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Growing Concerns Around Lending Standards

Growing Concerns Around Lending Standards

by Starling Insights

Starling Insights Editorial Board

Oct 22, 2025

Observations

Top US financiers have warned of a deterioration in lending standards after the recent collapses of car parts maker First Brands Group and subprime auto lender Tricolor Holdings, as reported by the Financial Times.

The failure of the companies, both of which relied heavily on private credit, inflicted heavy losses on investors, including Blackstone and PGIM, and banks such as Jefferies. The incident has brought renewed scrutiny of opaque private debt structures and highly leveraged borrowers. At the FT Private Capital Summit in London, Marc Rowan, CEO of Apollo Global Management, said the failures reflected years of lenders chasing riskier borrowers, noting that “a desire to win in a competitive market sometimes leads to shortcuts.”

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