Updates from DecAltra

Insights & News

Lending economicsPerspective

Is the cost of providing credit holding back Europe’s productivity?

Suitable finance needs to reach viable businesses at the right time, through lending processes that are rigorous and economically sustainable.

“Taking steps to lower delivery and monitoring costs would be instrumental in improving the economics of SME lending.”
Manning et al. · Bank of England · 2026 ↗

Main takeaways

  • Financing constraints can hold back business investment and growth.
  • Assessment and monitoring costs can make smaller loans less attractive to lenders.
  • Better decision infrastructure can make rigorous lending more efficient and scalable.

Selected research informing our perspective

ECB · Finance and productivity · 2024 ↗Bank of England · Lending economics · 2026 ↗OECD · Digitalisation and productivity · 2024 ↗
Read perspective ↗DecAltra perspective
Private creditPerspective

Can private credit become a durable funding source for European growth?

Private credit is becoming an important asset class for investors and a broader source of finance for European businesses. Its durability depends on strong credit decisions and transparent oversight.

“Private credit could promote long-term growth by channelling funds from long-term investors to innovative firms.”
European Central Bank · Financial Stability Review · 2026 ↗

Main takeaways

  • Private credit is becoming a more important source of business finance alongside banks and public markets.
  • It can support European growth by connecting capital with viable companies that do not fit a typical bank-lending profile.
  • A sustainable market depends on disciplined credit processes, transparent valuations, effective monitoring and sound governance.

Selected research informing our perspective

ECB · Private credit and financial stability · 2026 ↗ FSB · Private credit vulnerabilities · 2026 ↗ ASIC · Principles for private credit funds · 2025 ↗
Read perspective ↗DecAltra perspective
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