Institutional-grade portfolios. Curated to your mandate. Built on Percent.
Request a MeetingSophisticated investors have long faced a tradeoff in private credit: the operational drag of sourcing and managing direct deals versus the opacity and lack of control inherent in commingled funds.
Percent SMAs resolve this dilemma. We’ve engineered an institutional-grade solution that offers a flexible middle ground—a portfolio that can be constructed and managed exclusively for you, without the operational burden. It’s your strategy, powered by our infrastructure.
For Accredited Investors: Percent is an investment platform exclusively for accredited investors and institutions. To invest in our offerings, you must meet specific income or net worth thresholds established by regulators. Learn more about accredited investor status. SMAs are designed for allocations $50k+. Custom SMAs available at $250k+.
Access to select private deals on Percent’s platform that align with the mandate – whether its a model portfolio or custom tailored to your preferences.
Percent acts as investment advisor to source, diligence, allocate, service, and optimize within your parameters—no operational burden for you.
Many underlying structures distribute monthly. Build a steady income stream while your portfolio compounds.
User-friendly dashboard with position-level visibility, surveillance reporting, and performance metrics for every deal in your portfolio.
1% annual management fee plus 10% servicing fee on coupon*—aligned with our other managed products and designed to be more efficient than traditional alternative managers.
SMA clients receive allocation priority in oversubscribed deals versus self-directed accounts.
How it works
Pick a professionally designed model portfolio or tailor a custom mandate with a dedicated account manager.
Start with professionally designed strategies optimized for different risk profiles. Streamlined, low-touch entry to private credit with predefined guardrails.
Work directly with a dedicated account manager to build a fully bespoke portfolio. Start from our model portfolios and customize geographic focus, seniority preferences, concentration limits, and specific borrower selections.
1. Initial Consultation
Discuss your objectives and determine whether model portfolios or a custom mandate is the best fit.
2. Account Structuring
Formalize your SMA with straightforward documentation, reporting preferences, and investment parameters.
3. Portfolio Construction
We deploy capital into deals that match your selected strategy and secure allocations per your mandate.
4. Active Management
Ongoing servicing, monitoring, and transparent reporting with periodic reviews to maintain alignment.
Individual HNW Investors & Family Offices
For those seeking passive, yet controlled, exposure to private credit. Ideal for investors looking to make a significant, dedicated allocation without the operational complexity.
Registered Investment Advisors (RIAs) & Wealth Managers
Expand your alternatives offering seamlessly. White-label capabilities allow you to provide clients with a custom-branded private credit solution, with full back-office support handled by Percent.
Our market leadership is built on a foundation of proprietary technology and rigorous underwriting, allowing us to structure and manage a diverse range of private credit opportunities. See Percent’s full performance.
Model portfolios are available from $50,000 to $250,000. Custom mandates with dedicated account management begin at $250,000.
Self-directed investors analyze and allocate deal by deal. With an SMA, Percent manages sourcing, allocation, servicing, and monitoring within your pre-set parameters while providing full transparency.
Model portfolios offer three pre-designed strategies. Custom mandates allow full personalization of investment criteria, concentration limits, and borrower preferences with dedicated support.
Private credit investments are generally illiquid and intended for investors who can hold to term. Distribution timing and reinvestment cadence depend on the investment strategy and underlying deal terms.
Percent charges a 1% annual management fee on assets under management, plus a 10% servicing fee on coupon payments, the same structure as our other managed products like bespoke blended notes.
SMAs are available to qualified, accredited investors and institutions. Additional requirements may apply.
Yes. RIAs and wealth managers can deliver custom-named solutions while Percent provides portfolio construction, servicing, and reporting.