{"id":5526,"date":"2022-06-21T18:16:00","date_gmt":"2022-06-21T18:16:00","guid":{"rendered":"https:\/\/moneymade.wpenginepowered.com\/?p=5526"},"modified":"2025-05-29T18:26:33","modified_gmt":"2025-05-29T18:26:33","slug":"percent-review","status":"publish","type":"post","link":"https:\/\/moneymade.io\/learn\/reviews\/percent-review\/","title":{"rendered":"Percent Review: No Fee Alternative Investments"},"content":{"rendered":"\n<p><strong><em>Here\u2019s everything you need to know about investing with Percent, the no-fee alternative investment platform.<\/em><\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"299\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216.png\" alt=\"\" class=\"wp-image-5537\" style=\"width:722px;height:auto\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216.png 450w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216-300x199.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216-387x257.png 387w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216-256x170.png 256w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n<\/div>\n\n\n\n<p>It\u2019s no secret that alternative investments are an easy way to diversify your portfolio and insulate yourself against market trends.&nbsp;<\/p>\n\n\n\n<p>However, many alternative investments require large amounts of capital, making them inaccessible to many individual investors. Fortunately, platforms like Percent (formerly known as Cadence) make alternative investments such as short-term private credit lending available to accredited investors.&nbsp;<\/p>\n\n\n\n<p>Through Percent, investors get access to unique high-yield investment opportunities that span across several industries and can generate passive income.<\/p>\n\n\n\n<p>But how does Percent work?&nbsp;<\/p>\n\n\n\n<p>What are the costs, pros and cons, the potential returns, and how does it compare to other online investment platforms?&nbsp;<\/p>\n\n\n\n<p>In this detailed Percent review, we will walk you through what it offers, how to get started, its annual returns, and much more.<\/p>\n\n\n\n<h2 id='borrow-our-cheat-sheet' class=\"wp-block-heading\" id=\"h-borrow-our-cheat-sheet\">Borrow our cheat sheet<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"33\" height=\"33\" class=\"wp-image-3677\" style=\"width: 33px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png 33w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 33px) 100vw, 33px\" \/> <strong>Fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"44\" height=\"44\" class=\"wp-image-3678\" style=\"width: 44px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png 44w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 44px) 100vw, 44px\" \/><strong> Minimum to invest<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zero<\/td><td class=\"has-text-align-center\" data-align=\"center\">$500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"38\" height=\"38\" class=\"wp-image-3679\" style=\"width: 38px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png 38w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 38px) 100vw, 38px\" \/><strong> Returns<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"31\" height=\"31\" class=\"wp-image-3680\" style=\"width: 31px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png 31w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 31px) 100vw, 31px\" \/> <strong>Risk<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Medium<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img loading=\"lazy\" decoding=\"async\" width=\"28\" height=\"28\" class=\"wp-image-3762\" style=\"width: 28px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-12.06.55\u202fPM-Edited.png\" alt=\"\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-12.06.55\u202fPM-Edited.png 28w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-12.06.55\u202fPM-Edited-15x15.png 15w\" sizes=\"auto, (max-width: 28px) 100vw, 28px\" \/> <strong>Bonus offer<\/strong><br>Get up to $500 when you make your first investment today.<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='pros-and-cons-of-percent' class=\"wp-block-heading\" id=\"h-pros-and-cons-of-percent\">Pros and cons of Percent<\/h2>\n\n\n\n<div class=\"acf-block\">\n  <div class=\"pro-con\">\n    <div class=\"pro-con__half\">\n      <div class=\"pro-con__title\">\n                  <svg width=\"20\" height=\"22\" viewBox=\"0 0 20 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M18.3 9.35008C17.9676 9.00064 17.5672 8.72282 17.1236 8.53367C16.6799 8.34451 16.2023 8.24801 15.72 8.25008H14.06V8.20008C14.2 7.71008 14.33 7.20008 14.43 6.83008C14.7413 5.73795 14.8062 4.59033 14.62 3.47008C14.5091 2.74612 14.2243 2.05984 13.79 1.47008C13.3779 0.936521 12.8015 0.553474 12.15 0.380078C11.9569 0.332798 11.7588 0.30929 11.56 0.310078H11.44C11.1748 0.326457 10.916 0.39798 10.68 0.520078C10.2294 0.785815 9.89417 1.21017 9.74 1.71008V1.80008V1.91008L9.62 2.00008V2.17008L9.43 2.82008L9.33 3.16008L8.93 4.58008C8.90665 4.66566 8.87655 4.74925 8.84 4.83008C8.39 5.53008 7.91 6.24008 7.43 6.96008L6.56 8.25008H3.25C2.58696 8.25008 1.95107 8.51347 1.48223 8.98231C1.01339 9.45115 0.75 10.087 0.75 10.7501V18.7501C0.75 19.4131 1.01339 20.049 1.48223 20.5178C1.95107 20.9867 2.58696 21.2501 3.25 21.2501H5.25C5.87515 21.2502 6.47651 21.0104 6.93 20.5801C8.05 20.8301 9.29 21.0901 10.3 21.3001L11.7 21.5901L11.94 21.6501C12.1112 21.6891 12.285 21.7159 12.46 21.7301C12.6198 21.74 12.7802 21.74 12.94 21.7301C14.0439 21.7287 15.1163 21.3621 15.99 20.6874C16.8638 20.0127 17.4896 19.0678 17.77 18.0001C18.18 16.3801 19.04 13.0001 19.05 13.0001C19.1498 12.6508 19.2134 12.2923 19.24 11.9301C19.2653 11.4589 19.1951 10.9874 19.0336 10.544C18.872 10.1007 18.6225 9.69455 18.3 9.35008ZM12.94 19.7601H12.67H12.56L12.09 19.6701L10.71 19.3901L7.71 18.7501V10.0801C8.14 9.41008 8.59 8.74008 9.04 8.08008C9.49 7.42008 10 6.67008 10.47 6.00008C10.627 5.75053 10.7418 5.47688 10.81 5.19008L11.22 3.77008L11.33 3.38008L11.5 2.78008L11.56 2.55008V2.45008V2.40008C11.5571 2.37015 11.5571 2.34001 11.56 2.31008C11.7805 2.36033 11.9735 2.49262 12.1 2.68008C12.3391 3.03066 12.4963 3.43052 12.56 3.85008C12.6869 4.69246 12.6289 5.55236 12.39 6.37008C12.21 7.07008 11.67 9.01008 11.67 9.01008C11.6282 9.15765 11.6208 9.31287 11.6486 9.46373C11.6763 9.61459 11.7384 9.75705 11.83 9.88008C11.9242 10.0037 12.0435 10.1059 12.18 10.1801C12.322 10.2427 12.4749 10.2767 12.63 10.2801H15.63C15.8377 10.274 16.0444 10.3115 16.2368 10.3901C16.4292 10.4686 16.603 10.5866 16.7471 10.7363C16.8911 10.886 17.0023 11.0643 17.0734 11.2595C17.1445 11.4548 17.174 11.6627 17.16 11.8701C17.1341 12.0899 17.0906 12.3072 17.03 12.5201C17.03 12.5201 16.16 15.9101 15.74 17.5201C15.5767 18.1452 15.216 18.7008 14.7115 19.1044C14.207 19.508 13.5857 19.738 12.94 19.7601ZM2.75 10.7601C2.74717 10.6937 2.75817 10.6274 2.78229 10.5654C2.80642 10.5035 2.84315 10.4472 2.89015 10.4002C2.93716 10.3532 2.99342 10.3165 3.05536 10.2924C3.1173 10.2682 3.18358 10.2572 3.25 10.2601H5.75V18.7601C5.75283 18.8265 5.74183 18.8928 5.71771 18.9547C5.69358 19.0167 5.65685 19.0729 5.60985 19.1199C5.56284 19.1669 5.50658 19.2037 5.44464 19.2278C5.3827 19.2519 5.31642 19.2629 5.25 19.2601H3.25C3.18358 19.2629 3.1173 19.2519 3.05536 19.2278C2.99342 19.2037 2.93716 19.1669 2.89015 19.1199C2.84315 19.0729 2.80642 19.0167 2.78229 18.9547C2.75817 18.8928 2.74717 18.8265 2.75 18.7601V10.7601Z\" fill=\"#14AEA5\"\/>\n<\/svg>\n\n                  <h4>Pros<\/h4>\n              <\/div>\n      <div class=\"pro-con__content\">\n        <div class=\"ProsCons_Pros__m4eEk\">\n<div class=\"ProsCons_Pros__m4eEk\">\n<div>\n<ul>\n<li>Good liquidity with a focus on short-term investments<\/li>\n<li>Minimum investment of only $500<\/li>\n<li>Alternative investments typically have a low correlation with the stock market<\/li>\n<li>Diversification across sectors and industries<\/li>\n<li>No fees<\/li>\n<li>A syndication process allows investors to have a say in the APY of their investment through a Dutch auction.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"pro-con__half\">\n      <div class=\"pro-con__title\">\n                  <svg width=\"20\" height=\"22\" viewBox=\"0 0 20 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M18.3 12.6499C17.9676 12.9994 17.5672 13.2772 17.1236 13.4663C16.6799 13.6555 16.2023 13.752 15.72 13.7499H14.06V13.7999C14.2 14.2899 14.33 14.7999 14.43 15.1699C14.7413 16.262 14.8062 17.4097 14.62 18.5299C14.5091 19.2539 14.2243 19.9402 13.79 20.5299C13.3779 21.0635 12.8015 21.4465 12.15 21.6199C11.9569 21.6672 11.7588 21.6907 11.56 21.6899H11.44C11.1748 21.6735 10.916 21.602 10.68 21.4799C10.2294 21.2142 9.89417 20.7898 9.74 20.2899V20.1999V20.0899L9.62 19.9999V19.8299L9.43 19.1799L9.33 18.8399L8.93 17.4199C8.90665 17.3343 8.87655 17.2507 8.84 17.1699C8.39 16.4699 7.91 15.7599 7.43 15.0399L6.56 13.7499H3.25C2.58696 13.7499 1.95107 13.4865 1.48223 13.0177C1.01339 12.5488 0.75 11.913 0.75 11.2499V3.24992C0.75 2.58688 1.01339 1.951 1.48223 1.48215C1.95107 1.01331 2.58696 0.749922 3.25 0.749922H5.25C5.87515 0.749792 6.47651 0.989618 6.93 1.41992C8.05 1.16992 9.29 0.909922 10.3 0.699923L11.7 0.409922L11.94 0.349922C12.1112 0.31085 12.285 0.284115 12.46 0.269922C12.6198 0.259991 12.7802 0.259991 12.94 0.269922C14.0439 0.271252 15.1163 0.637867 15.99 1.31259C16.8638 1.98732 17.4896 2.93222 17.77 3.99992C18.18 5.61992 19.04 8.99992 19.05 8.99992C19.1498 9.34915 19.2134 9.7077 19.24 10.0699C19.2653 10.5411 19.1951 11.0126 19.0336 11.456C18.872 11.8993 18.6225 12.3055 18.3 12.6499ZM12.94 2.23992H12.67H12.56L12.09 2.32992L10.71 2.60992L7.71 3.24992V11.9199C8.14 12.5899 8.59 13.2599 9.04 13.9199C9.49 14.5799 10 15.3299 10.47 15.9999C10.627 16.2495 10.7418 16.5231 10.81 16.8099L11.22 18.2299L11.33 18.6199L11.5 19.2199L11.56 19.4499V19.5499V19.5999C11.5571 19.6299 11.5571 19.66 11.56 19.6899C11.7805 19.6397 11.9735 19.5074 12.1 19.3199C12.3391 18.9693 12.4963 18.5695 12.56 18.1499C12.6869 17.3075 12.6289 16.4476 12.39 15.6299C12.21 14.9299 11.67 12.9899 11.67 12.9899C11.6282 12.8423 11.6208 12.6871 11.6486 12.5363C11.6763 12.3854 11.7384 12.243 11.83 12.1199C11.9242 11.9963 12.0435 11.8941 12.18 11.8199C12.322 11.7573 12.4749 11.7233 12.63 11.7199H15.63C15.8377 11.726 16.0444 11.6885 16.2368 11.6099C16.4292 11.5314 16.603 11.4134 16.7471 11.2637C16.8911 11.114 17.0023 10.9357 17.0734 10.7405C17.1445 10.5452 17.174 10.3373 17.16 10.1299C17.1341 9.91014 17.0906 9.69277 17.03 9.47992C17.03 9.47992 16.16 6.08992 15.74 4.47992C15.5767 3.85483 15.216 3.29916 14.7115 2.89556C14.207 2.49197 13.5857 2.26202 12.94 2.23992ZM2.75 11.2399C2.74717 11.3063 2.75817 11.3726 2.78229 11.4346C2.80642 11.4965 2.84315 11.5528 2.89015 11.5998C2.93716 11.6468 2.99342 11.6835 3.05536 11.7076C3.1173 11.7318 3.18358 11.7428 3.25 11.7399H5.75V3.23992C5.75283 3.17351 5.74183 3.10723 5.71771 3.04528C5.69358 2.98334 5.65685 2.92708 5.60985 2.88008C5.56284 2.83307 5.50658 2.79634 5.44464 2.77221C5.3827 2.74809 5.31642 2.73709 5.25 2.73992H3.25C3.18358 2.73709 3.1173 2.74809 3.05536 2.77221C2.99342 2.79634 2.93716 2.83307 2.89015 2.88008C2.84315 2.92708 2.80642 2.98334 2.78229 3.04528C2.75817 3.10723 2.74717 3.17351 2.75 3.23992V11.2399Z\" fill=\"#ED2348\"\/>\n<\/svg>\n\n                 <h4>Cons<\/h4>\n              <\/div>\n      <div class=\"pro-con__content\">\n        <div class=\"ProsCons_Cons___wyv4\">\n<div>\n<ul>\n<li>Only available to accredited investors<\/li>\n<li>No mobile app to track your investments on the go<\/li>\n<\/ul>\n<\/div>\n<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<h2 id='what-is-percent' class=\"wp-block-heading\" id=\"whatIs\">What is Percent?