@Okumamac
Look at VCP speciality lending as an alternative. It’s a lender to to sub prime lenders. IE the borrower take first loss. Had no problems during COVID all interest paid by the borrower’s. The sector debt-direct lending (investment trusts) are all on big discounts.
VCP share price fell and discount increased recently. Can find no news item for the reason.
It’s estimated NAV is now a fair bit below its actual NAV. Discount is based estimated NAV.
https://www.theaic.co.uk/aic/find-compare-investment-companies?sec=DDL&sortid=Name&desc=false
VCP is on a 31% discount. 10.6% dividend.