Sign In Sign Up

Private credit. Simplified.

Join thousands of investors who have funded over $1 billion in deals on Percent. Start your journey in private credit investments today.

  • Potential for up to 20% annualized returns.
  • Diversification through an asset that can be less tied to public market fluctuations.
  • Timelines that fit your investment horizons with deals maturing from 6-36 months.

New Investor Bonus: Earn up to $500 after making your first investment*

Sign Up For Free
$500 Minimum
Investment
9.7 months Average Term
Close Date: In 3 Days 96% Funded
17.94% Current Weighted
Average APY
woman smiling looking at her phone

Unlock Value with Private Credit

Private credit is an alternative asset class that may offer higher yields and shorter duration investments that are largely uncorrelated to the stock market. That’s why institutional investors are increasingly allocating to the $3.14 trillion sector.

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

For Accredited Investors: Percent is an investment platform exclusively for accredited investors. To explore our offerings, you must meet specific income or net worth thresholds established by regulators. Learn more about accredited investor statusAll investments involve risk, including the loss of principal. Private credit investments carry specific risks. Review offering documents carefully before investing. 

Survey Says: Investment Strategies Are Shifting Towards Private Credit

A Bloomberg survey reveals that many institutions now prefer private credit over bonds to hedge against economic downturns.

Why? T. Rowe Price data suggests that allocating 10% to private credit historically reduces volatility and improves risk-adjusted returns.

But this ‘safe-haven’ asset class isn’t just for Blackstone, KKR, and Morgan Stanley-now, everyday investors can diversify with private credit using Percent.

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.

Investments matching your time horizon.

Private credit can be a short- or long-term strategy. Potentially earn 12$+ APY with investments that can mature in as little as three months 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.

Deals on Percent’s marketplace generally offer monthly income potential. These investments generate passive income throughout the lifetime of the deal.

a hand waving

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 leading platform focused on bringing private credit to both accredited and institutional investors.

View Available Deals

Recently Launched

Carloha

Other APY 16.00% - 18.00% Amount $1.8M Term 6 Months Close Date 9/27/2024 View Deal

Bareburger

Other APY 16.00% - 18.00% Amount $1M Term 24 months Close Date 9/30/2024 View Deal

Nexi

Other APY 16.00% - 18.00% Amount $3.4M Term 12 Months Close Date 9/30/2024 View Deal

TB Fund I LLC

Other APY 20.00% Amount $150K Term 36 Months Close Date 10/08/2024 View Deal

Wall Street Funding

Other APY 15.00% - 18.00% Amount $7.7M Term 9 Months Close Date 10/09/2024 View Deal

smartBeemo

Other APY 16.00% - 18.00% Amount $745K Term 9 Months Close Date 9/18/2024 View Deal

LVL Technology Holding

Other APY 20.00% - 22.00% Amount $650K Term 15 Months Close Date 9/24/2024 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

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. 

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 or loan portfolios.

Learn More

Potentially Competitive Yields

Private credit deals often feature higher rates from borrowers who need liquidity.

Growing

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

Income-Generating

Asset-based offer the potential for regular income.

Historically Resilient

Private credit deals have historically exhibited lower correlation to traditional markets.

Become an investor today.

Discover curated private credit investment opportunities with Percent.