Private Credit Investing for Accredited Investors | Percent

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.

Investment Highlights

Current Deals

SMB Working Capital · Series 044

Trade Finance · Series 028

Consumer Receivables · 011

Note: For illustrative purposes only. Create a free account to view live offerings.

What is private credit?

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.

1. 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.

2. 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.

3. 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.

4. Until recently, individual investors couldn’t participate.

Pension funds, endowments, and sovereign wealth funds came in with high minimums, leaving individual accredited investors without access.

Enter Percent.

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.

Not all private credit is the same.

The differences matter.

When you read about private credit in the news — gated redemptions, lock-ups, opacity — you’re often reading about institutional products sold to a retail audience.

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 operational success. It’s a diversified pool of receivables they already hold on their books.

Track record

Eight years. One discipline.

Asset-based securities are the core of Percent.

How it works

From browse to reinvest, in five steps.

  1. Browse: Explore open deals. Filter by deal type, coupon range, minimum, and term.
  2. Review: Read the full package with complete offering documents.
  3. Invest: Bid into the auction starting at $500.
  4. Earn: Collect interest on a schedule tied to your deal.
  5. Reinvest: Choose to reinvest, withdraw, or list positions on the secondary market.

Our thesis · ABS lender finance

We finance the lenders banks have left behind.

Specialty lenders need capital to scale; Percent finances these lenders against their own performing receivables.

Three ways to invest

Build it yourself, ride a managed theme, or hand us the mandate.

Direct Investing

Percent Blended Notes

Separately Managed Accounts

Eligibility check

Is Percent right for you?

Percent’s investment products are available to accredited investors. Criteria include:

  1. Income: Exceeds $200,000 for the past two years?
  2. Net worth: Over $1 million?
  3. License: Do you hold a Series 7, 65, or 82 license?

You qualify

Create a free account to explore every deal on Percent — current and historical. No funding required to look.

A $3.5 trillion asset class. Your seat at the table starts at $500.