StashAway Reserve is only for Accredited Investors
Access stable, high-yield opportunities with senior secured

Private Credit

  • The Private Credit asset class typically offers 6-10% p.a.* target returns
  • Managed by Hamilton Lane, a leading private assets specialist with >$940 billion USD in assets under management


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StashAway Management (DIFC) Limited is regulated by the DFSA (license number F006312).

What is Private Credit?
What is Private Credit?

What is Private Credit?

Private credit is a type of debt financing provided by non-bank lenders. It’s an attractive option for investors looking for higher yields and portfolio diversification compared to traditional fixed income.

There’s now more wealth than ever to capture in the global private credit markets: BlackRock estimates it could reach US$3.5 trillion in AUM by year-end 2028 (as of March 2023). Private Credit with StashAway is your access to this opportunity.

Verify your Professional Client status with StashAway

and we will share all details, including:
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Target yield.
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Target total return
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Details of the underlying investments
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Past performance
Access to Private Credit is only available to Professional Clients. If you’re interested, simply book a quick call with one of our Wealth Advisors. During the conversation, we’ll kick-start your verification process. Becoming a Professional Client with Reserve is a quick and straight-forward process for those who qualify.

Who should invest

Professional Clients looking for…
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Enhanced risk-adjusted performance of their portfolio
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Stable, attractive yields with senior secured Private Credit
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Resilience in the shifting rate environment - Private Credit's stable spreads help sustain attractive yields
*Source: Cambridge Associates LLC. Refers to gross unlevered target returns of senior debt strategies. Target returns are not a guarantee of actual returns.

Introducing Hamilton Lane

A leading private market assets manager

Managed by Hamilton Lane with over $900 billion in assets under management (AUM).

Backed by decades of experience, Hamilton Lane’s senior credit strategy has consistently delivered strong performance in direct credit investments.

How to get started

Speak to a Wealth Advisor to learn more about how to invest in Private Credit, and how to verify your Professional Client status with StashAway.

Talk to a Wealth Advisor: Click here

Alternatively, you can reach out to us via email or WhatsApp:

Bhupesh Upadhyay
Email: bhupesh@stashaway.com
WhatsApp: +971 55 189 3002

Frequently Asked Questions

A Professional Client ("PC") may generally have access to a wider range of financial products and services. Some financial institutions may not offer certain products and services to persons who are non-PC.

Under section 2 of the Conduct of Business Module Rulebook of the Dubai Financial Services Authority (the "DFSA"), you may be categorised as a Professional Client (“PC”). A PC may generally have access to a wider range of financial products and services.

To be eligible to be treated as a PC, you must first meet eligibility criteria (please refer to "How do I qualify for PC Status?" ) and you must opt in to be treated as a PC.

If you opt in to be treated as a PC, you are regarded as having consented to and understood the following:

  1. I represent, warrant and undertake that I am a "Professional Client" ("PC") as defined under the DFSA Conduct of Business Module Rulebook, Section 2. I agree to provide the relevant supporting documents and all supporting information and documents I have or will provide are true, accurate, complete and authentic. This representation shall be deemed repeated upon every transaction and dealings with StashAway in relation to my account.
  2. I understand what it means to be a PC and the consequences of choosing to opt in. In particular, I acknowledge that choosing to be a PC, this may reduce certain regulatory safeguards applicable to me so long as StashAway has not received a withdrawal of consent from me. I have read and understand the general warning and regulatory safeguards applicable to me, as discussed in the PC FAQs.
  3. Having considered the consequences, I choose to opt-in and provide my consent to be treated as a PC as defined in the PC FAQs in relation to my account, transactions and dealings with StashAway.
  4. I am aware that I can withdraw my consent at any point in time and choose not to continue to be treated as a PC. I acknowledge that I have read and understood the consequences of withdrawing my consent.
  5. I confirm that although StashAway may draw my attention to investment opportunities and provide me with market information, opinions or recommendations, I understand that such advice may be given in isolation and may not always take into account the asset allocation of my portfolio. I agree and acknowledge that all decisions whether or not to invest and/or to enter into transactions will be made on my own. I will be making decisions on whether or not to invest and/or to enter into any transactions on my own behalf and/or StashAway will only facilitate the entering into such transactions upon receiving my instructions.
  6. I undertake to notify StashAway immediately of any subsequent change to my financial situation which affects my eligibility to be considered as a PC.
  7. I am aware that StashAway will not be required to provide me with any contract notes, statements of account or receipts under the DFSA Rules, on a monthly basis, when my PC status is in effect where such would otherwise be required, unless I instruct StashAway to do so. Although StashAway has no regulatory duty to provide me with the above-mentioned information, StashAway will continue to send me the statements of account until further notice and to provide me with other information upon request.

As an individual investor, you can only qualify as a Professional Client (PC) if you meet the following criteria:

  • Have ‘net’ assets of at least $1 million; 

AND

  • Are currently, or have been, over the last two years, an employee in a relevant professional position of a regulated financial institution;

Or,

  • Appear, on reasonable grounds, to have sufficient experience and understanding of relevant financial markets, products or transactions and any associated risks.

Please note: Due to regulatory requirements, we would need to obtain sufficient evidence on your status as a PC. The asset test excludes the value of your primary residence, but may include the following assets held directly or indirectly:

  • Cash holdings in current or savings accounts and fixed deposits
  • Listed securities such as holdings in stocks, bonds and ETFs
  • Holdings of units in mutual funds
  • Your investment holdings managed by StashAway
  • Investment property or secondary residences, deducting any mortgages or other charges held over the property from the value of the assets
  • 33% of the market value of Recognised Crypto Tokens which include Bitcoin, Ethereum, XRP, Toncoin and Litecoin

How to Apply for Professional Client Status on StashAway (Verified Accounts)

  1. Open your StashAway app. 
  2. Access the menu: In the upper left corner of the app, you'll see three horizontal lines. Tap on this icon to open the main menu.
  3. Select "Professional Clients": Scroll to the bottom of the menu and tap on the "Professional Clients" option.
  4. Answer the questions: Carefully read each question and provide accurate information.
  5. Confirm your application: Acknowledge that you understand the application by checking the appropriate box or following the app's instructions.
  6. Upload your documents: Have digital copies of your investment asset documents ready (e.g., brokerage statements, portfolio summaries). Follow the app's prompts to upload them securely.
  7. Wait for verification: The review process typically takes 1-3 business days. You'll receive an email once your status is confirmed.
  8. Explore private investments: After verification, you'll unlock access to private investment options within your StashAway portfolio.