<\/h2>\n\n\n\n<p>Founded in 2018 and headquartered in New York, Percent (formerly Cadence) is a digital investment platform providing investors with short-term debt investment opportunities. Percent differentiates itself by offering opportunities that have traditionally been reserved for institutional investors.<\/p>\n\n\n\n<p>These opportunities center around high-yielding debt supported by cash-generating assets. This helps Percent provide competitive earnings while granting access to a variety of sectors and industries.<\/p>\n\n\n\n<p>Percent provides all of this at no cost to the investor. Instead, the platform\u2019s partner originators incur the costs, allowing investors to take advantage of multiple investments.&nbsp;<\/p>\n\n\n\n<p>Investors start earning through interest accrued on their investments. Once the investment has reached maturity or a note is called, investors have the option of re-investing their earnings into new opportunities.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"693\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-1024x693.png\" alt=\"\" class=\"wp-image-5551\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-1024x693.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-300x203.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-768x520.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-380x257.png 380w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-251x170.png 251w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217.png 1098w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How does Percent work?<\/strong><\/h3>\n\n\n\n<p>Percent partners with reputable originators like Wall Street Funding, Pollen VC, and Arctos Capital to deliver unique investment opportunities to accredited investors.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Sign and up and search for an opportunity&nbsp;<\/strong><\/h3>\n\n\n\n<p>Investors sign up to the Percent platform and gain access to a library of different available investment opportunities. Investors can search through the different opportunities and decide if they want to invest. Each investment opportunity provides details on the originator, the minimum investment amount, APY, and investment term.&nbsp;<\/p>\n\n\n\n<p>Each investment opportunity also has an investment objective (how much money is required to fully fund the investment) and the opportunity remains open until it is fully funded or closed.&nbsp;<\/p>\n\n\n\n<p>Once the investment opportunity is fully funded, it will start generating interest for investors. If a deal fails to reach its investment objective, it is closed.&nbsp;<\/p>\n\n\n\n<p>In order to determine the APY of the note, Percent holds a\u00a0Dutch auction. A Dutch auction is similar to a regular auction however, the seller intentionally sets a high opening price expecting that the price will lower until there are enough bids to cover the entire offer. Percent uses this strategy as a way to \u201cidentify the level of demand that exists at different price points.\u201d\u00a0<\/p>\n\n\n\n<p>When the opportunity reaches maturity or a note is called, Percent deposits the principal and interest into your account. You then have the option to withdraw your money to an external account or to reinvest into a new Percent deal.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Who can invest with Percent?<\/strong><\/h3>\n\n\n\n<p>Currently, because Percent investment offerings are Reg D 506B exempt, Percent investors are required to be accredited, with U.S. bank accounts, to participate. However, the platform is hoping to open up to a wider investor base in the longer term. There are a number of ways you can establish an accredited investor status, two common ways include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must have earned income that exceeds $200,000 in the previous two years ($300,000 for joint income) or,<\/li>\n\n\n\n<li>You must have a net worth of over $1 million (excluding the value of your primary residence).\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Percent is also a self-accredited platform which means you have to indicate that you are accredited before you can participate on the site.<\/p>\n\n\n\n<h2 id='where-percent-gets-it-right' class=\"wp-block-heading\" id=\"whereGetsItRight\">Where Percent gets it right<\/h2>\n\n\n\n<p><strong>No fees<\/strong><\/p>\n\n\n\n<p>Currently, there are no fees for investors to invest on the Percent platform. However, there are fees associated with the Percent Prime platform. You can learn more about the Percent Prime platform&nbsp;<a href=\"https:\/\/percent.com\/blog\/what-is-percent-prime\/\" target=\"_blank\" rel=\"noreferrer noopener\">here&nbsp;<\/a>but basically, you will need a higher minimum investment to participate and your investments will be tied up for longer durations.&nbsp;<\/p>\n\n\n\n<p><strong>Short-term investments<\/strong><\/p>\n\n\n\n<p>Many alternative investment opportunities like REIT investing require that you\u2019re invested for the long-term. With Percent, you can be in and out of a deal in as little as one month.&nbsp;<\/p>\n\n\n\n<p><strong>Low minimum investment&nbsp;<\/strong><\/p>\n\n\n\n<p>The minimum investment for Percent&#8217;s short term note program is only $500. This is a relatively low minimum investment in the alternative investment space.<\/p>\n\n\n\n<h2 id='where-percent-could-do-better' class=\"wp-block-heading\" id=\"whereCouldDoBetter\">Where Percent could do better<\/h2>\n\n\n\n<p><strong>Accredited Investors Only&nbsp;<\/strong><\/p>\n\n\n\n<p>Currently, Percent only accepts accredited investors. This means you have to have a high annual income ($200,000 over the last two years) or a high net worth ($1 million excluding your primary residence) in order to participate. However, the goal is to provide more opportunities that reach a wider base of investors.&nbsp;<\/p>\n\n\n\n<p><strong>Relatively short history<\/strong><\/p>\n\n\n\n<p>Percent was incorporated in 2018 and didn\u2019t launch publicly until 2019. While the company is making a good name for itself, it lacks long-term history. This could be a deterrent for investors who want to see a longer history of results.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>No mobile app<\/strong><\/p>\n\n\n\n<p>If you enjoy checking your investment while on the go, then you may be disappointed with Percent\u2019s lack of a mobile app.<\/p>\n\n\n\n<h2 id='can-you-really-make-money-on-percent' class=\"wp-block-heading\" id=\"canYouReallyMakeMoneyOn\">Can you really make money on Percent?<\/h2>\n\n\n\n<p>Yes, it is possible to make money on Percent. In fact, Percent suggests that you can make over 10% targeted annualized returns. According to Monthly Market Update, the average APY has stayed steady at 12% month over month (from Q1 2020 to July 2021).\u00a0<\/p>\n\n\n\n<p>According to Percent&#8217;s historical performance metrics, its historical APY on matured deals sits at 12.33% and its current APY for outstanding deals is 14.71%. Percent has funded over 272 deals and has seen over $452 million in total investments.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-1024x683.png\" alt=\"\" class=\"wp-image-5552\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-1024x683.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-300x200.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-768x512.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-386x257.png 386w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-255x170.png 255w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-make-money-with-percent\"><strong>How do I make money with Percent?<\/strong><\/h3>\n\n\n\n<p>Once a Percent opportunity is fully funded, it will begin to generate interest for investors like you. So, you make money through the accrued interest that is earned passively on your initial investment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How do I cash out with Percent?<\/strong><\/h3>\n\n\n\n<p>When your investment reaches maturity, the principal and yield of your investment will be transferred back to your Percent account. You will see this amount reflected in your account balance. At this point, you can decide if you want to transfer the funds out or reinvest the money in a new Percent opportunity.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Percent vs traditional investing&nbsp;<\/strong><\/h3>\n\n\n\n<p>Including alternative investments like those found on Percents\u2019 platform into your portfolio can help to provide diversification. Because many alternate investments aren\u2019t correlated with the stock market, it can also be a good way to hedge against losses in your portfolio.&nbsp;<\/p>\n\n\n\n<p>While Percent investments are not as liquid as investing in the stock market, they also don\u2019t require the long-term investment horizon of other alternative investments like REITs.