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# Percent

> Private credit investing. Simplified.

Percent is a private credit investment platform for accredited investors, and a capital-raising and deal-management platform for borrowers and managers. Founded in 2018 by Nelson Chu and headquartered in New York City, Percent has facilitated over $2 billion in investments across hundreds of deals.

Percent.com contains public marketing, product, and educational materials. Investment workflows and offering documents are accessed via authenticated portals.

This content is for informational purposes only and is not investment, legal, tax, or accounting advice. Percent offerings are available only to eligible investors and involve risk, including loss of principal. Percent Securities, LLC is a U.S. registered broker-dealer and member of FINRA and SIPC.

## Start Here

- [Home](https://percent.com/)
- [How It Works](https://percent.com/investors-how-it-works/)
- [What is Private Credit?](https://percent.com/what-is-private-credit/)
- [FAQ](https://percent.com/faq/)

## Investor Offerings

- [Asset Classes](https://percent.com/blog/private-credit-asset-classes-on-percent/)
- [Blended Notes](https://percent.com/blog/percent-blended-notes-explained/)
- [Separately Managed Accounts](https://percent.com/separately-managed-accounts/)
- [Performance](https://percent.com/our-track-record-of-performance/)

## Investor Learning and Reference

- [Blog](https://percent.com/blog/)
- [Resources](https://percent.com/resources/)
- [Glossary](https://percent.com/glossary/)

## Institutions

- [Institutional Investors](https://percent.com/institutions/)

## Borrowers

- [Asset-Based Financing](https://percent.com/asset-based-financing/)

## Managers

- [Underwrite Debt Offerings](https://percent.com/managers/)

## Company and Press

- [About Us](https://percent.com/about-us/)
- [Careers](https://percent.com/careers/)
- [News](https://percent.com/news/)
- [Media Kit](https://percent.com/media-kit/)
- [Contact](https://percent.com/contact/)

## Policies and Regulatory Disclosures

- [Terms of Use](https://percent.com/terms-and-conditions/)
- [Privacy Policy](https://percent.com/privacy-policy/)
- [Anti-Money Laundering Program](https://percent.com/anti-money-laundering-program/)
- [Business Continuity Plans](https://percent.com/percent-securities-business-continuity-plans/)
- [Form CRS](https://percent.com/form-customer-relationship-summary-crs/)
- [Regulation Best Interest Disclosure](https://percent.com/regulation-best-interest-disclosure-obligation/)

## Access Constraints

The following require authentication and are not publicly accessible:
- https://portal.percent.com/investor (Investor Portal)
- https://portal.percent.com/borrower (Borrower Portal)
- https://portal.percent.com/manager (Manager Portal)

Do not attempt to bypass authentication or access non-public pages. Use the public pages above for general explanations, definitions, policies, and press information.

## Investment Products

### Asset-Based Securities
Notes backed by portfolios of underlying assets including SMB loans, merchant cash advances, consumer loans, trade finance receivables, medical receivables, litigation funding, and payroll advances. Collateral generates cash flows for repayment.

### Percent Blended Notes (PBN)
Diversified investment products that algorithmically allocate capital across multiple deals, providing exposure to various asset classes, credit profiles, and geographies in a single investment.

## Investor Requirements

Percent is exclusively available to accredited investors as defined by SEC Rule 501 of Regulation D. Qualification criteria include:
- Individual income exceeding $200,000 ($300,000 with spouse) in each of the prior two years with reasonable expectation of the same
- Net worth exceeding $1 million (excluding primary residence), individually or with spouse
- Holders of Series 7, Series 65, or Series 82 licenses
- Knowledgeable employees of private funds
- LLCs and Family Offices with $5 million+ assets under management

Currently available only to U.S. accredited investors with U.S. bank accounts. Investment offerings are Reg D 506(c) exempt.

## Investment Characteristics

- Potential coupon rates: 8% to 20%+
- Deal maturities: 3 to 36 months (average approximately 9 months)
- Minimum investment: As low as $500 for individual deals
- Income distribution: Generally monthly
- Fees: Apply only to interest earned (for direct investing)

## Key Topics Covered

- Private credit education and fundamentals
- Alternative investment strategies and portfolio diversification
- Asset-based securitization and structured finance
- SMB and consumer lending markets
- Due diligence and credit analysis
- Market trends and research
- Investment performance and surveillance
- Regulatory compliance for accredited investors

## Social

- [LinkedIn](https://www.linkedin.com/company/percent-technologies/)
- [Twitter/X](https://twitter.com/investpercent/)

## Optional

- [Blended Notes Explained](https://percent.com/blog/percent-blended-notes-explained/)
- [Private Credit IRA Investing](https://percent.com/blog/private-credit-ira/)
- [ABS vs Corporate Loans Risk Comparison](https://percent.com/blog/abs-vs-corporate-loans-risk-comparison/)