Private credit · For accredited investors

Private credit. Built for investors who expect more.

Short-duration, high-yield private credit deals — starting at $500. See exactly what you own. A market that's moved $2 trillion a year, now accessible without institutional minimums.

$2B+Deployed
1,000+Deals Completed
60,000+Investors
See how it works ↓

SMB Note PC-2044

13.25%

Target coupon· 9 mo

Historical weighted avg

~17%

*Past performance not indicative of future results

Minimum

$500

Duration · 6–24 mo

What is private credit?

Lending that happens outside of banks and public markets.

A $2 trillion asset class built on direct lending — once gated behind institutional minimums, now accessible from $500.

Capital flow

Borrower
Specialty lender needs capital
↓
Percent
Structure · diligence · transparency
↓
You
Accredited investor, $500+

Step 01

Banks aren't the only ones who lend money.

When a company needs capital — to fund their loan book, finance inventory, or expand operations — they have options beyond traditional banks. Private credit is one of them.

Step 02

Private credit is lending outside banks and public markets.

Think of it as direct lending: investors provide capital to borrowers, who pay interest over time. No stock market. No public bond issuance. A $2 trillion market — on track for $5 trillion by 2029.

Step 03

It used to be only for the biggest institutions.

Historically, private credit was reserved for university endowments, pension funds, and family offices — $500K+ minimums, 10-year lock-ups. Not anymore.

Step 04

Percent opens private credit to accredited investors — from $500.

See individual deals. Review the collateral. Set your own allocation. No black boxes. No waiting years to see your money again. Short durations, with a secondary market for pre-maturity liquidity.

Not the private credit in the headlines

Not all private credit is the same.

When you read about private credit in the news — gated redemptions, lock-ups, opacity — you're reading about large corporate direct lending products that were sold to retail investors who weren't the right fit. Long durations. Concentrated single-company bets. No real exit. That's not Percent.

Over 84% of Percent's volume is asset-backed securities — lending to specialty finance companies backed by diversified pools of thousands of underlying loans. Short durations. Deal-level transparency. A secondary market. Structures built for individual investors from the start.

Big-Bank Private Credit

The stuff in the headlines
Long lock-ups — 5 to 10 years
Gated redemptions
Mark-to-model pricing
Commingled funds — no deal visibility
$500K+ minimums

Percent

Built for individual investors
6–24 month deal durations
Secondary market available
Dutch auction price discovery
Deal-level transparency — every borrower, every structure
Starting at $500
How it works

From browse to reinvest, in five steps.

No black boxes. You see the deal, the structure, and the collateral before you commit a dollar.

01 · Browse

Explore open deals.

Filter by deal type, coupon range, minimum, and term. See the borrower, the structure, and the collateral before you commit a dollar.

02 · Review

Read the full package.

Percent publishes complete offering documents — not fund-level summaries. You know exactly what you're buying before you bid.

03 · Invest

Bid into the auction.

Most deals start at $500. A Dutch auction sets the deal price based on actual investor demand — not back-room negotiation.

04 · Earn

Collect interest.

Receive interest on a schedule tied to your deal. Most deals pay monthly or at maturity. Track everything in your portfolio dashboard.

05 · Reinvest

Or exit early.

When deals mature, choose to reinvest or withdraw — or buy and sell positions on the secondary market before maturity.

What you can invest in

Six categories. Hundreds of deals a year.

Asset-backed lending to specialty finance companies — diversified by sector, geography, and duration.

Most active

SMB Financing

Short-term capital for small businesses. One of the most active categories on Percent.

Coupon*
12–18%
Term
9–23 mo
Min
$500+

Payroll & Earned Wage

Financing earned wage advance platforms — workers access pay early; lenders replenish the float.

Coupon*
11–12%
Term
9 mo
Min
$500

Invoice Factoring

Companies sell outstanding invoices at a discount for immediate cash. Asset-backed by verified receivables.

Coupon*
14–15.5%
Term
9 mo
Min
$500
Higher coupon

Healthcare Receivables

Backed by medical billing receivables. One of Percent's highest-coupon categories.

Coupon*
17–18%
Term
24 mo
Min
$20K

Trade Finance

Short-term capital for wholesale trade transactions. Global exposure across U.S., UAE, and UK.

Coupon*
11–13%
Term
9 mo
Min
$500
New theme every month

Percent Blended Notes

One investment. Diversified exposure across a curated pool of deals. A new themed Blended Note launches each month — managed by Percent Advisors, with monthly payments and 1099-INT tax treatment (no K-1).This month: Asset-Based · Est. coupon ~12.54%*
Typical min
$2,500
Typical term
12–36 mo
Payments
Monthly
Over $2 billion deployed across 1,000+ deals since 2018. Historical weighted average coupon: ~17%.
*Coupons shown are typical historical ranges and estimates. Past performance is not indicative of future results. Returns vary by deal and are not guaranteed.
Eight years of platform history

Built on a track record of completed deals — not promises.

$0B+
Deployed since 2018
Capital deployed across the platform.
0+
Completed deals
Every deal published, priced and settled on-platform.
0+
Investors
Accredited investors active on the platform.
~0%
Historical weighted avg coupon*
*Past performance not indicative of future results.

Eight years of platform history. FINRA-registered broker-dealer through Cadence Securities LLC. 140+ borrower programs globally, across SMB finance, consumer credit, trade finance, invoice factoring, healthcare receivables, and more.

Eligibility check

Is Percent right for you?

Percent's investment products are available to accredited investors — a regulatory classification based on income or net worth. Here's how to know if that's you.

1Income
2Net worth
3License

Does your annual income exceed $200,000?

Or $300,000 combined with a spouse or partner — for each of the past two years, with the same expected this year.

Yes, it doesNot quite

Is your net worth over $1 million?

Excluding the value of your primary home. You can count it individually or jointly with a spouse or partner.

Yes, it isNot quite
← Back

Do you hold a Series 7, 65, or 82 license?

Certain FINRA credentials qualify you as an accredited investor regardless of income or net worth.

YesNo
← Back
You qualify

You meet the criteria. Percent's marketplace is open to you.

Create a free account to explore every deal on the platform — current and historical. No funding required to look. Fund your account when you're ready to invest.

Create your free account →See how it works first
Re-take the check
Not quite yet

Percent isn't the right fit right now.

Our current products require accredited investor status under SEC regulations — it's a legal requirement, not a platform choice. If your situation changes, or if you'd like to hear when we launch products for a broader audience, leave your email.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Re-take the check
This eligibility check is informational only and does not constitute legal advice or a guarantee of accreditation. Percent verifies accredited status at account opening. Learn more about the SEC's accredited investor definition.

Private credit. Starting at $500.

Create a free account to explore every deal on Percent — current and historical. Fund your account when you're ready to invest.

Create your free accountSee how it works

Percent is available to accredited investors only. Investing involves risk, including potential loss of principal. Past performance is not indicative of future results. Securities offered through Cadence Securities LLC, member FINRA and SIPC.