&nbsp;<\/p>\n\n\n\n<p>Even though Percent offers a minimum investment of $500 that is very reasonable for the private credit space, this is still a much higher barrier to entry than is required to enter the stock market. With online brokerages, it\u2019s possible to start investing with traditional investments for a matter of dollars.<\/p>\n\n\n\n<p>Since there is risk associated with non-bank lending, Percent investors are offered interest rates that will likely be more attractive than investments like traditional bonds. According to Percent\u2019s most recently posted monthly market updates, the average APY has stayed steady at 12% month over month (from Q1 2020 to July 2021). Long-term government bonds yield returns between\u00a05% and 6%.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"693\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-1024x693.png\" alt=\"\" class=\"wp-image-5553\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-1024x693.png 1024w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-300x203.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-768x520.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-380x257.png 380w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-251x170.png 251w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219.png 1098w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='what-other-people-are-saying-about-percent' class=\"wp-block-heading\" id=\"h-what-other-people-are-saying-about-percent\">What other people are saying about Percent<\/h2>\n\n\n\n<p>There isn\u2019t much chatter about Percent on social media. This could be in part because Percent has only been Percent since early 2021. Before this, the company was known as Cadence and was only incorporated in 2018 and then went public in 2019. Nelson Chu, the founder and CEO said regarding the\u00a0name change, \u201cAs the company evolved and our broader vision changed, the ties that bound us to the name Cadence became few and far between.\u201d\u00a0<\/p>\n\n\n\n<p>Not only did the company rebrand in early 2021, but it also raised $12.5 million in Series A funding.&nbsp;&nbsp;<\/p>\n\n\n\n<p>There was one complaint on Trustpilot from a customer who was disappointed with Percent\u2019s verification process and the associated customer support received. However, this is one complaint so there is no theme of customers having trouble with the verification process.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"818\" height=\"343\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220.png\" alt=\"\" class=\"wp-image-5554\" srcset=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220.png 818w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220-300x126.png 300w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220-768x322.png 768w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220-431x181.png 431w, https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220-286x120.png 286w\" sizes=\"auto, (max-width: 818px) 100vw, 818px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<h2 id='are-there-other-apps-like-percent' class=\"wp-block-heading\" id=\"h-are-there-other-apps-like-percent\">Are there other apps like Percent?<\/h2>\n\n\n\n<p>Other investment platforms that allow you to earn passive interest income include&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/yieldstreet\" target=\"_blank\" rel=\"noreferrer noopener\">Yieldstreet<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/worthy\" target=\"_blank\" rel=\"noreferrer noopener\">Worthy<\/a>.&nbsp;<\/p>\n\n\n\n<p>Like Percent, Yieldstreet is focused on providing alternative investment opportunities to everyday investors that have traditionally only been available to institutional investors. Percent and Yieldstreet also offer a similar annual return rate (12% with Percent and 12.44% for Yieldstreet).&nbsp;<\/p>\n\n\n\n<p>The two platforms also differ in a number of areas. For instance, Percent does not charge investors a fee whereas Yieldstreet collects an average 1-2% management fee from investors annually. Unlike Percent, Yieldstreet allows unaccredited investors to participate with Yieldstreet\u2019s Prism Fund.<\/p>\n\n\n\n<p>&nbsp;Worthy creates and sells SEC-qualified bonds that are used to invest in American businesses. Bonds earn investors 5% interest. There is a similar sentiment between Percent and Worthy in that they both want to open up private lending opportunities to the everyday investor.&nbsp;<\/p>\n\n\n\n<p>Worthy might do a better job of this as they offer a much lower minimum investment at $10 versus $500 at Percent. Similar to Percent, Worthy does not charge investors any fees. Worthy also has a strong social investment aspect as the investments go into helping growing U.S. businesses. With Worthy, you can expect a 5% interest return. On average, Percent offers an annual return rate of 12%.<\/p>\n\n\n\n<p>You can use MoneyMade to check out these competing investment platforms along with 160+ other&nbsp;<a href=\"https:\/\/moneymade.io\/discover\" target=\"_blank\" rel=\"noreferrer noopener\">investment platforms<\/a>.<\/p>\n\n\n\n<h2 id='our-hot-take-on-percent' class=\"wp-block-heading\" id=\"ourHotTakeOn\">Our hot take on Percent<\/h2>\n\n\n\n<p>With short-term offerings, a low minimum investment, and the potential to make 10% or more in annualized returns, Percent makes an attractive passive investment opportunity. If you\u2019re looking for an alternative investment opportunity to help balance your current portfolio, it&#8217;s worth taking a look at what Percent has to offer. Other alternative investments like REIT investing can tie up your money for years and usually require more than a $500 minimum investment. Percent is available for those who want something more short-term and affordable.&nbsp;<\/p>\n\n\n\n<p>However, while Percent\u2019s minimum investment might make it more accessible to some, remember that Percent investment opportunities are currently only open to accredited investors. So this does limit who can participate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"howDoISignUpFor\">I\u2019m in! How do I sign up for Percent?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1.&nbsp;Join MoneyMade (for free).<\/h4>\n\n\n\n<p>Sign up for a MoneyMade account so you can track and manage all of your online investments in one convenient place.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2.&nbsp;Sign up for a Percent account.<\/h4>\n\n\n\n<p>Before you can start investing with Percent you will need to sign up for a Percent account. Simply go to Percent\u2019s home page and click on the blue \u201cSign Up\u201d button on the top right hand of the screen. You will be asked to enter your name and confirm that you are an accredited investor. You will also have to select what type of investor you will be investing as (eg. individual, institution).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3.&nbsp;Verify your identity.<\/h4>\n\n\n\n<p>Before you can invest, you will have to confirm your identity. This entails inputting some personal information including a photo of yourself, so you will need a state ID or passport to verify your identity.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4.&nbsp;Verify your accreditation status.<\/h4>\n\n\n\n<p>The next step is to verify your accreditation status. Remember that only accredited investors can invest with Percent. This involves completing several KYC (know your customer) checks.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5.&nbsp;Fund your account.<\/h4>\n\n\n\n<p>Now it\u2019s time to fund your Percent account. You have a few options here. You can choose to submit a wire transfer or ACH (Automated Clearing House). A wire transfer will typically clear on the same or following day. An ACH transfer can take up to 5 calendar days.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">6.&nbsp;Start investing.<\/h4>\n\n\n\n<p>Once your funds have cleared you will be able to see your balance in your Percent account. At this point, you\u2019re ready to start investing.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">7.&nbsp;Withdraw funds or reinvest.<\/h4>\n\n\n\n<p>Once your deal reaches maturity, Percent will credit the principal amount and interest to your account. At this point you can decide if you want to withdraw the money to an external account or, you can decide to find another Percent opportunity and reinvest.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">8.&nbsp;Return to MoneyMade to track all of your investments in one place.<\/h4>\n\n\n\n<p>Don\u2019t forget to come back to MoneyMade to track your Percent investments, along with all of your other investments.<\/p>\n\n\n\n  <div id=\"accordion\" class=\"accordion-wrap accordion-wrap--inline-content\">\n    <div class=\"outer-container\">\n                <h3 class=\"accordion__main-title\">FAQs<\/h3>\n                           \n          <div class=\"accordion-tab \">\n                          <h4 class=\"accordion-title\">Is Percent investments legit?<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 8L6 14L7.41 15.41L12 10.83L16.59 15.41L18 14L12 8Z\" fill=\"#0A0028\"\/>\n<\/svg>\n<\/h4>\n                          <div class=\"accordion-content\">\n                <div class=\"accordion-content-text\">\n                  <p>Yes, Percent is a legitimate digital investment platform providing investors with short-term debt investment opportunities. Percent was formerly known as Cadence is headquartered in New York City and was incorporated in 2018. The company did not launch publicly until 2019. Today, Percent has funded 272 deals with a total of $452.48 million invested.<\/p>\n                <\/div>\n              <\/div>\n                      <\/div>\n                 \n          <div class=\"accordion-tab \">\n                          <h4 class=\"accordion-title\">How does Percent make money?<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 8L6 14L7.41 15.41L12 10.83L16.59 15.41L18 14L12 8Z\" fill=\"#0A0028\"\/>\n<\/svg>\n<\/h4>\n                          <div class=\"accordion-content\">\n                <div class=\"accordion-content-text\">\n                  <div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<p class=\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \">Percent does not charge investors any fees. It makes money by charging originators an annual 1% fee. Percent also offers a Percent Prime program in which investors are charged a 1% annual servicing fee that is taken off of their interest payment at each distribution.