Banks Won’t Tell You This — The Real Reason Private Credit Is Booming

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Издатель Nov 7, 2025

In this episode, Clime Managing Director Michael Baragwanath sits down with Founder and Chairman John Abernethy to unpack one of the fastest-growing — and least understood — sectors in Australia: the private credit market.

They explore:

Why the banks have stepped back from small-business and construction lending

How the private credit market is filling the gap — and at what risk

The relationship between property trusts, credit yields, and housing affordability

The $4 trillion superannuation pool and how it could be deployed to fund national infrastructure

The real risk of a minor credit crunch in Australian development sectors

What smarter super policy could look like under government direction

00:00 Intro – Michael Baragwanath & John Abernethy on the private credit landscape
00:40 Why banks have retreated from small-business and development lending
02:30 Private credit: the alternative market filling Australia’s funding gap
04:00 The complexity of default, redemptions, and illiquidity in private lending
05:20 Direct property trusts vs private lending returns — a surprising comparison
07:30 Why property lending can deliver higher yields with lower risk
09:10 The potential for a credit crunch in construction and housing
10:30 How post-GFC regulation reshaped the credit ecosystem
12:00 Inside Clime’s approach: using structured lending to boost investor yields
13:10 The case for infrastructure bonds and smarter deployment of super
17:00 Can government and super funds align for national growth?
18:30 Australia’s missing long-term vision — lessons from Singapore
19:45 Final reflections & viewer engagement

#investing Investing #privatecredit #australiaeconomy #propertymarket #superannuation #investmentstrategy #FinanceAustralia #wealthmanagement