The private credit marketplace for accredited investors.
Browse, diligence, and invest in short-duration private credit deals, starting at $500. Every deal comes with full borrower documentation, a live order book, and real price discovery through Dutch auction. A $3.5 trillion asset class. Percent is your entry point.
*ABS net returns reflect the trailing twelve months ending March 31, 2026, after losses. Past performance is not indicative of future results.
For illustrative purposes only. Create a free account to view live offerings.
Lending that happens outside of banks and public markets.
A $3.5 trillion asset class, according to Morgan Stanley, once accessible only with institutional minimums. That’s changing.
A company needs capital — but not equity.
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.
Private credit fills the gap.
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.
It’s a $3 trillion market — and still growing.
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.
Until recently, individual investors couldn’t participate.
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.
Global private credit AUM
$ trillions, AUM forecast through 2029
Private credit, starting at $500.
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.
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 institutional products sold to a retail audience. The structures were built for pension funds and endowments, not individuals who need flexibility. That’s not Percent.
Percent’s niche is asset-based lender finance. In an ABF deal, the loan goes to a specialty lender — and the collateral isn’t the borrower’s operating success. It’s the diversified pool of receivables they already hold on their books. Thousands of underlying loans. Overcollateralized. Bankruptcy-remote. You invest directly into individual deals, typically with structural diversification built in. Over 84% of Percent’s issuance is asset-based finance.
Eight years. One discipline.
Asset-based securities are the core of Percent — eight years of transparent issuance.
*Stats reflect performance as of March 31, 2026. Past performance is not indicative of future results.
Percent’s marketplace has been facilitating investments in private credit since 2018. In 2023, Percent Securities became a registered Broker-Dealer to further streamline and enhance investor access to private credit. This page provides transparent data on the performance of the Percent Marketplace, showcasing deals facilitated prior to and following our Broker-Dealer registration.
Private credit belongs in the credit sleeve of a portfolio. Against fixed-income benchmarks, the numbers aren’t close.
Percent ABS vs. other asset classes
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.
From browse to reinvest, in five steps.
Browse
Filter by deal type, coupon range, minimum, and term. See the borrower, the structure, and the collateral before you commit a dollar.
Review
Percent publishes complete offering documents, not fund-level summaries. You know exactly what you’re buying before you bid.
Invest
Most deals start at $500. A Dutch auction sets the price based on actual investor demand, not back-room negotiation.
Earn
Receive interest on a schedule tied to your deal. Most deals pay monthly or at maturity. Track everything in your portfolio dashboard.
Reinvest
When deals mature, choose to reinvest, withdraw, or list positions on the secondary market before maturity.
Secondary market transactions are subject to availability and counterparty matching; liquidity is not guaranteed.
We finance the lenders banks have left behind.
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.
SMB Working Capital
Loans to small-business financing companies (e.g. working-capital lenders, equipment financiers) backed by diversified pools of thousands of underlying business loans.
Merchant Cash Advance
Funding for MCA platforms that advance capital to small businesses, repaid through a fixed percentage of daily card sales. Short-duration, self-amortizing receivables.
Trade Finance
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.
Royalty-Backed
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.
Consumer Receivables
Pools of consumer loans — earned-wage access, point-of-sale lending, healthcare patient finance — diversified across thousands of underlying borrowers.
Build it yourself, ride a managed theme, or hand us the mandate.
Direct Investing
Build your own portfolio, deal by deal. Browse every live offering, run your own diligence, and fund the deals you want directly. Maximum control. Self-directed, no advisory fee.
*Coupon ranges are indicative based on weighted historical issuance. Each deal is offered separately on percent.com — terms vary by borrower and structure. Past performance is not indicative of future results.
Percent Blended Notes
A single note that spreads exposure across multiple ABS deals — with a new theme each month. Monthly distributions. Single 1099-INT, no K-1.
**Blended Notes net return range is indicative based on historical themes. Returns reflect coupon income after the 1% annual advisory fee and 10% of coupon fee on underlying deals, net of losses. Individual theme results will vary. Managed by Percent Advisors. Past performance is not indicative of future results.
Separately Managed Accounts
Institutional-grade private credit portfolios curated to your mandate. Bespoke risk, term, and concentration limits. Three model strategies starting from $50,000, or a fully customized build from $250,000. Percent sources, structures, allocates, and monitors. You set the parameters. White-label option available for RIAs and wealth managers.
Is Percent right for you?
Percent’s investment products are available to accredited investors — a regulatory classification based on income, net worth, or a professional license. Here’s how to know if that’s you.
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.
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.
← BackDo you hold a Series 7, 65, or 82 license?
Certain FINRA credentials qualify you as an accredited investor regardless of income or net worth.
← BackYou 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.
↺ Re-take the checkPercent 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.
↺ Re-take the checkThis 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 →
A $3.5 trillion asset class. Your seat at the table starts at $500.
Create a free account to browse every deal on Percent — current and historical. No funding required to look.