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n                <\/div>\n              <\/div>\n                      <\/div>\n                 \n          <div class=\"accordion-tab \">\n                          <h4 class=\"accordion-title\">How can a non-accredited investor invest?<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M12 8L6 14L7.41 15.41L12 10.83L16.59 15.41L18 14L12 8Z\" fill=\"#0A0028\"\/>\n<\/svg>\n<\/h4>\n                          <div class=\"accordion-content\">\n                <div class=\"accordion-content-text\">\n                  <div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<div class=\"FaqBlock_FaqBlock__DS2Fl\">\n<section class=\"mu-container Container-module_Container__p2WRR FaqBlock_Container__GGTHp\">\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\n<p class=\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \">At this time non-accredited investors can not invest with Percent. Percent only accepts accredited investors in the U.S. with U.S. bank accounts. The platform is hoping to open up to a wider investor base in the longer term. To be classified as an accredited investor, you must have earned income that exceeds $200,000 in the previous two years ($300,000 for joint income) or, you must have a net worth of over $1 million (excluding the value of your primary residence).<\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n                <\/div>\n              <\/div>\n                      <\/div>\n            <\/div>\n  <\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n        \"@type\": \"Question\",\n        \"name\": \"Is Percent investments legit?\",\n        \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"<p>Yes, Percent is a legitimate digital investment platform providing investors with short-term debt investment opportunities. Percent was formerly known as Cadence is headquartered in New York City and was incorporated in 2018. The company did not launch publicly until 2019. Today, Percent has funded 272 deals with a total of $452.48 million invested.<\/p>\\n\"\n        }\n    },\n    {\n        \"@type\": \"Question\",\n        \"name\": \"How does Percent make money?\",\n        \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<p class=\\\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \\\">Percent does not charge investors any fees. It makes money by charging originators an annual 1% fee. Percent also offers a Percent Prime program in which investors are charged a 1% annual servicing fee that is taken off of their interest payment at each distribution.<\/p>\\n<\/div>\\n<\/div>\\n<\/div>\\n<\/div>\\n\"\n        }\n    },\n    {\n        \"@type\": \"Question\",\n        \"name\": \"How can a non-accredited investor invest?\",\n        \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<div class=\\\"FaqBlock_FaqBlock__DS2Fl\\\">\\n<section class=\\\"mu-container Container-module_Container__p2WRR FaqBlock_Container__GGTHp\\\">\\n<div class=\\\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\\\">\\n<p class=\\\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \\\">At this time non-accredited investors can not invest with Percent. Percent only accepts accredited investors in the U.S. with U.S. bank accounts. The platform is hoping to open up to a wider investor base in the longer term. To be classified as an accredited investor, you must have earned income that exceeds $200,000 in the previous two years ($300,000 for joint income) or, you must have a net worth of over $1 million (excluding the value of your primary residence).<\/p>\\n<\/div>\\n<\/section>\\n<\/div>\\n<\/div>\\n<\/div>\\n<\/div>\\n\"\n        }\n    }\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s everything you need to know about investing with Percent, the no-fee alternative investment platform. It\u2019s no secret that alternative investments are an easy way to diversify your portfolio and insulate yourself against market trends.&nbsp; However, many alternative investments require large amounts of capital, making them inaccessible to many individual investors. Fortunately, platforms like Percent [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":5537,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[5],"tags":[75,77,44,146],"post_authors":[141],"class_list":["post-5526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-accredited-investor","tag-alternative-investing","tag-lending","tag-short-term-investing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Percent Review: No Fee Alternative Investments | MoneyMade<\/title>\n<meta name=\"description\" content=\"Here\u2019s everything you need to know about investing with Percent, the no-fee alternative investment platform.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneymade.io\/learn\/reviews\/percent-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Percent Review: No Fee Alternative Investments\" \/>\n<meta property=\"og:description\" content=\"Here\u2019s everything you need to know about investing with Percent, the no-fee alternative investment platform.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/moneymade.io\/learn\/reviews\/percent-review\/\" \/>\n<meta property=\"og:site_name\" content=\"MoneyMade\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-21T18:16:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-29T18:26:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216.png\" \/>\n\t<meta property=\"og:image:width\" 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platform.<\/em><\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/spacer","attrs":{"height":"40px"},"innerBlocks":[],"innerHTML":"\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","innerContent":["\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"80%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":5537,"width":"722px","height":"auto","sizeSlug":"full","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-full is-resized\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216.png\" alt=\"\" class=\"wp-image-5537\" style=\"width:722px;height:auto\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-full is-resized\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-216.png\" alt=\"\" class=\"wp-image-5537\" style=\"width:722px;height:auto\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:80%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:80%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>It\u2019s no secret that alternative investments are an easy way to diversify your portfolio and insulate yourself against market trends.&nbsp;<\/p>\n","innerContent":["\n<p>It\u2019s no secret that alternative investments are an easy way to diversify your portfolio and insulate yourself against market trends.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>However, many alternative investments require large amounts of capital, making them inaccessible to many individual investors. Fortunately, platforms like Percent (formerly known as Cadence) make alternative investments such as short-term private credit lending available to accredited investors.&nbsp;<\/p>\n","innerContent":["\n<p>However, many alternative investments require large amounts of capital, making them inaccessible to many individual investors. Fortunately, platforms like Percent (formerly known as Cadence) make alternative investments such as short-term private credit lending available to accredited investors.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Through Percent, investors get access to unique high-yield investment opportunities that span across several industries and can generate passive income.<\/p>\n","innerContent":["\n<p>Through Percent, investors get access to unique high-yield investment opportunities that span across several industries and can generate passive income.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>But how does Percent work?&nbsp;<\/p>\n","innerContent":["\n<p>But how does Percent work?&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>What are the costs, pros and cons, the potential returns, and how does it compare to other online investment platforms?&nbsp;<\/p>\n","innerContent":["\n<p>What are the costs, pros and cons, the potential returns, and how does it compare to other online investment platforms?&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In this detailed Percent review, we will walk you through what it offers, how to get started, its annual returns, and much more.<\/p>\n","innerContent":["\n<p>In this detailed Percent review, we will walk you through what it offers, how to get started, its annual returns, and much more.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-borrow-our-cheat-sheet\">Borrow our cheat sheet<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-borrow-our-cheat-sheet\">Borrow our cheat sheet<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/table","attrs":[],"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3677\" style=\"width: 33px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png\" alt=\"\"> <strong>Fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3678\" style=\"width: 44px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png\" alt=\"\"><strong> Minimum to invest<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zero<\/td><td class=\"has-text-align-center\" data-align=\"center\">$500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3679\" style=\"width: 38px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png\" alt=\"\"><strong> Returns<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3680\" style=\"width: 31px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png\" alt=\"\"> <strong>Risk<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Medium<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3762\" style=\"width: 28px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-12.06.55\u202fPM-Edited.png\" alt=\"\"> <strong>Bonus offer<\/strong><br>Get up to $500 when you make your first investment today.