Percent

Percent operates a marketplace for private credit investing that connects accredited and institutional investors with corporate borrowers seeking capital outside of banks and public bond markets. The platform offers individual deal access with minimums starting at $500, deal durations typically between 6 and 24 months (with some deals ranging from three months to a few years), and coupons the company describes as potentially 12% or more. Investors can participate in single deals or use Blended Notes to obtain diversified exposure across asset classes and geographies.

The company's stated investment thesis centers on asset-backed securities (ABS) lender finance: providing capital to specialty lenders against pools of their own performing receivables, in segments the company says banks have retreated from following Basel III. Named categories include SMB working capital lending, merchant cash advance receivables, trade finance (invoices, purchase orders and cross-border supply-chain receivables), royalty-backed notes such as music streaming and licensing cash flows, and consumer receivables including earned-wage access, point-of-sale lending and healthcare patient finance. Percent frames the addressable opportunity using Morgan Stanley figures putting global private credit AUM at roughly $3–3.5 trillion in 2025 with a projected $5 trillion by 2029.

According to the company, investors have funded over $2 billion in deals on the platform. Percent reports ABS net returns after losses of 14.6% and 13.7% after losses and fees for the twelve months ending March 31, 2026, comparing these against public fixed-income and equity benchmarks.

Business model

Percent operates a two-sided marketplace: borrowers and specialty lenders raise capital through syndicated private credit deals, while accredited and institutional investors fund them. The company provides proprietary technology for deal comparison, borrower and market data, performance tracking and surveillance reporting, plus an investor relations support team.

The site states that for direct investing, fees apply only to interest earned; a separate net-return figure after fees is reported, indicating investor-side fees on returns. Full fee structure is not disclosed in the sources.

Traction

The company states that thousands of investors have funded over $2 billion in deals on the platform, and reports ABS net returns of 14.6% after losses (13.7% after losses and fees) for the twelve months ending March 31, 2026.