Percent gives investors access to private credit investments, a multi-trillion-dollar asset class. Learn all about this asset class and what it means for your portfolio.
Private credit is an asset class of privately negotiated loans and debt financing from non-bank lenders. This includes small business and consumer loans, venture debt, and other forms of private debt.
Small businesses, startups, and individuals seek private credit when they cannot access public credit markets.
Investors often consider private credit as a complement to traditional options like stocks and bonds. Here's why:
Deals on Percent typically have a maturity of around nine months.
Private credit can offer different yield potentials compared to traditional bonds, often associated with the distinct risk profiles of non-bank lending. It’s important to understand that these yields reflect the unique risks and characteristics of private credit compared to more traditional fixed-income investments.
Major changes in the stock market generally do not directly affect private credit investments, leading many investors to use it for portfolio diversification.
Private credit investments are complex investments only available to accredited investors and are subject to default risk.
At Percent, we strive to make private credit investments more accessible, backed by thorough due diligence on borrower operations, financials, underwriting practices (of third-party underwriters), and loan portfolios.
Our goal is to design structures that thoughtfully address the risks involved in a marketplace that’s accessible to more accredited investors than ever before.
Consider the role of private credit in your diversified portfolio. It offers a different investment experience with its own set of features and potential returns, distinct from traditional avenues.
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