<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tbody><\/table><\/figure>\n","innerContent":["\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3677\" style=\"width: 33px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.30.51\u202fAM-e1748356420835-Edited.png\" alt=\"\"> <strong>Fees<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3678\" style=\"width: 44px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.39\u202fAM-Edited.png\" alt=\"\"><strong> Minimum to invest<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Zero<\/td><td class=\"has-text-align-center\" data-align=\"center\">$500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3679\" style=\"width: 38px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.31.47\u202fAM-Edited.png\" alt=\"\"><strong> Returns<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3680\" style=\"width: 31px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-10.32.01\u202fAM-e1748356491960-Edited.png\" alt=\"\"> <strong>Risk<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Medium<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><img class=\"wp-image-3762\" style=\"width: 28px;\" src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-27-at-12.06.55\u202fPM-Edited.png\" alt=\"\"> <strong>Bonus offer<\/strong><br>Get up to $500 when you make your first investment today.<\/td><td class=\"has-text-align-center\" data-align=\"center\"><\/td><\/tr><\/tbody><\/table><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-percent\">Pros and cons of Percent<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-percent\">Pros and cons of Percent<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"acf\/pro-con","attrs":{"name":"acf\/pro-con","data":{"pro_icon":"","_pro_icon":"field_652d6dd6b35e4","pro_title":"Pros","_pro_title":"field_652d6df3b35e5","pro_content":"<div class=\"ProsCons_Pros__m4eEk\">\r\n<div class=\"ProsCons_Pros__m4eEk\">\r\n<div>\r\n<ul>\r\n \t<li>Good liquidity with a focus on short-term investments<\/li>\r\n \t<li>Minimum investment of only $500<\/li>\r\n \t<li>Alternative investments typically have a low correlation with the stock market<\/li>\r\n \t<li>Diversification across sectors and industries<\/li>\r\n \t<li>No fees<\/li>\r\n \t<li>A syndication process allows investors to have a say in the APY of their investment through a Dutch auction.<\/li>\r\n<\/ul>\r\n<\/div>\r\n<\/div>\r\n<\/div>","_pro_content":"field_652d6e03b35e6","con_icon":"","_con_icon":"field_652d6e0eb35e7","con_title":"Cons","_con_title":"field_652d6e19b35e8","con_content":"<div class=\"ProsCons_Cons___wyv4\">\r\n<div>\r\n<ul>\r\n \t<li>Only available to accredited investors<\/li>\r\n \t<li>No mobile app to track your investments on the go<\/li>\r\n<\/ul>\r\n<\/div>\r\n<\/div>","_con_content":"field_652d6e20b35e9"},"mode":"edit"},"innerBlocks":[],"innerHTML":"","innerContent":[]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"whatIs\">What is Percent?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"whatIs\">What is Percent?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Founded in 2018 and headquartered in New York, Percent (formerly Cadence) is a digital investment platform providing investors with short-term debt investment opportunities. Percent differentiates itself by offering opportunities that have traditionally been reserved for institutional investors.<\/p>\n","innerContent":["\n<p>Founded in 2018 and headquartered in New York, Percent (formerly Cadence) is a digital investment platform providing investors with short-term debt investment opportunities. Percent differentiates itself by offering opportunities that have traditionally been reserved for institutional investors.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>These opportunities center around high-yielding debt supported by cash-generating assets. This helps Percent provide competitive earnings while granting access to a variety of sectors and industries.<\/p>\n","innerContent":["\n<p>These opportunities center around high-yielding debt supported by cash-generating assets. This helps Percent provide competitive earnings while granting access to a variety of sectors and industries.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Percent provides all of this at no cost to the investor. Instead, the platform\u2019s partner originators incur the costs, allowing investors to take advantage of multiple investments.&nbsp;<\/p>\n","innerContent":["\n<p>Percent provides all of this at no cost to the investor. Instead, the platform\u2019s partner originators incur the costs, allowing investors to take advantage of multiple investments.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Investors start earning through interest accrued on their investments. Once the investment has reached maturity or a note is called, investors have the option of re-investing their earnings into new opportunities.<\/p>\n","innerContent":["\n<p>Investors start earning through interest accrued on their investments. Once the investment has reached maturity or a note is called, investors have the option of re-investing their earnings into new opportunities.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":5551,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-1024x693.png\" alt=\"\" class=\"wp-image-5551\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-217-1024x693.png\" alt=\"\" class=\"wp-image-5551\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>How does Percent work?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>How does Percent work?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Percent partners with reputable originators like Wall Street Funding, Pollen VC, and Arctos Capital to deliver unique investment opportunities to accredited investors.&nbsp;<\/p>\n","innerContent":["\n<p>Percent partners with reputable originators like Wall Street Funding, Pollen VC, and Arctos Capital to deliver unique investment opportunities to accredited investors.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>Sign and up and search for an opportunity&nbsp;<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>Sign and up and search for an opportunity&nbsp;<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Investors sign up to the Percent platform and gain access to a library of different available investment opportunities. Investors can search through the different opportunities and decide if they want to invest. Each investment opportunity provides details on the originator, the minimum investment amount, APY, and investment term.&nbsp;<\/p>\n","innerContent":["\n<p>Investors sign up to the Percent platform and gain access to a library of different available investment opportunities. Investors can search through the different opportunities and decide if they want to invest. Each investment opportunity provides details on the originator, the minimum investment amount, APY, and investment term.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Each investment opportunity also has an investment objective (how much money is required to fully fund the investment) and the opportunity remains open until it is fully funded or closed.&nbsp;<\/p>\n","innerContent":["\n<p>Each investment opportunity also has an investment objective (how much money is required to fully fund the investment) and the opportunity remains open until it is fully funded or closed.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Once the investment opportunity is fully funded, it will start generating interest for investors. If a deal fails to reach its investment objective, it is closed.&nbsp;<\/p>\n","innerContent":["\n<p>Once the investment opportunity is fully funded, it will start generating interest for investors. If a deal fails to reach its investment objective, it is closed.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In order to determine the APY of the note, Percent holds a\u00a0Dutch auction. A Dutch auction is similar to a regular auction however, the seller intentionally sets a high opening price expecting that the price will lower until there are enough bids to cover the entire offer. Percent uses this strategy as a way to \u201cidentify the level of demand that exists at different price points.\u201d\u00a0<\/p>\n","innerContent":["\n<p>In order to determine the APY of the note, Percent holds a\u00a0Dutch auction. A Dutch auction is similar to a regular auction however, the seller intentionally sets a high opening price expecting that the price will lower until there are enough bids to cover the entire offer. Percent uses this strategy as a way to \u201cidentify the level of demand that exists at different price points.\u201d\u00a0<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>When the opportunity reaches maturity or a note is called, Percent deposits the principal and interest into your account. You then have the option to withdraw your money to an external account or to reinvest into a new Percent deal.&nbsp;<\/p>\n","innerContent":["\n<p>When the opportunity reaches maturity or a note is called, Percent deposits the principal and interest into your account. You then have the option to withdraw your money to an external account or to reinvest into a new Percent deal.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>Who can invest with Percent?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>Who can invest with Percent?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Currently, because Percent investment offerings are Reg D 506B exempt, Percent investors are required to be accredited, with U.S. bank accounts, to participate. However, the platform is hoping to open up to a wider investor base in the longer term. There are a number of ways you can establish an accredited investor status, two common ways include:<\/p>\n","innerContent":["\n<p>Currently, because Percent investment offerings are Reg D 506B exempt, Percent investors are required to be accredited, with U.S. bank accounts, to participate. However, the platform is hoping to open up to a wider investor base in the longer term. There are a number of ways you can establish an accredited investor status, two common ways include:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":[],"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>You must have earned income that exceeds $200,000 in the previous two years ($300,000 for joint income) or,<\/li>\n","innerContent":["\n<li>You must have earned income that exceeds $200,000 in the previous two years ($300,000 for joint income) or,<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>You must have a net worth of over $1 million (excluding the value of your primary residence).