Percent stands as an innovative force in the world of alternative investments, specializing in granting access to private credit opportunities. Historically, the domain of institutional investors, Percent, shatters this barrier, offering individual accredited investors a chance to delve into realms such as SMB loans, merchant cash advances, and trade receivables.
Founded in 2018, Percent, formerly Cadence, entered the alternative investment platform space with a laser focus on private credit investments, encompassing merchant cash advances, corporate loans, consumer loans, and venture debt for high-growth companies.
With an entry-level investment as low as $500, Percent seeks to expand your investment horizons beyond traditional assets like stocks, bonds, or mutual funds. Here is a detailed review of Percent outlining its benefits and features.
Learn More About Percent
Percent boasts a diverse array of opportunities, featuring high average yields exceeding 15% and a low minimum investment requirement of just $500. Whether you prefer short or long-duration deals, the selection caters to your needs.
Exclusive to Private Credit – Percent is unique in the alternative investment space as it exclusively offers private credit investment opportunities, making it a specialized platform for this asset class.
Wide Range of Opportunities – The platform provides a diverse range of private credit investment opportunities, including merchant cash advances, corporate loans, consumer loans, and venture debt. This variety allows investors to tailor their portfolios to their specific investment goals.
Transparent Fees – Percent clearly discloses any associated fees with each investment opportunity, giving investors a comprehensive understanding of potential returns and costs.
Strong Customer Service – Percent’s customer service team is highly responsive and provides personalized assistance and guidance to investors, enhancing the overall customer experience.
Higher Returns and Shorter Durations – Private credit investments often offer higher returns due to the demand for financing from borrowers who can’t access public market funding. Additionally, these investments typically have shorter durations, enabling investors to adjust their strategies more frequently based on market conditions.
Stability – Private credit investments are known for their lower volatility compared to public markets, often being backed by assets, loan portfolios, or corporate debt. This stability can provide a sense of security for investors.
Key Features of Percent
Percent is your gateway to a world of diverse investment possibilities in the private credit market. With a focus on accessibility and transparency, we offer accredited investors the opportunity to tailor their investments to their unique financial goals and risk tolerance. Here are some popular Percent features.
Diverse Investment Opportunities
Percent’s core premise is to offer private credit alternative investment opportunities to accredited investors. The platform features a wide range of investment options, from single notes secured by residential mortgages to portfolios of merchant cash advances. This diversity allows investors to tailor their investments to their risk tolerance and financial goals.
Low Minimum Investment
One of Percent’s standout features is its low minimum investment requirement, which can be as little as $500, depending on the investment opportunity. This accessibility is a rarity in the private credit space, making it appealing to a broader range of accredited investors.
Percent places a strong emphasis on transparency. The platform provides a comprehensive overview of each investment, including the investment term, expected return, collateral type, and the track record of the corporate borrower. This level of transparency empowers investors to make informed decisions.
Before listing any investment opportunity, Percent conducts rigorous due diligence on each originator. This includes evaluating their track record, app experience, and industry experience, ensuring that only credible opportunities make it to the platform.
Investor security is a top priority for Percent. The platform uses bank-level encryption to safeguard user information and complies with all relevant financial regulations. Funds are held in separate accounts, which are FDIC-insured up to the legal limit of $250,000, providing an additional layer of security.
For investors considering single note offerings on the Percent platform, there are no management fees to worry about. This means that you can invest in individual opportunities without incurring any ongoing management costs.
For investors looking to diversify their portfolios through Percent’s Blended Note programs, a slightly different fee structure applies. Here, investors are subject to a 1% management fee and a percentage of yield.
Is Percent Worth It?
For accredited investors, Percent is undoubtedly a platform worth considering. The democratization of access to high-yield, short-term debt investments that were traditionally exclusive to a select few is a significant advantage.
While these investments carry a degree of risk, Percent’s thorough due diligence, transparency, and commitment to customer service help mitigate these risks. The low minimum investment requirement makes it accessible to a broader range of investors, making it possible to diversify your portfolio and potentially achieve higher-than-average returns.
However, as with any investment, it’s essential to evaluate your financial situation, investment goals, and risk tolerance before deciding. A well-balanced and diversified portfolio that aligns with your individual needs and circumstances is key to achieving financial stability and growth over the long term.
In conclusion, Percent offers a unique platform for those looking to expand their investment horizons beyond traditional investments. Its commitment to due diligence, transparency, and excellent customer service can give investors the confidence to explore the platform’s offerings. Click here to sign up for Percent today.
Learn More About Percent