Publication 21.04.2026

Scarce capital, a market in transition: alternative credit at the core of a new real estate momentum

Author Name

Edoardo Crotta

Executive Director, Real Estate Debt Investment

Author Name

Sébastien Cossu

Co-Head of Real Estate Acquisitions

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At a glance

The real estate market is now evolving in a profoundly reshaped environment, marked by the end of a decade of exceptionally low interest rates, a sustained tightening of financing conditions and continuing significant capital requirements. In this new cycle, the issue is no longer solely one of asset valuation, but also of access to liquidity capable of supporting transition, refinancing and transformation phases.

In this publication, Edoardo Crotta, Head of Real Estate Credit, and Sébastien Cossu, Co-Head of Acquisitions, examine the structural changes currently under way in the market and explain why alternative credit is emerging as a key financing lever in real estate. They highlight the growing role of flexible, structured solutions in addressing refinancing needs, transformation Capex, asset repositioning and changing use cases, within an environment that is likely to remain more selective over the long term.

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Highlights

Rather than a sudden shock like in 2008, the sector is experiencing a slow and structural adjustment – a kind of “slow-motion car crash” for real estate.

This configuration creates compelling entry points, with spreads and structures that are materially more protective than during the period of monetary abundance.

We provide financing solutions tailored to a broad range of risk profiles, borrowers and leverage levels, with ticket sizes typically ranging from €20m to €200m.

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