Private credit is about to explode from $1 trillion to $5 trillion.
Most people have no idea why that creates an impossible problem.
Kevin Chen has spent decades in traditional finance. Public markets, private markets, IPO advisory, board seats on publicly traded companies. He lectures at Harvard, NYU, and Fordham. He talks to founders every single day.
When he agreed to advise Scalata, he explained something that changed how I think about our market.
“Private credit is much more complicated than equity. You have different collaterals, different levels of seniority, countless combinations. With stocks, you have one stock representing one company. Private credit is messy.”
Then he said the part that matters:
“AI is really good for this.”
The complexity that makes private credit a nightmare for humans is exactly what makes it perfect for generative AI.
Pattern recognition across thousands of variables. Risk assessment that would take analysts weeks compressed into minutes. Decisions that require synthesizing information no single person could hold in their head.
Kevin sees the wave coming. Trillions of dollars flowing into a market that current tools cannot efficiently manage.
The institutions that figure this out first won’t just gain an edge. They’ll define how credit markets operate for the next generation.
That’s why we’re here. Not because the trend is interesting. But because the technology actually solves the problem the trend creates.
