Based on looking at the website, Percent.com appears to be a legitimate and innovative platform designed to democratize access to private credit investments, an asset class traditionally reserved for large institutional investors.

The site positions itself as a bridge between accredited investors and corporate borrowers, facilitating investments in asset-backed deals and corporate loans with the potential for attractive annualized returns, often cited as up to 20%. It emphasizes diversification, shorter investment horizons, and a unique marketplace model that provides transparency and investor control.

This platform aims to unlock value in the private credit market, which has grown to a multi-trillion-dollar sector due to its potential for higher yields and lower correlation with public market fluctuations.

By offering a curated selection of opportunities with minimum investments as low as $500, Percent.com seeks to make this alternative asset class accessible to a broader range of accredited investors.

The website highlights features like customizable investment parameters, diversified asset classes through individual deals or Blended Notes, and a strong emphasis on expert support and transparency through proprietary technology and surveillance reports.

0.0

0.0 out of 5 stars (based on 0 reviews)

Excellent0%

Very good0%

Average0%

Poor0%

Terrible0%

There are no reviews yet. Be the first one to write one.

Amazon.com: Check Amazon for Percent.com Reviews
Latest Discussions & Reviews:

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Table of Contents

Understanding Percent.com: A Deep Dive into Private Credit Investing

Percent.com positions itself as a leading platform focused on bringing private credit opportunities to both accredited and institutional investors.

The core value proposition revolves around providing access to an alternative asset class that historically offered higher yields and shorter duration investments, largely uncorrelated to the public stock market.

This section will break down the fundamental aspects of Percent.com, helping you understand how it operates and what it offers.

What is Private Credit?

Private credit, also known as private debt, refers to debt financing extended by non-bank lenders directly to companies or projects.

Unlike traditional bank loans or publicly traded bonds, private credit deals are typically negotiated and structured privately, making them less liquid but potentially more rewarding. Unreadit.com Reviews

Direct Lending: This involves a direct loan from an investor or a group of investors to a company, bypassing traditional financial intermediaries like banks.
Asset-Backed Loans: Many private credit deals are backed by specific assets of the borrower, such as real estate, inventory, or accounts receivable. This collateral can provide a layer of security for investors.
Corporate Loans: These are loans extended to corporations for various purposes, including working capital, expansion, or refinancing existing debt. They often bridge the gap between traditional bank financing and larger institutional fundraising rounds.

The global private credit market has seen significant growth, reaching $3.14 trillion, as institutions increasingly allocate capital to this sector. This growth is driven by the potential for higher yields, diversification benefits, and the ability to tailor financing solutions to specific borrower needs. For investors, private credit can offer a compelling alternative to traditional fixed income, especially in a low-interest-rate environment.

The Percent.com Marketplace Model

Percent.com operates on an innovative marketplace model that connects investors directly with corporate borrowers.

This setup streamlines the investment process, offering transparency and control that might not be available in traditional private credit funds.

Investor-Led Parameters: Investors can specify their desired yield and minimum investment amount during the syndication process. This means you only commit capital if the deal parameters align with your strategy.
Proprietary Technology: The platform leverages its own technology to display available deals upfront, allowing investors to compare opportunities based on coupon rate, term, and funding status.
Comprehensive Data: Investors gain access to detailed borrower profiles, deal specifics, and relevant market data, empowering them to make informed decisions.
Syndication Process: Deals are presented to investors, who then commit capital. Once a deal reaches its funding target e.g., “96% Funded” as seen on the homepage, it closes, and funds are deployed to the borrower.

This marketplace approach is a significant differentiator, moving away from opaque fund structures towards a more direct and transparent investment experience.

It allows investors to pick and choose individual deals that fit their specific risk appetite and time horizons, rather than relying on a fund manager’s discretion for an entire portfolio. Battlesnake.com Reviews

Key Offerings and Asset Classes on Percent.com

Understanding these offerings is crucial for any potential investor looking to diversify their portfolio.

