Percent

Private credit has historically been the domain of institutional allocators with the scale to negotiate directly with borrowers and absorb illiquidity. Percent was founded in 2018 to change that equation for accredited investors, including family offices seeking yield outside public markets. The platform operates as a marketplace connecting investors directly with corporate borrowers across a range of short-duration private debt instruments, with deal terms typically running six to thirty-six months.

The platform is structured around three operational layers: an investor-facing marketplace, a technology infrastructure arm (Percent Technologies) that serves financial institutions with deal origination and syndication tools, and Percent Financial, which handles servicing, compliance, and fund administration. Percent Securities, LLC, a FINRA and SIPC member broker-dealer, acts as placement agent for private placements on the platform. Since inception, the platform has facilitated over $2 billion in transaction volume.

For investment teams evaluating private credit exposure, Percent offers:

• Asset-based securities, secured corporate loans, and diversified blended notes with coupons ranging from approximately 12% to 20%
• Minimum investments as low as $500, with deal-by-deal selection or syndication participation
• Real-time portfolio monitoring, surveillance reports, and borrower-level due diligence data
• A secondary market for positions, with indication-of-interest functionality
• Dedicated investor relations support via phone and email

The platform is restricted to accredited investors and is primarily US-focused, with limited international deal geography noted (Mexico payroll advances appear as an outlier). Pricing is not publicly disclosed beyond a fee structure applied to interest earned on direct investments. Family offices seeking full institutional-grade deal documentation or co-investment structures outside the platform's standardized format may find the offering constrained. Those looking for a self-directed, yield-oriented private credit allocation with low minimums and transparent deal data will find it well-suited to that purpose.

• Accessing private credit investment opportunities across asset-based and corporate loan structures
• Portfolio diversification into short-duration, yield-generating alternative debt instruments
• Monitoring and tracking private credit holdings with real-time performance data
• Participating in deal syndication with customizable yield and investment amount parameters
• Secondary market trading of existing private credit positions

• Investor marketplace for private credit deals with deal-by-deal selection
• Blended Notes product for broad diversification across multiple deals
• Dutch Auction mechanism for market-clearing price discovery on offerings
• Secondary market with indication-of-interest functionality
• Real-time portfolio monitoring and surveillance reports
• Comprehensive borrower and deal due diligence data
• Percent Technologies PaaS and SaaS tools for institutional deal origination and syndication
• Percent Financial fund administration with KYC/AML compliance, ACH/wire processing, and investor statements
• Automated distribution and payment processing across investment lifecycle
• Dedicated investor relations via phone and email

Built for Single Family Office (SFO), Multi Family Office (MFO), Investment Teams, Private Wealth Owners / Principals.

Dedicated investor relations team available via phone and email, Monday to Friday 9:30am-5:30pm ET