Percent

Percent offers individual asset-backed notes and a diversified product called Blended Notes. The underlying collateral includes SMB working-capital loans, merchant cash advances, trade-finance receivables, music-royalty cash flows, and consumer receivables. Most deals on the marketplace carry durations of six to twenty-four months with the potential for monthly distributions.

Percent Securities, LLC is a registered broker-dealer and FINRA/SIPC member that acts as a placement agent for the debt securities offered on Percent's marketplace. It facilitates the private placements sold directly to institutional and accredited investors, serving as the regulated distribution arm for the broader platform.

Percent operates as a digital marketplace, not a pooled fund. Investors select individual private credit deals through an online platform rather than committing capital to a blind pool. The firm also offers Blended Notes for built-in diversification, but the core structure remains deal-by-deal syndication.

The platform advertises private credit access for accredited investors starting from $500. This minimum applies to individual deals on the marketplace, a threshold substantially below the institutional minimums that have historically characterized the private credit asset class.

For the trailing twelve months ending March 31, 2026, Percent reported a net return after losses of 14.6 percent on its ABS deals before fees and 13.7 percent after fees (per the firm). These returns reflect interest payments minus charge-offs divided by average AUM and represent past performance.