Individual Private Credit Deals

The primary offering on Percent.com is direct access to individual private credit deals. These deals are typically structured as asset-based notes or corporate loans, each with distinct characteristics.

Asset-Based Notes: These investments are secured by specific underlying assets of the borrower, which can include accounts receivable, inventory, real estate, or even future revenue streams. For example, a deal might be backed by a pool of small business loans originated by the borrower. The coupon rate the annualized interest rate paid to investors and term the duration of the investment are clearly stated for each deal. On the homepage, examples like “Metafinanciera Other Coupon Rate 13.75% Amount $250k Term 9 Months” illustrate the typical format.
Corporate Loans: These are typically unsecured or less directly collateralized loans to businesses for general corporate purposes, such as working capital, expansion, or bridging fundraising rounds. While potentially higher yielding, they may carry different risk profiles compared to asset-based notes.

The platform showcases a variety of recently launched deals, such as:

Wall Street Funding Other: 17.50% Coupon Rate, $2.8M Amount, 9 Months Term.
Coast Funding Other: 15.25% Coupon Rate, $3.5M Amount, 15 Months Term.
Nexi Other: 16.25% Coupon Rate, $4.2M Amount, 12 Months Term.

These examples highlight the diversity in terms, amounts, and coupon rates available, allowing investors to select deals that align with their specific financial goals and risk tolerance. The minimum investment for these deals can be as low as $500, making them accessible to a broader pool of accredited investors.

Blended Notes

For investors seeking broader diversification with less granular deal selection, Percent.com offers Blended Notes. These are essentially diversified portfolios of underlying private credit assets, curated and managed by Percent. Dixa.com Reviews

Instant Diversification: Instead of selecting individual deals, Blended Notes provide exposure to multiple underlying assets or borrowers within a single investment. This can significantly reduce concentration risk.
Passive Management: While investors still choose to invest in a specific Blended Note, the underlying asset allocation and management are handled by Percent, simplifying the process for those who prefer a more hands-off approach.
Thematic or Sector-Specific: Blended Notes might be structured around specific themes, sectors, or risk profiles, allowing investors to gain targeted exposure to particular segments of the private credit market without needing to research individual deals extensively.

This offering is particularly appealing to investors who want the benefits of private credit but prefer a more streamlined way to achieve portfolio diversification.

It’s akin to investing in an ETF or mutual fund within the private credit space, offering convenience and potentially reduced volatility compared to single-deal investments.

Performance and Potential Returns

One of the most attractive aspects of private credit, as highlighted by Percent.com, is the potential for competitive yields and favorable performance characteristics compared to traditional asset classes.

The platform cites impressive figures and attributes these to the unique nature of private credit.

Annualized Returns and Yields

Percent.com explicitly states the “Potential for up to 20% annualized returns” on its homepage. Arrangr.com Reviews

While past performance is not indicative of future results, the platform also provides real-time data on recently closed deals, showcasing compelling coupon rates.

Average Weighted Avg Coupon Rate: The website prominently displays a “Current Weighted Avg Coupon Rate” of 16.43% for its featured deals. This metric provides a snapshot of the average yield across currently active or recently closed opportunities.
Typical Coupon Rates: Individual deal examples, such as the “Wall Street Funding Other” at 17.50% and “Nexi Other” at 16.25%, demonstrate that high-yield opportunities are regularly available on the platform.
Short-to-Medium Terms: Many deals on the platform have terms ranging from 6-36 months, with an “Average Term” of 10.22 months. This relatively short duration means capital can be redeployed more frequently, allowing investors to potentially benefit from rising rate environments.

It’s important to remember that these are coupon rates, and actual returns can be influenced by factors such as defaults, prepayments, and fees.

However, the consistent display of double-digit coupon rates makes a strong case for the income-generating potential of private credit on Percent.com.

Diversification and Correlation Benefits

A key argument for private credit, heavily emphasized by Percent.com, is its potential to offer diversification and lower correlation to public markets.

