Twelve months ending March 31, 2026
Asset-backed notes offer clear diversification benefits in investor portfolios and one of the lowest average correlations to other common asset classes.
While public markets repriced sharply on geopolitical shock and AI-driven volatility in Q1, Percent’s ABS deals kept paying scheduled monthly cash flows.
*ABS net return figures reflect the trailing twelve months ending March 31, 2026, calculated as interest payments minus charge-offs on ABS deals, divided by average AUM. Net return after losses: 14.6%; net return after losses and fees: 13.7%. Past performance is not indicative of future results. Investing involves risk, including potential loss of principal.
A $3.5 trillion asset class, according to Morgan Stanley, once accessible only with institutional minimums. That’s changing.
To grow their loan book, finance inventory, or expand operations, a business needs financing. Selling equity means giving up ownership. Public bond markets require high minimums and extensive disclosure. And for many borrowers, banks have pulled back — post-Basel III regulations pushed them away from whole categories of lending.
A private lender steps in and makes the loan directly. No bond issuance. No bank intermediary. Terms are negotiated privately: loan size, interest rate, collateral, duration. The borrower gets flexible capital; the lender earns interest over the life of the deal.
Private credit has expanded from a niche institutional strategy to one of the largest alternative asset classes in the world. On track for $5 trillion by 2029.
Pension funds, endowments, and sovereign wealth funds came in with $500K minimums and accepted lock-ups of five to ten years. Individual accredited investors had no seat at the table.
$ trillions, AUM forecast through 2029
Percent unlocks the private credit market for accredited investors with individual deal access, radical transparency, and real price discovery through Dutch auction. No black boxes. Short durations. No institutional minimums required.
Specialty lenders need capital to scale; post-Basel III banks have stepped back. Percent finances these lenders against their own performing receivables. Returns rooted in real cash flows, not market sentiment.
Loans to small-business financing companies (e.g. working-capital lenders, equipment financiers) backed by diversified pools of thousands of underlying business loans.
Funding for MCA platforms that advance capital to small businesses, repaid through a fixed percentage of daily card sales. Short-duration, self-amortizing receivables.
Working capital advanced against unpaid invoices, purchase orders, and cross-border supply-chain receivables. The receivables themselves are the collateral. Ultra-short duration, self-liquidating.
Including newer asset classes like music royalty cash flows, where contractual rights to streaming and licensing revenue back the note. Long-duration, contractually obligated cash flows.
Pools of consumer loans — earned-wage access, point-of-sale lending, healthcare patient finance — diversified across thousands of underlying borrowers.
Access private credit investments previously reserved for institutions.
Percent’s innovative marketplace connects investors with corporate borrowers, aiming to simplify the investment and portfolio management experience.
Private credit can be a short- or long-term strategy. Potentially earn 12%+ coupon with investments that can mature in as little as three months or as long as a few years. Most deals on Percent's marketplace feature durations of 6-24 months. With shorter-duration investments, you can redeploy your capital in a fluctuating-rate environment.
Specify your desired yield and minimum investment amount during syndication. Only invest if your parameters are met. For direct investing, fees apply only to interest earned.
Gain exposure to different asset classes and geographies with individual deals, or use Blended Notes to quickly achieve broad diversification.
With our proprietary technology, see and compare available deals upfront. Access comprehensive borrower, deal, and market data. Then, track performance and use surveillance reports to keep informed at every step.
Many deals on Percent's marketplace are structured to distribute returns monthly. Payment schedules and amounts vary by deal and are subject to deal-specific terms and risks.
Our knowledgeable Investor Relations team is available to answer your questions – just call or email us. Investors tell us that our white glove service sets Percent apart from other online investment platforms.
Get $500 in your Percent account after you make your first investment.
When we opened our account with Percent, we didn't know how much we would be investing on the platform. We have been very pleased with the opportunities and returns offered and have increased our investments on Percent this year.
Percent fits my investing strategy perfectly. Not only can I diversify my portfolio with a shorter duration alternative investment like private credit, I can further diversify across multiple asset classes.
They are one of the only platforms l've dealt with that have real people on the other end of their customer service line. Talking to a human being regarding my portfolio and investments is instrumental in this digital world we live in.
With Percent, I am now able to access and select from multiple deals (many with only a $500 minimum) which were previously only obtainable by investment banks or private equity firms.
Percent has been the best addition to my portfolio in a while. The ability to select from pre-vetted high-yield opportunities is not something l've found elsewhere.
Quotes are from real Percent investors who were not compensated for their testimonials. Individual results may vary and past performance does not guarantee future results.
Private credit transactions include debt financing and privately negotiated loans.
Borrowers include small businesses and startups without access to the public markets. Private transactions finance their operations and growth, and are often backed by assets or loan portfolios.
Many deals syndicated on Percent's marketplace are secured by real assets or loan portfolios.
Large institutional investors and financial advisors are increasing their allocations to alternatives.
Asset-based deals offer the potential for regular income.
Private credit deals have historically exhibited lower correlation to traditional markets.
