The Percent Advantage: Lender Finance vs. Credit Funds | Percent

Raising capital shouldn't mean locking your business into rigid covenants, hidden fees, or opaque terms.

For too long, specialty finance originators have had to settle for slow, expensive capital from traditional credit funds. Percent is changing the equation. We offer a technology-driven approach to lender finance that prioritizes speed, transparency, and long-term alignment.

Download The Percent Advantage to explore a side-by-side comparison of a Percent facility versus a typical credit fund structure. See exactly how our marketplace model lowers your cost of execution and puts you back in control of your growth.

What You’ll Learn:

• Speed to Close: How Percent can move from initial meeting to funding in 6–8 weeks, compared to the 90–120 day industry standard.

• Fee Transparency: Why we charge $0 in prepayment fees, non-utilization fees, and back-end kickers—costs that are standard with most credit funds.

• Borrower-Friendly Terms: How our reporting-driven covenants focus on transparency and performance, avoiding the "over-engineered" triggers that restrict your operations.

• Real-Time Visibility: Learn how our platform gives you full insight into investor interest and syndication progress, ensuring you aren't left in the dark during your raise.

Get the full comparison guide to see why growing fintechs choose Percent.

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