
Percent
Earn up to 20% APY in as little as 1 month with a low minimum of just $500 to get started.
Highlights
4.5% - 12%
Asset Class Return•1Y
#0 Rank
In Lending•30d

Invest from
$500
Get up to $500 when you make your first investment today.
Overview
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. These investments were once exclusive to institutional investors.
Our proprietary technology gives investors access to a wealth of market data on every company and every deal. Compare deals before you invest and track their performance after they close right on the Percent platform.
Things to Know
You make money on
Interest
Fees
0%
Min Investment
$500
Payout frequency
Varies
Term of investment
1-36 months
Target Return
10% - 20%
Liquidity
Hard
Open to
Accredited Only
Mobile Application
No
Top Perks
The ability to earn returns that can be independent from public market performance
Earn competitive yields on fixed-term investments as short as one month or as long as several years
Exposure across a variety of asset classes and geographies
How you make money
Private credit investment yields set interest on your principal investment over a set duration. These durations can range from one month to three years, with rates generally ranging from 10 to 15%.
How Percent makes money
Percent charges originators a fee, and may also charge investors a management fee or a servicing fee for certain transactions.
Is it safe?
Percent was founded in 2018 and since then has raised $18.5 million in funding over three rounds, most recently closing a $12.5 million Series A in April of 2021.
All investments carry some risk, and returns of capital (and/or interest) are never guaranteed on Percent. This means that a deal can default, which could lead to the partial or total loss of not just interest accrued, but one’s principal investment. For this, Percent considers their investments high risk. It is worth noting the platform currently has only a 1.65% historical default rate.
Established
2018
Country Available
US Only
Assets Managed
n/a
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