Private Credit for Women Investors: How to Earn Passive Returns Minus the Stock Market Rollercoaster

In this episode, I continue our Alternative Investment Series by explaining private credit. It’s a popular way for wealthy investors to build wealth, but many people don’t really understand how it works.

Terms like private credit, private lending, and private debt might seem intimidating, but they’re actually easier to understand than you might think. In this episode, I explain what private credit is, why banks sometimes turn down good deals, and how private lenders help fill that need.

We go through real examples like real estate, construction loans, inventory lending, and litigation funding to show how private credit works in real life. I also explain what makes private credit stable when managed well, what to look for in opportunities, and why steady, predictable returns are more important than hype for long-term wealth.

This episode is focused on making things clear, giving you more access, and showing women more financial options.

Episode Breakdown & Timestamps

• What private credit actually is (explained) (03:20)
• Why banks say no, and what happens next (06:10)
• The room where private credit finally clicked for me (10:45)
• How private credit works in real life
• Real estate & fix-and-flips (17:30)
• Construction & development financing (21:40)
• Inventory & purchase order lending (25:55)
• Litigation financing (29:10)
• Why underwriting matters more than returns (32:15)
• What to look for: collateral, LTV, track record, diversification (36:40)
• Why private credit resonates with women investors (44:20)
• Predictability, consistency, and long-term wealth building (49:10)
• How this fits into the earning-to-ownership journey (55:30)
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Resources Mentioned

• Previous episode: Real Estate as a Wealth-Building Tool
• Series: Alternative Investment Series
• Free Resource: The Wealth Continuum (waitlist)
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What’s Next

Next week, we’ll keep the series going by looking at life insurance as a way to build wealth. It’s another strategy that many people don’t know can work for them.

If this episode made private credit clearer for you:

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