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July 16, 2025 23 mins

In this episode of Uncommon Capital, we sit down with P.J. Collins to unpack two decades of insights from investing in consumer credit.

P.J. shares how the landscape has evolved - from the dominance of traditional banks to the rise of private asset-based finance - and breaks down exactly what “asset-based finance” means in today’s market. We also dive into the role of private credit in this ecosystem and the biggest opportunities ahead.

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