Private Credit

Our private credit strategy is dedicated to providing senior secured loans to European mid-market companies.

Private Credit

As traditional banks retreat from mid-market lending and other private credit funds focus on larger tickets, we aim to address the growing financing gap in this segment with a selective approach designed to provide investors with attractive risk-adjusted returns. Our strategy is based on flexible, non-bank lending solutions for businesses, catering to the specific needs of mid-market borrowers.

Focused investment strategy

Atrato focuses on providing tailored financing solutions to the European mid-market – a segment we believe is under-served. We leverage our team’s long-standing relationships and agile, sustainable investment platform to offer flexible lending options, unencumbered by legacy positions.

Why Atrato

Mid-market focus
We concentrate on lending to mid-sized European companies - a market with significant unmet demand for private credit solutions
Bespoke solutions
Our loans can be structured to meet the specific needs of our borrowers, focusing on senior secured lending for a balanced risk-return profile
Differentiated sourcing strategy
Our extensive network of relationships enables access to less competitive deal flow, providing us with attractive opportunities
Rigorous credit underwriting
We apply a thorough, fundamental approach to due diligence, credit analysis and structuring, ensuring robust risk management
Co-investment opportunities
Atrato’s platform offers investors the opportunity to co-invest in select transactions

The European mid-market opportunity

We believe that the European private credit sector is undergoing a significant transformation, with a 21% CAGR over the past decade compared to 14% in the US.

With European banks reducing their lending to mid-market companies, due to regulatory changes and risk aversion, we estimate a c.€1 trillion addressable market across more than 226,000 European mid-market businesses.

As mainstream private credit funds increasingly focus on larger transactions, due to pressure to deploy capital, this creates a unique opportunity for Atrato to step in and provide essential capital to this under-served market.

Specialist team

Led by seasoned private credit professionals with a c. €20 billion track record in European credit, our private credit offering also benefits from
more than 100 years of combined experience in credit underwriting and structuring across Atrato’s senior management team.

Sustainable investment
for long term value

At Atrato we have targeted responsible investing since our inception, aiming to stand apart from the crowd through not just our values, but our actions towards individuals, society and the environment.

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