Uncorrelated to Public Markets: The platform suggests that private credit can be “less tied to public market fluctuations” and “largely uncorrelated to the stock market.” This means that private credit investments may perform differently from stocks and bonds, potentially providing stability during periods of market volatility.
Bloomberg Survey Insights: Percent.com cites a Bloomberg survey revealing that “many institutions now prefer private credit over bonds to hedge against economic downturns.” This underscores the perception of private credit as a defensive asset class.
T. Rowe Price Data: Further bolstering the diversification argument, Percent.com references T. Rowe Price data suggesting that “allocating 10% to private credit historically reduces volatility and improves risk-adjusted returns.” This highlights the potential for private credit to enhance overall portfolio efficiency.

By adding private credit to a traditional portfolio of stocks and bonds, investors may be able to reduce overall portfolio volatility and improve their risk-adjusted returns, especially given the historical resilience of private credit deals during economic shifts. Outlinx.com Reviews

Investor Experience and Accessibility

Percent.com places a strong emphasis on providing a user-friendly and supportive experience for its accredited investors.

The platform aims to demystify private credit and make it more accessible.

Accredited Investor Requirement

A critical point to understand is that Percent.com is an investment platform exclusively for accredited investors. This is a regulatory requirement designed to protect individuals by limiting certain complex or higher-risk investments to those deemed financially sophisticated.

Definition of an Accredited Investor: Generally, an accredited investor is defined by the SEC as someone with:
- An annual income of over $200,000 or $300,000 for married couples for the past two years, with the expectation of maintaining that level.
- A net worth exceeding $1 million, excluding the value of their primary residence.
Verification Process: Investors must go through a verification process to confirm their accredited status before they can invest on the platform. This typically involves submitting financial documentation or obtaining verification from a qualified professional.

While this requirement limits access, it is a standard practice for private market investments and ensures compliance with financial regulations.

Percent.com provides clear information on how to learn more about accredited investor status directly on its website. Beneath.com Reviews

User Interface and Transparency

The platform’s design and features are geared towards maximizing transparency and ease of use, enabling investors to make informed decisions.

Intuitive Dashboard: Percent.com likely offers a dashboard where investors can view available deals, track their investments, and monitor performance. The emphasis on “proprietary technology” suggests a custom-built interface tailored to private credit.
Deal Comparison Tools: The ability to “see and compare available deals upfront” suggests robust filtering and comparison functionalities, allowing investors to quickly identify opportunities that meet their criteria.
Surveillance Reports: The mention of “surveillance reports” indicates that investors receive ongoing updates and data on their investments, helping them stay informed about the health and performance of the underlying assets or borrowers.
Low Fees: The platform states that “Low fees apply only to interest.” This fee structure aligns investor and platform interests, as Percent.com profits only when investors generate returns.

Expert Support and Customer Service

Percent.com prides itself on providing “expert support from investment professionals” and a “white glove service” that sets it apart.

Dedicated Investor Relations Team: The availability of a knowledgeable Investor Relations team via phone or email suggests a commitment to personalized support, which is often crucial for navigating complex investment products.
Educational Resources: The “Resources” section, including “Insights,” “Downloads,” “Education,” and “FAQ,” indicates a commitment to educating investors about private credit and the platform’s offerings, helping them make more informed decisions.

This combination of user-friendly technology, transparent data, and human support aims to create a comprehensive and reassuring investment experience for accredited investors exploring private credit.

Risks and Considerations

While Percent.com highlights the significant opportunities in private credit, it’s crucial for any potential investor to understand the inherent risks and considerations associated with this asset class.

No investment is without risk, and private credit, by its nature, carries specific factors that warrant careful attention. Fitsw.com Reviews

Illiquidity and Longer Holding Periods

Private credit investments are inherently less liquid than publicly traded stocks or bonds.

This is a fundamental characteristic of the asset class.