\u00a0<\/li>\n","innerContent":["\n<li>You must have a net worth of over $1 million (excluding the value of your primary residence).\u00a0<\/li>\n"]}],"innerHTML":"\n<ul class=\"wp-block-list\">\n\n<\/ul>\n","innerContent":["\n<ul class=\"wp-block-list\">",null,"\n\n",null,"<\/ul>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Percent is also a self-accredited platform which means you have to indicate that you are accredited before you can participate on the site.<\/p>\n","innerContent":["\n<p>Percent is also a self-accredited platform which means you have to indicate that you are accredited before you can participate on the site.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"whereGetsItRight\">Where Percent gets it right<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"whereGetsItRight\">Where Percent gets it right<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>No fees<\/strong><\/p>\n","innerContent":["\n<p><strong>No fees<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Currently, there are no fees for investors to invest on the Percent platform. However, there are fees associated with the Percent Prime platform. You can learn more about the Percent Prime platform&nbsp;<a href=\"https:\/\/percent.com\/blog\/what-is-percent-prime\/\" target=\"_blank\" rel=\"noreferrer noopener\">here&nbsp;<\/a>but basically, you will need a higher minimum investment to participate and your investments will be tied up for longer durations.&nbsp;<\/p>\n","innerContent":["\n<p>Currently, there are no fees for investors to invest on the Percent platform. However, there are fees associated with the Percent Prime platform. You can learn more about the Percent Prime platform&nbsp;<a href=\"https:\/\/percent.com\/blog\/what-is-percent-prime\/\" target=\"_blank\" rel=\"noreferrer noopener\">here&nbsp;<\/a>but basically, you will need a higher minimum investment to participate and your investments will be tied up for longer durations.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Short-term investments<\/strong><\/p>\n","innerContent":["\n<p><strong>Short-term investments<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Many alternative investment opportunities like REIT investing require that you\u2019re invested for the long-term. With Percent, you can be in and out of a deal in as little as one month.&nbsp;<\/p>\n","innerContent":["\n<p>Many alternative investment opportunities like REIT investing require that you\u2019re invested for the long-term. With Percent, you can be in and out of a deal in as little as one month.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Low minimum investment&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Low minimum investment&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The minimum investment for Percent's short term note program is only $500. This is a relatively low minimum investment in the alternative investment space.<\/p>\n","innerContent":["\n<p>The minimum investment for Percent's short term note program is only $500. This is a relatively low minimum investment in the alternative investment space.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"whereCouldDoBetter\">Where Percent could do better<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"whereCouldDoBetter\">Where Percent could do better<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Accredited Investors Only&nbsp;<\/strong><\/p>\n","innerContent":["\n<p><strong>Accredited Investors Only&nbsp;<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Currently, Percent only accepts accredited investors. This means you have to have a high annual income ($200,000 over the last two years) or a high net worth ($1 million excluding your primary residence) in order to participate. However, the goal is to provide more opportunities that reach a wider base of investors.&nbsp;<\/p>\n","innerContent":["\n<p>Currently, Percent only accepts accredited investors. This means you have to have a high annual income ($200,000 over the last two years) or a high net worth ($1 million excluding your primary residence) in order to participate. However, the goal is to provide more opportunities that reach a wider base of investors.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Relatively short history<\/strong><\/p>\n","innerContent":["\n<p><strong>Relatively short history<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Percent was incorporated in 2018 and didn\u2019t launch publicly until 2019. While the company is making a good name for itself, it lacks long-term history. This could be a deterrent for investors who want to see a longer history of results.&nbsp;&nbsp;<\/p>\n","innerContent":["\n<p>Percent was incorporated in 2018 and didn\u2019t launch publicly until 2019. While the company is making a good name for itself, it lacks long-term history. This could be a deterrent for investors who want to see a longer history of results.&nbsp;&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>No mobile app<\/strong><\/p>\n","innerContent":["\n<p><strong>No mobile app<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>If you enjoy checking your investment while on the go, then you may be disappointed with Percent\u2019s lack of a mobile app.<\/p>\n","innerContent":["\n<p>If you enjoy checking your investment while on the go, then you may be disappointed with Percent\u2019s lack of a mobile app.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"canYouReallyMakeMoneyOn\">Can you really make money on Percent?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"canYouReallyMakeMoneyOn\">Can you really make money on Percent?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Yes, it is possible to make money on Percent. In fact, Percent suggests that you can make over 10% targeted annualized returns. According to Monthly Market Update, the average APY has stayed steady at 12% month over month (from Q1 2020 to July 2021).\u00a0<\/p>\n","innerContent":["\n<p>Yes, it is possible to make money on Percent. In fact, Percent suggests that you can make over 10% targeted annualized returns. According to Monthly Market Update, the average APY has stayed steady at 12% month over month (from Q1 2020 to July 2021).\u00a0<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>According to Percent's historical performance metrics, its historical APY on matured deals sits at 12.33% and its current APY for outstanding deals is 14.71%. Percent has funded over 272 deals and has seen over $452 million in total investments.<\/p>\n","innerContent":["\n<p>According to Percent's historical performance metrics, its historical APY on matured deals sits at 12.33% and its current APY for outstanding deals is 14.71%. Percent has funded over 272 deals and has seen over $452 million in total investments.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":5552,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-1024x683.png\" alt=\"\" class=\"wp-image-5552\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-218-1024x683.png\" alt=\"\" class=\"wp-image-5552\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-make-money-with-percent\"><strong>How do I make money with Percent?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"h-how-do-i-make-money-with-percent\"><strong>How do I make money with Percent?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Once a Percent opportunity is fully funded, it will begin to generate interest for investors like you. So, you make money through the accrued interest that is earned passively on your initial investment.<\/p>\n","innerContent":["\n<p>Once a Percent opportunity is fully funded, it will begin to generate interest for investors like you. So, you make money through the accrued interest that is earned passively on your initial investment.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>How do I cash out with Percent?<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>How do I cash out with Percent?<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>When your investment reaches maturity, the principal and yield of your investment will be transferred back to your Percent account. You will see this amount reflected in your account balance. At this point, you can decide if you want to transfer the funds out or reinvest the money in a new Percent opportunity.&nbsp;<\/p>\n","innerContent":["\n<p>When your investment reaches maturity, the principal and yield of your investment will be transferred back to your Percent account. You will see this amount reflected in your account balance. At this point, you can decide if you want to transfer the funds out or reinvest the money in a new Percent opportunity.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\"><strong>Percent vs traditional investing&nbsp;<\/strong><\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\"><strong>Percent vs traditional investing&nbsp;<\/strong><\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Including alternative investments like those found on Percents\u2019 platform into your portfolio can help to provide diversification. Because many alternate investments aren\u2019t correlated with the stock market, it can also be a good way to hedge against losses in your portfolio.&nbsp;<\/p>\n","innerContent":["\n<p>Including alternative investments like those found on Percents\u2019 platform into your portfolio can help to provide diversification. Because many alternate investments aren\u2019t correlated with the stock market, it can also be a good way to hedge against losses in your portfolio.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>While Percent investments are not as liquid as investing in the stock market, they also don\u2019t require the long-term investment horizon of other alternative investments like REITs.&nbsp;<\/p>\n","innerContent":["\n<p>While Percent investments are not as liquid as investing in the stock market, they also don\u2019t require the long-term investment horizon of other alternative investments like REITs.