The private credit marketplace for accredited investors. 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 ↓ View Disclosures

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.

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.

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.

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.

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 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

• 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

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

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

05 · Reinvest

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%.

Eight years of platform history

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

$-7B+ Deployed since 2018
Capital deployed across the platform.

-3710+ Completed deals
Every deal published, priced and settled on-platform.

-222,597+ Investors
Accredited investors active on the platform.

~-63% Historical weighted avg coupon*

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.

1. Income
2. Net worth
3. License

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.

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.

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.

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.