The most common and most likely answer to this crossword clue is the 4 plus 7 letter word RISK CAPITAL
R
I
S
K
C
A
P
I
T
A
L
Buddy explains!
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.