Limited Secondary Market: Unlike public securities that can be easily bought and sold on exchanges, there is no readily available secondary market for private credit notes. This means once you invest, your capital is typically locked in until the deal matures or is repaid.
Term Durations: While Percent.com advertises terms as short as three months, many deals span 6 to 36 months or even longer. Investors must be comfortable with their capital being tied up for these periods.
Early Exit Challenges: If an investor needs to access their capital before maturity, exiting a private credit investment can be difficult, if not impossible, or may involve significant discounts. This makes it crucial to invest only capital you don’t anticipate needing in the short to medium term.

Default Risk and Borrower Underwriting

The primary risk in private credit is the potential for the borrower to default on their loan, leading to a loss of principal and interest for investors.

Credit Risk: Investors are exposed to the creditworthiness of the underlying borrowers. While Percent.com emphasizes its underwriting process “How Percent Evaluates Private Credit Deals”, the risk of default is always present.
Due Diligence: While the platform provides data, investors are ultimately responsible for their own due diligence. Understanding the borrower’s business model, financial health, and the specifics of the collateral for asset-backed deals is critical. Surfboard.com Reviews
Underwriting Process: Percent.com states it evaluates private credit deals. A robust underwriting process typically involves:
- Financial Analysis: Assessing the borrower’s historical and projected financial performance.
- Collateral Review: For asset-backed deals, a thorough evaluation of the quality and enforceability of the collateral.
- Management Team Assessment: Evaluating the experience and competence of the borrower’s management.
- Market Analysis: Understanding the industry and economic conditions affecting the borrower.
However, even with stringent underwriting, economic downturns or unforeseen business challenges can impact a borrower’s ability to repay.

Interest Rate Risk and Prepayment Risk

While private credit can offer attractive fixed coupon rates, investors should be aware of interest rate dynamics and prepayment possibilities.

Fixed Rate vs. Floating Rate: Many private credit deals might have fixed interest rates. In a rising interest rate environment, new deals might offer higher yields, making older, lower-yielding fixed-rate investments less attractive on a relative basis.
Prepayment Risk: Borrowers might repay their loans early, especially if interest rates decline or their financial position improves, allowing them to refinance at a lower rate. While this means the investor gets their principal back, they lose out on future interest payments and may have to reinvest at a lower rate.

Regulatory and Economic Environment

Economic Downturns: Recessions or economic contractions can increase default rates across all credit markets, including private credit.
Regulatory Changes: Changes in financial regulations, especially those impacting private markets or accredited investor definitions, could affect the platform’s operations or investor eligibility.
Market Competition: The private credit market is growing, leading to increased competition among lenders. This could potentially compress yields over time, although Percent.com still highlights high potential returns.

Understanding these risks and conducting thorough personal due diligence is paramount before committing capital to private credit investments on Percent.com or any similar platform.

Why Choose Percent.com? Analyzing the Value Proposition

Percent.com outlines several compelling reasons why accredited investors should consider their platform for private credit investments. Nicheboard.com Reviews

These points coalesce into a strong value proposition centered on access, control, and potential returns.

Access to a Traditionally Exclusive Asset Class

One of Percent.com’s most significant value propositions is its ability to democratize access to private credit.

Historically, this asset class was primarily the domain of large institutional investors like pension funds, endowments, and sovereign wealth funds, or ultra-high-net-worth individuals through private equity funds.

Democratization of Private Credit: The platform explicitly states, “Now, Percent gives accredited investors these opportunities too.” This opens up a significant alternative investment avenue for individuals who meet the accredited investor criteria but may not have the direct connections or capital requirements for institutional-level private credit deals.
Lower Minimums: With minimum investments as low as $500, Percent.com significantly lowers the barrier to entry compared to traditional private credit funds, which often require commitments in the hundreds of thousands or millions of dollars. This allows for greater diversification across multiple deals even with a more modest overall allocation.
Direct Investment Opportunities: Instead of investing in a blind pool fund, Percent.com allows investors to “select from pre-vetted high-yield opportunities,” as highlighted by investor Jonathan C. This direct selection offers more control and transparency over specific investments.

