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Private-Credit Stress Deepens as Morgan Stanley, BlackRock Gate Withdrawals and JPMorgan Tightens Lending

The moves highlight a liquidity mismatch between semi-liquid investor structures and illiquid software‑heavy loans.

Overview

  • Morgan Stanley’s North Haven Private Income Fund met 45.8% of redemption requests after investors sought to withdraw nearly 11% of shares, following BlackRock’s limits at its $26 billion HLEND fund after requests reached 9.3% of net asset value.
  • Earlier constraints widened the pressure points as Blue Owl ended quarterly redemptions for OBDC II and Cliffwater and HPS Investment Partners capped quarterly withdrawals at 7% and 5%, respectively.
  • JPMorgan reduced valuations on some loans tied to private‑credit funds and is curbing lending to exposures linked to software borrowers, signaling tighter financing conditions for direct lenders.
  • Investors have pulled billions from leading private‑credit vehicles in recent weeks and U.S. bank stocks have come under pressure, with Moody’s citing $299.3 billion in bank loans to private‑credit intermediaries as a channel of potential spillover.
  • Sector concentration compounds risk, with software and technology accounting for roughly a quarter of private‑credit loans and UBS warning defaults could reach about 13% in an aggressive AI‑disruption scenario.