In this episode of Wealth Distribution with Fexingo, Lucas and Luna explore direct lending—a $1.4 trillion private credit market where institutions lend directly to companies, bypassing banks. While pension funds and endowments earn 8-12% yields, middle-class investors are largely shut out, stuck with bank CDs yielding under 3%. The hosts break down how direct lending works, why it's booming after regional bank turmoil in 2023-2024, and whether newly launched interval funds and BDCs are a realistic way in—or just another layer of fees. They also discuss the risk of rising defaults as interest rates stay higher for longer. A concrete look at one of the biggest wealth-building gaps in modern finance.

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