Potential for Higher Yields and Income Generation

The promise of competitive yields is a major draw for investors considering Percent.com.

Private credit often offers higher returns than traditional fixed-income instruments. Pop-7.com Reviews

Competitive Coupon Rates: The platform consistently advertises “Potential for up to 20% annualized returns” and showcases a “Current Weighted Avg Coupon Rate” of 16.43%. These figures are substantially higher than what is typically available from public bonds or savings accounts.
Recurring Income Stream: Deals on Percent.com “generally offer monthly income potential.” This feature makes private credit attractive to investors seeking regular passive income, which can be reinvested or used for cash flow.
Liquidity Premium: The higher yields in private credit often compensate investors for the illiquidity inherent in the asset class. Borrowers are willing to pay a premium for direct, flexible financing that banks might not provide.

Diversification and Portfolio Enhancement

Percent.com strongly advocates for private credit as a powerful tool for portfolio diversification and risk-adjusted return improvement.

Lower Correlation to Public Markets: Private credit’s low correlation to public stocks and bonds can help stabilize a portfolio during market downturns. As the website notes, it’s an “asset that can be less tied to public market fluctuations.”
Hedge Against Economic Downturns: Citing the Bloomberg survey, Percent.com suggests that institutions are increasingly using private credit to “hedge against economic downturns,” seeing it as a “safe-haven” asset class.
Improved Risk-Adjusted Returns: The reference to T. Rowe Price data indicates that a strategic allocation to private credit can “reduce volatility and improve risk-adjusted returns” for an overall portfolio, making it a more efficient allocation of capital.
Diversification by Design: Beyond portfolio-level diversification, Percent.com also offers tools like Blended Notes to achieve “broad diversification” within the private credit allocation itself, spreading risk across different borrowers, industries, and asset types.

Transparency and Control

The platform’s technological approach and commitment to transparency provide investors with a level of control often absent in other private market investments.

Data-Driven Decisions: With “proprietary technology,” investors can “see and compare available deals upfront,” access “comprehensive borrower, deal, and market data,” and use “surveillance reports” to track performance. This empowers investors to make well-informed choices.
Investor-Specified Parameters: The ability to “specify your desired yield and minimum investment amount” during syndication means investors only participate in deals that align with their precise criteria, offering a high degree of control over their portfolio construction.
Clear Fee Structure: The “Low fees apply only to interest” model is transparent and aligns with investor success, as Percent.com earns when investors earn.

These combined factors paint a picture of Percent.com as a robust and compelling option for accredited investors seeking to tap into the lucrative private credit market with enhanced transparency and control.

For Borrowers: Raising Capital with Percent.com

While Percent.com primarily markets itself to investors, the platform also serves a crucial role for borrowers seeking alternative financing solutions.

Understanding the borrower side provides a complete picture of the marketplace. Shipipo.com Reviews

Asset-Based Financing

Percent.com offers a mechanism for companies to raise capital through asset-based financing, which involves securing loans against various types of assets. This is often an attractive option for businesses that may not qualify for traditional bank loans or need more flexible terms.

Types of Assets: Companies can leverage a wide range of assets, including:
- Accounts Receivable: Unpaid invoices owed to the business.
- Inventory: Raw materials, work-in-progress, and finished goods.
- Real Estate: Commercial properties owned by the business.
- Equipment: Machinery, vehicles, or other tangible assets.
- Future Revenue Streams: For certain businesses, future contracted revenues can serve as collateral.
Flexibility: Asset-based financing through platforms like Percent.com can often be more flexible than traditional bank loans regarding terms, repayment schedules, and the speed of funding.
Access to Capital: This pathway provides access to capital for small businesses and startups that might lack the long operating history, significant tangible assets, or credit ratings typically required by banks for unsecured loans.

Corporate Loans

Beyond asset-based financing, Percent.com also facilitates corporate loans, providing capital for general business needs between traditional fundraising rounds.

