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High yield returns. Generate recurring income.

Easily find, compare, and invest in exclusive private credit deals. Diversify and grow your portfolio with inflation- and recession-resilient short-term assets offering a range of high yields.

Since 2018, thousands of accredited investors have trusted Percent as their source for private credit investing.

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$500 Minimum
9.6 months Average Term
Close Date: In 3 Days 96% Funded
18.08% Current Weighted
Average APY
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Unlock value with private credit

Private credit is an alternative asset class that can offer higher yield, shorter duration investments largely uncorrelated to the stock market. That’s why institutional investors are flocking to private credit and the $7 trillion private capital market.

Now, Percent gives accredited investors these opportunities too.

Learn More About Private Credit

Different Asset Class Types

  Percent Private Credit* Commercial Real Estate Stock Market Farmland Collectibles & Art High Yield Bonds
Lower Volatility yes no no yes yes yes
Diversification yes yes yes no yes yes
Investment Horizon As little as 3 months Years Varies Years Varies Varies
Surveillance & Data Availability yes no yes no no yes

Scroll to see comparison

* Percent asset-based notes

Diversification can protect against volatility and improve returns

Industry research shows better returns from a 40/30/30 portfolio, with 30% allocated to alternatives like private credit.

Over a two year period, more diversified portfolios showed a 2.6% higher return rate than the traditional 60/40 equity/fixed income mix, with overall volatility lowered by more than 3%.

Like every investment, private credit involves risk. Percent encourages investors to understand their risk appetite and conduct due diligence before investing.

Diversify Your Portfolio

Looking beyond stocks and fixed income - why private markets

Are you putting artificial limits on your portfolio?

Read our full report >

Finding the right opportunity is hard.
We make it easier.

Percent’s innovative marketplace connects investors with corporate borrowers, simplifying investment and portfolio management.

Returns on your timeline.

Earn as much as 20% APY or more with investments that can mature in as little as one month or as long as a few years. With shorter-duration investments, you can redeploy your capital in a rising-rate environment.

Invest on your terms.

Specify your desired yield and minimum investment amount during syndication. Only invest if your parameters are met. Low fees apply only to interest.

Diversification by design.

Gain exposure to different asset classes and geographies with individual deals, or use Blended Notes to quickly achieve broad diversification.

Transparency at every turn.

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.

recurring income streams

A recurring income stream

Receive steady cash flow – often monthly – as well as yield. Percent investments generate passive income throughout the lifetime of the deal.

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Expert support from investment professionals

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.

Percent is the only platform focused exclusively on bringing private credit to accredited and institutional investors.

View Available Deals

Recently Launched


Unsecured credit lines APY 15.00% - 17.00% Amount $600K Term 9 Months Close Date 7/15/2024 View Deal


E-Commerce APY 18.00% - 21.00% Amount $1.5M Term 8 months Close Date 7/21/2024 View Deal

Percent Advisors

Blended Notes APY Variable% Amount $1M Term 35 Months Close Date 7/31/2024 View Deal

Wall Street Funding

Specialty SMB Finance APY 12.00% - 16.00% Amount $2.8M Term 9 Months Close Date 7/08/2024 View Deal

Juancho Te Presta

Other APY 18.00% - 20.00% Amount $500K Term 18 Months Close Date 7/09/2024 View Deal


E-commerce APY 17.00% - 18.50% Amount $850K Term 9 Months Close Date 7/09/2024 View Deal

BGT Ventures General Trading

Other APY 13.50% - 14.50% Amount $500K Term 9 Months Close Date 7/11/2024 View Deal

Make your first investment and get up to $500.

Get up to $500 in your Percent account after your first investment.

What Our Investors Are Saying

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 I’ve found elsewhere.
Jonathan C. Investor since 2022

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.
Jason E. CPA & Certified Fraud Specialist, Investor since 2021

They are one of the only platforms I’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.
Daniel C. Investment Professional

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.
Drew M. Investor since 2019

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.
Tom L. Investor since 2021

A diverse, multi-trillion-dollar asset class

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, loan portfolios, or corporate debt.

Learn More


Higher rates from borrowers who need liquidity.


Large institutional investors and financial advisors are increasing their allocations to alternatives.


Asset-based deals can offer predictable, stable income.

Recession- & inflation-resilient

Low correlation and strong historical track record.

Become an investor today.

Get exclusive access to private credit investments the Percent way.