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4. Private Credit

Stable, attractive risk-adjusted returns through UK direct lending and special situations.

Closing the UK mid-market lending gap with downside-protected structures across direct lending, special situations and infrastructure debt.

Strategies 1 Growth Equity 2 Infrastructure 3 Private Equity 4 Private Credit 5 Real Estate
Overview

Why now?

Bank lending dislocation has created a structural opening for private credit. Our private credit strategy targets attractive yields with strong downside protection and is driven by a bespoke, partnership-led approach with the broadest private credit and direct lending ecosystem in the UK.

UK business engagement on site — placeholder image
Sub-Strategies

Two product structures.
Senior secured to special situations.

Spanning the UK private credit opportunity set — from senior secured direct lending to mid-market companies through to complex situational financing.

Sub-Strategy Purpose
GREAT Direct Lending UK-focused direct lending — 60% deployment in UK growth sectors
Special Attractive Situations Situational financing for complex opportunities
The Team

UK private credit specialists.

UK private credit specialist credit leadership — 25+ years of experience across UK credit and debt capital markets, $500bn+ of debt originated over the last 20 years, with deep expertise in lending, special situations and financial institutions.

David Sismey

Head of Private Credit
  • 25+ years of experience across credit, debt and lending markets in the UK and globally
  • Prior leadership positions at Goldman Sachs, HSBC and J.P. Morgan
  • Arranged, structured and deployed $500bn+ of corporate debt, credit and hybrid financings
Case Studies

Track record across UK credit.

Selected transactions illustrating the team's capability across direct lending, complex restructurings and structured credit.

Credit & Capital Investment Structuring

Lloyds Banking Group — Asset Protection Scheme (APS)

Thesis: £22.5bn investment / capital raising and APS exit.

Innovation: Created entirely new hybrid capital product (Enhanced Capital Notes).

£22.5bn raised · APS exit
Credit & Capital Investments

Irish Banking System — Pillar Bank Recapitalisation

Thesis: Recapitalised Irish pillar banks through capital, credit and asset solutions.

Execution: €28bn capital injections + €78bn asset sales; bad bank establishment.

Successful bank recapitalisations and restoration of credit profile
Asset Owner / Investor Value Proposition

Why invest with Point Break?

Access

Expertise spanning 25 years of credit cycles in the UK — advising and issuing credit for banking system participants representing the lion's share of credit in the UK. Proprietary UK private credit deal flow through deep bank, sponsor and direct origination channels.

Return Profile

Presenting attractive risk-adjusted returns across sub-strategies.

Credit Underwriting & Downside Protection

Senior secured structures, downside-protected by design, with deep diligence and active credit management.

Risk & Governance

Best-in-class risk management frameworks and experience. Sophisticated governance framework across investment committee, independent valuation, audit and ESG.

Get in touch

Discuss the Private Credit strategy with our team.

Materials and detailed strategy decks are available under NDA. All enquiries are handled personally by a member of the leadership team.

Request a Conversation