Growth and Operations: These loans can be used for working capital, funding expansion projects, purchasing new equipment, or bridging cash flow gaps.
Alternative to Equity Funding: For companies that prefer to avoid diluting equity or want to extend their runway between equity rounds, corporate loans offer a debt-based financing solution.
Tailored Solutions: The private nature of these loans allows for more customized terms and structures that can be adapted to the specific needs and financial situation of the borrower.

Borrower Benefits on Percent.com

Percent.com emphasizes a streamlined and efficient process for borrowers seeking capital.

Speed of Execution: Private credit platforms can often provide funding more quickly than traditional banks, which have more extensive regulatory hurdles and underwriting processes.
Access to a Broad Investor Base: Percent.com connects borrowers with “thousands of investors,” providing a diversified pool of capital providers. This can reduce reliance on a single lender and potentially lead to more competitive terms.
Transparent Process: While the platform highlights transparency for investors, this likely extends to borrowers as well, with clear communication throughout the deal structuring and funding process.
Scalability: For growing companies, accessing capital through Percent.com can help them “scale your company with corporate loans in between your fundraising rounds,” indicating support for ongoing financing needs.

The synergy between the investor and borrower sides of Percent.com’s marketplace is fundamental to its operation, providing a vital source of capital for businesses and diversified investment opportunities for accredited investors.

Future Outlook for Percent.com and Private Credit

The private credit market is undergoing significant growth and evolution, and Percent.com appears well-positioned to capitalize on these trends. Beecut.com Reviews

Understanding the broader market dynamics provides context for the platform’s future potential.

Continued Growth of Private Credit

The private credit market has seen explosive growth in recent years and is projected to continue its expansion.

Bank Retreat: Post-financial crisis regulations like Basel III have made it more challenging for traditional banks to lend to certain segments of the market, particularly middle-market companies and more complex financing situations. This has created a void that private credit lenders are filling.
Demand from Borrowers: Many companies, especially smaller and mid-sized businesses, find private credit more flexible and accessible than traditional bank loans or public markets. They are willing to pay a premium for speed, tailored terms, and less onerous covenants.
Investor Appetite: Institutional investors are increasingly allocating to private credit due to its attractive yields, diversification benefits, and low correlation to public markets, especially in a persistent low-interest-rate environment.
Projected Growth: Estimates suggest the private credit market could grow significantly in the coming years, potentially reaching $4 trillion or more by the end of the decade, according to some market observers. This robust growth trajectory provides a strong tailwind for platforms like Percent.com.

Technology-Driven Disruption

Percent.com’s core offering relies on technology to streamline the investment process.

This tech-centric approach is likely to be a key driver of future success and innovation. Visbug.com Reviews

Enhanced Data Analytics: Future developments could involve even more sophisticated data analytics and AI to better assess credit risk, identify high-potential deals, and provide more granular insights to investors.
Improved User Experience: Continued investment in the platform’s user interface, mobile accessibility, and reporting features can enhance the overall investor and borrower experience, making the process even more seamless.
Automated Processes: Greater automation of deal origination, underwriting support, and ongoing surveillance can increase efficiency and allow the platform to scale its operations more effectively.
Market Expansion: Technology can facilitate expansion into new private credit segments or geographies, connecting a broader array of borrowers and investors.

Competitive Landscape

Other Platforms: Several other platforms cater to accredited investors seeking private market access, though many focus on real estate or private equity rather than pure private credit. Percent.com’s specialization in private credit is a differentiator.
Traditional Funds: Institutional-grade private credit funds remain a major force. Percent.com’s value proposition is to offer a more direct, transparent, and lower-minimum alternative to these funds.

The outlook for Percent.com appears promising, driven by the strong growth of the private credit market, the platform’s technological capabilities, and its ability to serve a growing segment of accredited investors seeking differentiated investment opportunities.

Frequently Asked Questions

What is Percent.com?

