Before you invest on Percent, it is important to research investment opportunities to ensure they are appropriate for your risk tolerance and investment strategy.
To invest in an offering on Percent, navigate to the Offerings page and click on any offering which is currently funding. After reviewing the offering details, you can request an investment and set a minimum APY in the Investment Request box.
For more information, the following video walks you through the complete step-by-step investment process:
The former Dutch Auction process has been replaced by investment requests that are accepted throughout the funding period.
How Investments Work
When you invest on Percent, you can set both a requested investment amount and a minimum investment amount. Your requested investment amount will be filled as best as possible, but there may be times of excess demand where this will not be possible. In this case, the minimum investment request can be used to ensure an investment is made at an acceptable amount.

This process gives investors an increased likelihood of participating in an offering and lessens the risk of being completely closed out if the offering is oversubscribed. It also reduces the need for investors to invest as soon as a deal is launched, which means not having to wait for email alerts. You can invest at any time until funding closes.
Please be advised that in times of excess demand, setting a higher minimum APY or higher minimum investment amount could increase the chances of your investment being excluded from a deal.
What Happens if the Offering is Oversubscribed or the Minimum APY is Not Met?
Investors who select a minimum APY higher than the final APY will have their investment request refunded and will not participate in the offering. However, you have the opportunity to adjust your investment request by editing your minimum APY selection to be on the lower end of the range to maximize your chances of participating in the offering before the funding close date.
The final offering size and APY depends not only on investor demand but also what the borrower is able and willing to take while ensuring there is sufficient collateral to support their offering. If there is a need to downsize the offering, Percent will adjust investors’ investment requests down accordingly based on their minimum and maximum requests.
Learn more about oversubscribed offerings.
How Do I Maximize My Chance of Getting Into An Offering?
For a greater chance of receiving an allocation in an offering, set a lower minimum APY and leave the minimum investment amount untouched. This will help ensure you receive an allocation irrespective of the final APY.
How Do I Adjust a Current Allocation?
To adjust your minimum APY, simply log into your Percent account, navigate to the Offering page, and use the investment form to edit your existing investment request.
Have thoughts or questions about Percent’s investment process? Please reach out to our Customer Success team. They are always here to help.
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