Private credit. Simplified.

Join thousands of investors who have funded over $2 billion in deals on Percent. Start your journey in private credit investing today.

• Institutional-grade private credit, now available to accredited investors from $500
• Diversification through an asset that can be less tied to public market fluctuations.
• Timelines that fit your investment horizons with deals maturing from 6-36 months.

Private credit belongs in the credit sleeve of a portfolio. Against fixed-income benchmarks, the numbers aren’t close.

Benchmark comparison

Percent ABS vs. other asset classes

Twelve months ending March 31, 2026

Source: Benchmark returns: S&P 500, Bloomberg US Corporate High Yield, Morningstar LSTA US Leveraged Loan, S&P Investment Grade Corporate Bond indices. LTM ending 3/31/26. Percent figure reflects ABS net returns after losses only; see disclaimer.

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.

01

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. Public bond markets require high minimums and extensive disclosure. And for many borrowers, banks have pulled back — post-Basel III regulations pushed them away from whole categories of lending.

02

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: loan size, interest rate, collateral, duration. The borrower gets flexible capital; the lender earns interest over the life of the deal.

03

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. On track for $5 trillion by 2029.

Global private credit AUM

$ trillions, AUM forecast through 2029

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. No black boxes. Short durations. No institutional minimums required.

Our thesis · ABS lender finance

SMB Working Capital
Loans to small-business financing companies (e.g. working-capital lenders, equipment financiers) backed by diversified pools of thousands of underlying business loans.
Merchant Cash Advance
Funding for MCA platforms that advance capital to small businesses, repaid through a fixed percentage of daily card sales.
Trade Finance
Working capital advanced against unpaid invoices, purchase orders, and cross-border supply-chain receivables.
Royalty-Backed
Including newer asset classes like music royalty cash flows, where contractual rights to streaming and licensing revenue back the note.
Consumer Receivables
Pools of consumer loans — earned-wage access, point-of-sale lending, healthcare patient finance — diversified across thousands of underlying borrowers.

Become an investor today.

Access private credit investments previously reserved for institutions.

Percent is the leading platform focused on bringing private credit to both accredited and institutional investors.

WHAT OUR INVESTORS ARE SAYING

"When we opened our account with Percent, we didn't know how much we would be investing on the platform. We have been very pleased with the opportunities and returns offered and have increased our investments on Percent this year."
— Tom L., Investor since 2021

"Percent fits my investing strategy perfectly. Not only can I diversify my portfolio with a shorter duration alternative investment like private credit, I can further diversify across multiple asset classes."
— Drew M., Investor since 2019

"With Percent, I am now able to access and select from multiple deals (many with only a $500 minimum) which were previously only obtainable by investment banks or private equity firms."
— Jason E., CPA & Certified Fraud Specialist, Investor since 2021

A diverse, multi-trillion-dollar asset class

Private credit transactions include debt financing and privately negotiated loans. Borrowers include small businesses and startups without access to the public markets. Private transactions finance their operations and growth, and are often backed by assets or loan portfolios.

Often Asset-Based

Many deals syndicated on Percent's marketplace are secured by real assets or loan portfolios.

Transparency at every turn.

With our proprietary technology, see and compare available deals upfront. Access comprehensive borrower, deal, and market data. Then, track performance and use surveillance reports to keep informed at every step.