Percent.com is an online investment platform that connects accredited investors with private credit opportunities, primarily in the form of asset-backed notes and corporate loans.

It allows investors to access an alternative asset class traditionally reserved for institutional investors.

Is Percent.com legitimate?

Based on checking the website, Percent.com appears to be a legitimate platform for private credit investments.

It features real deal data, investor testimonials, and outlines its regulatory requirements for accredited investors. Graphql-modules.com Reviews

Who can invest on Percent.com?

Only accredited investors can invest on Percent.com. This typically means individuals with an annual income of over $200,000 or $300,000 for couples or a net worth exceeding $1 million, excluding their primary residence.

What kind of returns can I expect on Percent.com?

Percent.com advertises the potential for “up to 20% annualized returns” and shows a “Current Weighted Avg Coupon Rate” of 16.43% on its featured deals. Actual returns vary by deal and carry risk.

What is the minimum investment on Percent.com?

The minimum investment on Percent.com can be as low as $500 per deal, making private credit more accessible than traditional institutional funds.

How long are the investment terms on Percent.com?

Investment terms on Percent.com typically range from 6 to 36 months, with an “Average Term” of approximately 10.22 months.

What are asset-backed notes on Percent.com?

Asset-backed notes are private credit investments secured by specific underlying assets of the borrower, such as accounts receivable, inventory, real estate, or future revenue streams, providing a layer of collateral for investors. Sametab.com Reviews

What are corporate loans on Percent.com?

Corporate loans are private credit deals extended to businesses for general corporate purposes, such as working capital or expansion, often serving as financing in between traditional fundraising rounds.

What are Blended Notes on Percent.com?

Blended Notes on Percent.com are diversified portfolios of underlying private credit assets, curated by Percent, offering investors instant diversification across multiple deals or borrowers within a single investment.

How does Percent.com make money?

Percent.com states that “Low fees apply only to interest,” indicating that the platform primarily earns revenue from a portion of the interest generated on successful investments.

Is my money liquid on Percent.com?

No, investments on Percent.com are generally illiquid. There is no readily available secondary market, and capital is typically locked in until the deal matures or is repaid.

What are the risks of investing on Percent.com?

Key risks include default risk borrower inability to repay, illiquidity difficulty accessing capital before maturity, interest rate risk, and prepayment risk. All investments involve the risk of loss of principal.

How does Percent.com vet its borrowers?

Percent.com has an underwriting process to evaluate private credit deals, which involves assessing borrower financials, collateral, management teams, and market conditions.

However, investors should also conduct their own due diligence.

Does Percent.com offer diversification options?

Yes, Percent.com offers diversification through various individual deals across different asset classes and geographies, and also through its Blended Notes product, which provides instant diversification across multiple underlying assets.

How transparent is Percent.com?

Percent.com emphasizes transparency, providing investors with access to comprehensive borrower, deal, and market data, as well as surveillance reports to track performance.

Can I get monthly income from Percent.com investments?

Yes, deals on Percent.com’s marketplace generally offer monthly income potential, providing a recurring passive income stream throughout the lifetime of the deal.

How is Percent.com different from other investment platforms?

Percent.com specializes in bringing private credit opportunities to accredited investors, offering direct access to individual deals and Blended Notes, with a focus on transparency, high potential yields, and strong customer support, differentiating it from platforms focused on public markets or other alternative assets like real estate.

What kind of customer support does Percent.com offer?

Percent.com offers “expert support from investment professionals” through a knowledgeable Investor Relations team, available via phone or email, which investors have praised for its “white glove service.”

What is the average coupon rate on Percent.com?

As displayed on the website, the “Current Weighted Avg Coupon Rate” for featured deals is 16.43%. This rate can fluctuate based on available opportunities.

Is private credit correlated with the stock market?

Percent.com asserts that private credit can be “less tied to public market fluctuations” and “largely uncorrelated to the stock market,” suggesting it can provide diversification benefits during periods of public market volatility.

Percent.com Reviews