investment horizons, private credit offers a compelling alternative.

Private credit, also known as private lending, comprises loans, fixed-income securities, or other structured investments that seek to provide higher yields with less risk compared to equity investments. Essentially, investors in private credit lend funds to borrowers in return for a fixed return rate (usually expressed as an interest rate or preferred return) without gaining equity ownership or potential profits. Unlike publicly traded credit or fixed-income securities like bonds or asset-backed securities, private credit is illiquid and aims to generate a relatively higher return.

Due to the extraordinary measures taken by the Federal Reserve, borrowing money for 30 days is now more costly than borrowing for 30 years. This abnormal situation has resulted in what we refer to as a decade-defining liquidity crisis called The Great Deleveraging.

As a consequence, individuals and companies seeking loans, especially short-term ones, will need to accept more favorable terms for investors. Higher interest rates will lead to borrowers taking on lower levels of leverage (signifying reduced risk). Most loans maturing in 2024 will necessitate a paydown, while new loans will likely require the use of "bridge" or "mezzanine" financing due to the gap between expected and actual proceeds.

On the other hand, investors who have been prudent and maintained larger cash reserves in recent years will have the advantage of demanding higher returns in exchange for providing liquidity during what we anticipate being a temporary period of adjustment.

AlignChance Financial, LLC. currently holds this advantageous position.

We have been cutting through the red tape in the financial lending arena, since 2019.  Connecting the business community, small and midsize business to quick easily available capital, to build something bigger, without putting their businesses on hold.

THE GOAL

We grow by strengthening our communities with continuous innovative technology from the business and commercial financing space. Helping you and your business portfolio, achieve growth and move financially as the road permits. If there is no way, we carve out a way forward. 100% Guaranteed.  Access your portfolio accounts.