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Even though Percent offers a minimum investment of $500 that is very reasonable for the private credit space, this is still a much higher barrier to entry than is required to enter the stock market. With online brokerages, it\u2019s possible to start investing with traditional investments for a matter of dollars.<\/p>\n","innerContent":["\n<p>Even though Percent offers a minimum investment of $500 that is very reasonable for the private credit space, this is still a much higher barrier to entry than is required to enter the stock market. With online brokerages, it\u2019s possible to start investing with traditional investments for a matter of dollars.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Since there is risk associated with non-bank lending, Percent investors are offered interest rates that will likely be more attractive than investments like traditional bonds. According to Percent\u2019s most recently posted monthly market updates, the average APY has stayed steady at 12% month over month (from Q1 2020 to July 2021). Long-term government bonds yield returns between\u00a05% and 6%.<\/p>\n","innerContent":["\n<p>Since there is risk associated with non-bank lending, Percent investors are offered interest rates that will likely be more attractive than investments like traditional bonds. According to Percent\u2019s most recently posted monthly market updates, the average APY has stayed steady at 12% month over month (from Q1 2020 to July 2021). Long-term government bonds yield returns between\u00a05% and 6%.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":5553,"sizeSlug":"large","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-1024x693.png\" alt=\"\" class=\"wp-image-5553\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-219-1024x693.png\" alt=\"\" class=\"wp-image-5553\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-what-other-people-are-saying-about-percent\">What other people are saying about Percent<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-what-other-people-are-saying-about-percent\">What other people are saying about Percent<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>There isn\u2019t much chatter about Percent on social media. This could be in part because Percent has only been Percent since early 2021. Before this, the company was known as Cadence and was only incorporated in 2018 and then went public in 2019. Nelson Chu, the founder and CEO said regarding the\u00a0name change, \u201cAs the company evolved and our broader vision changed, the ties that bound us to the name Cadence became few and far between.\u201d\u00a0<\/p>\n","innerContent":["\n<p>There isn\u2019t much chatter about Percent on social media. This could be in part because Percent has only been Percent since early 2021. Before this, the company was known as Cadence and was only incorporated in 2018 and then went public in 2019. Nelson Chu, the founder and CEO said regarding the\u00a0name change, \u201cAs the company evolved and our broader vision changed, the ties that bound us to the name Cadence became few and far between.\u201d\u00a0<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Not only did the company rebrand in early 2021, but it also raised $12.5 million in Series A funding.&nbsp;&nbsp;<\/p>\n","innerContent":["\n<p>Not only did the company rebrand in early 2021, but it also raised $12.5 million in Series A funding.&nbsp;&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>There was one complaint on Trustpilot from a customer who was disappointed with Percent\u2019s verification process and the associated customer support received. However, this is one complaint so there is no theme of customers having trouble with the verification process.<\/p>\n","innerContent":["\n<p>There was one complaint on Trustpilot from a customer who was disappointed with Percent\u2019s verification process and the associated customer support received. However, this is one complaint so there is no theme of customers having trouble with the verification process.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"50%"},"innerBlocks":[{"blockName":"core\/image","attrs":{"id":5554,"sizeSlug":"full","linkDestination":"none"},"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220.png\" alt=\"\" class=\"wp-image-5554\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image size-full\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/image-220.png\" alt=\"\" class=\"wp-image-5554\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:50%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:50%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"25%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:25%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-are-there-other-apps-like-percent\">Are there other apps like Percent?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-are-there-other-apps-like-percent\">Are there other apps like Percent?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Other investment platforms that allow you to earn passive interest income include&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/yieldstreet\" target=\"_blank\" rel=\"noreferrer noopener\">Yieldstreet<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/worthy\" target=\"_blank\" rel=\"noreferrer noopener\">Worthy<\/a>.&nbsp;<\/p>\n","innerContent":["\n<p>Other investment platforms that allow you to earn passive interest income include&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/yieldstreet\" target=\"_blank\" rel=\"noreferrer noopener\">Yieldstreet<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/moneymade.io\/discover\/worthy\" target=\"_blank\" rel=\"noreferrer noopener\">Worthy<\/a>.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Like Percent, Yieldstreet is focused on providing alternative investment opportunities to everyday investors that have traditionally only been available to institutional investors. Percent and Yieldstreet also offer a similar annual return rate (12% with Percent and 12.44% for Yieldstreet).&nbsp;<\/p>\n","innerContent":["\n<p>Like Percent, Yieldstreet is focused on providing alternative investment opportunities to everyday investors that have traditionally only been available to institutional investors. Percent and Yieldstreet also offer a similar annual return rate (12% with Percent and 12.44% for Yieldstreet).&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The two platforms also differ in a number of areas. For instance, Percent does not charge investors a fee whereas Yieldstreet collects an average 1-2% management fee from investors annually. Unlike Percent, Yieldstreet allows unaccredited investors to participate with Yieldstreet\u2019s Prism Fund.<\/p>\n","innerContent":["\n<p>The two platforms also differ in a number of areas. For instance, Percent does not charge investors a fee whereas Yieldstreet collects an average 1-2% management fee from investors annually. Unlike Percent, Yieldstreet allows unaccredited investors to participate with Yieldstreet\u2019s Prism Fund.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>&nbsp;Worthy creates and sells SEC-qualified bonds that are used to invest in American businesses. Bonds earn investors 5% interest. There is a similar sentiment between Percent and Worthy in that they both want to open up private lending opportunities to the everyday investor.&nbsp;<\/p>\n","innerContent":["\n<p>&nbsp;Worthy creates and sells SEC-qualified bonds that are used to invest in American businesses. Bonds earn investors 5% interest. There is a similar sentiment between Percent and Worthy in that they both want to open up private lending opportunities to the everyday investor.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Worthy might do a better job of this as they offer a much lower minimum investment at $10 versus $500 at Percent. Similar to Percent, Worthy does not charge investors any fees. Worthy also has a strong social investment aspect as the investments go into helping growing U.S. businesses. With Worthy, you can expect a 5% interest return. On average, Percent offers an annual return rate of 12%.<\/p>\n","innerContent":["\n<p>Worthy might do a better job of this as they offer a much lower minimum investment at $10 versus $500 at Percent. Similar to Percent, Worthy does not charge investors any fees. Worthy also has a strong social investment aspect as the investments go into helping growing U.S. businesses. With Worthy, you can expect a 5% interest return. On average, Percent offers an annual return rate of 12%.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>You can use MoneyMade to check out these competing investment platforms along with 160+ other&nbsp;<a href=\"https:\/\/moneymade.io\/discover\" target=\"_blank\" rel=\"noreferrer noopener\">investment platforms<\/a>.<\/p>\n","innerContent":["\n<p>You can use MoneyMade to check out these competing investment platforms along with 160+ other&nbsp;<a href=\"https:\/\/moneymade.io\/discover\" target=\"_blank\" rel=\"noreferrer noopener\">investment platforms<\/a>.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"ourHotTakeOn\">Our hot take on Percent<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"ourHotTakeOn\">Our hot take on Percent<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>With short-term offerings, a low minimum investment, and the potential to make 10% or more in annualized returns, Percent makes an attractive passive investment opportunity. If you\u2019re looking for an alternative investment opportunity to help balance your current portfolio, it's worth taking a look at what Percent has to offer. Other alternative investments like REIT investing can tie up your money for years and usually require more than a $500 minimum investment. Percent is available for those who want something more short-term and affordable.&nbsp;<\/p>\n","innerContent":["\n<p>With short-term offerings, a low minimum investment, and the potential to make 10% or more in annualized returns, Percent makes an attractive passive investment opportunity. If you\u2019re looking for an alternative investment opportunity to help balance your current portfolio, it's worth taking a look at what Percent has to offer. Other alternative investments like REIT investing can tie up your money for years and usually require more than a $500 minimum investment. Percent is available for those who want something more short-term and affordable.&nbsp;<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>However, while Percent\u2019s minimum investment might make it more accessible to some, remember that Percent investment opportunities are currently only open to accredited investors. So this does limit who can participate.<\/p>\n","innerContent":["\n<p>However, while Percent\u2019s minimum investment might make it more accessible to some, remember that Percent investment opportunities are currently only open to accredited investors. So this does limit who can participate.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":3},"innerBlocks":[],"innerHTML":"\n<h3 class=\"wp-block-heading\" id=\"howDoISignUpFor\">I\u2019m in! How do I sign up for Percent?<\/h3>\n","innerContent":["\n<h3 class=\"wp-block-heading\" id=\"howDoISignUpFor\">I\u2019m in! How do I sign up for Percent?<\/h3>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">1.&nbsp;Join MoneyMade (for free).<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">1.&nbsp;Join MoneyMade (for free).<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Sign up for a MoneyMade account so you can track and manage all of your online investments in one convenient place.<\/p>\n","innerContent":["\n<p>Sign up for a MoneyMade account so you can track and manage all of your online investments in one convenient place.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">2.&nbsp;Sign up for a Percent account.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">2.&nbsp;Sign up for a Percent account.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Before you can start investing with Percent you will need to sign up for a Percent account. Simply go to Percent\u2019s home page and click on the blue \u201cSign Up\u201d button on the top right hand of the screen. You will be asked to enter your name and confirm that you are an accredited investor. You will also have to select what type of investor you will be investing as (eg. individual, institution).<\/p>\n","innerContent":["\n<p>Before you can start investing with Percent you will need to sign up for a Percent account. Simply go to Percent\u2019s home page and click on the blue \u201cSign Up\u201d button on the top right hand of the screen. You will be asked to enter your name and confirm that you are an accredited investor. You will also have to select what type of investor you will be investing as (eg. individual, institution).<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">3.&nbsp;Verify your identity.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">3.&nbsp;Verify your identity.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Before you can invest, you will have to confirm your identity. This entails inputting some personal information including a photo of yourself, so you will need a state ID or passport to verify your identity.<\/p>\n","innerContent":["\n<p>Before you can invest, you will have to confirm your identity. This entails inputting some personal information including a photo of yourself, so you will need a state ID or passport to verify your identity.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">4.&nbsp;Verify your accreditation status.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">4.&nbsp;Verify your accreditation status.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The next step is to verify your accreditation status. Remember that only accredited investors can invest with Percent. This involves completing several KYC (know your customer) checks.<\/p>\n","innerContent":["\n<p>The next step is to verify your accreditation status. Remember that only accredited investors can invest with Percent. This involves completing several KYC (know your customer) checks.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">5.&nbsp;Fund your account.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">5.&nbsp;Fund your account.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Now it\u2019s time to fund your Percent account. You have a few options here. You can choose to submit a wire transfer or ACH (Automated Clearing House). A wire transfer will typically clear on the same or following day. An ACH transfer can take up to 5 calendar days.<\/p>\n","innerContent":["\n<p>Now it\u2019s time to fund your Percent account. You have a few options here. You can choose to submit a wire transfer or ACH (Automated Clearing House). A wire transfer will typically clear on the same or following day. An ACH transfer can take up to 5 calendar days.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">6.&nbsp;Start investing.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">6.&nbsp;Start investing.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Once your funds have cleared you will be able to see your balance in your Percent account. At this point, you\u2019re ready to start investing.<\/p>\n","innerContent":["\n<p>Once your funds have cleared you will be able to see your balance in your Percent account. At this point, you\u2019re ready to start investing.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">7.&nbsp;Withdraw funds or reinvest.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">7.&nbsp;Withdraw funds or reinvest.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Once your deal reaches maturity, Percent will credit the principal amount and interest to your account. At this point you can decide if you want to withdraw the money to an external account or, you can decide to find another Percent opportunity and reinvest.<\/p>\n","innerContent":["\n<p>Once your deal reaches maturity, Percent will credit the principal amount and interest to your account. At this point you can decide if you want to withdraw the money to an external account or, you can decide to find another Percent opportunity and reinvest.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\">8.&nbsp;Return to MoneyMade to track all of your investments in one place.<\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\">8.&nbsp;Return to MoneyMade to track all of your investments in one place.<\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Don\u2019t forget to come back to MoneyMade to track your Percent investments, along with all of your other investments.<\/p>\n","innerContent":["\n<p>Don\u2019t forget to come back to MoneyMade to track your Percent investments, along with all of your other investments.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"acf\/accordion","attrs":{"name":"acf\/accordion","data":{"accordion_section_title":"FAQs","_accordion_section_title":"field_5f32a62824764","hide_faq_schema":"0","_hide_faq_schema":"field_663bca3331aee","accordion_0_default_to_open":"0","_accordion_0_default_to_open":"field_654e4a8b73ed0","accordion_0_accordion_title":"Is Percent investments legit?","_accordion_0_accordion_title":"field_5f32a68324766","accordion_0_accordion_content":"Yes, Percent is a legitimate digital investment platform providing investors with short-term debt investment opportunities. Percent was formerly known as Cadence is headquartered in New York City and was incorporated in 2018. The company did not launch publicly until 2019. Today, Percent has funded 272 deals with a total of $452.48 million invested.","_accordion_0_accordion_content":"field_5f32a6b424767","accordion_1_default_to_open":"0","_accordion_1_default_to_open":"field_654e4a8b73ed0","accordion_1_accordion_title":"How does Percent make money?","_accordion_1_accordion_title":"field_5f32a68324766","accordion_1_accordion_content":"<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<p class=\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \">Percent does not charge investors any fees. It makes money by charging originators an annual 1% fee. Percent also offers a Percent Prime program in which investors are charged a 1% annual servicing fee that is taken off of their interest payment at each distribution.<\/p>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>","_accordion_1_accordion_content":"field_5f32a6b424767","accordion_2_default_to_open":"0","_accordion_2_default_to_open":"field_654e4a8b73ed0","accordion_2_accordion_title":"How can a non-accredited investor invest?","_accordion_2_accordion_title":"field_5f32a68324766","accordion_2_accordion_content":"<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<div class=\"FaqBlock_FaqBlock__DS2Fl\">\r\n<section class=\"mu-container Container-module_Container__p2WRR FaqBlock_Container__GGTHp\">\r\n<div class=\"FaqBlock_QuestionBox__hZ2rP FaqBlock_Active___0Cdm\">\r\n<p class=\"mu-p1 FontGenerator-module_Font__-qoUg FontGenerator-module_Light__sW-hU \">At this time non-accredited investors can not invest with Percent. Percent only accepts accredited investors in the U.S. with U.S. bank accounts. The platform is hoping to open up to a wider investor base in the longer term. To be classified as an accredited investor, you must have earned income that exceeds $200,000 in the previous two years ($300,000 for joint income) or, you must have a net worth of over $1 million (excluding the value of your primary residence).<\/p>\r\n\r\n<\/div>\r\n<\/section><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>","_accordion_2_accordion_content":"field_5f32a6b424767","accordion":3,"_accordion":"field_5f32a64724765"},"mode":"preview"},"innerBlocks":[],"innerHTML":"","innerContent":[]}],"_links":{"self":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts\/5526","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/comments?post=5526"}],"version-history":[{"count":0,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts\/5526\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/media\/5537"}],"wp:attachment":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/media?parent=5526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/categories?post=5526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/tags?post=5526"},{"taxonomy":"post_authors","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/post_authors?post=5526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}