Percent.com Review: Full Site Analysis for Investors (2024)

Greetings, fellow investors! Today, I’m excited to dive into the world of alternative investments and share an in-depth review of Percent.com. If you’re looking to diversify your portfolio and explore the world of private credit investing, you’ve come to the right place. In this comprehensive review, I’ll walk you through the features, benefits, and investment opportunities that Percent.com has to offer.

Since its establishment in 2018, Percent.com has become a trusted platform for thousands of accredited investors seeking high-yield, short-term assets. This innovative marketplace connects investors with exclusive private credit deals, allowing for diversification and growth in your investment strategy.

Key Takeaways:

• Percent.com is a platform that offers private credit investments to accredited investors.
• Investors can explore and invest in exclusive private credit deals on Percent.com.
• Private credit investing provides the potential for higher yields and lower volatility compared to traditional investments.
• Investors can diversify their portfolios across different asset classes and industries through private credit investing.
• Percent.com provides a transparent marketplace, expert support, and comprehensive data to help investors make informed decisions.

Explore Exclusive Private Credit Deals on Percent.com

At Percent.com, investors have the unique opportunity to explore and invest in exclusive private credit deals. Private credit investments are a valuable alternative asset class that can provide higher yields and shorter durations compared to traditional stock market investments. These investments offer a level of diversification and resilience against inflation and recession, as they are largely uncorrelated with the stock market. Accredited investors can access these exclusive opportunities on Percent.com and diversify their portfolios with private credit investments.

Private credit investing allows investors to expand their investment horizons and explore a new avenue for potential growth and profitability. By investing in private credit deals, investors can achieve higher returns and diversify their portfolios beyond conventional investment options. The exclusive private credit deals available on Percent.com can provide investors with unique opportunities to enhance their overall investment strategies.

Benefits of Investing in Exclusive Private Credit Deals

Higher Yields: Private credit investments have the potential to offer higher yields compared to traditional investments like stocks and bonds. This can be particularly appealing to investors seeking to enhance their overall investment returns.

Diversification: Private credit investments can offer diversification benefits by allowing investors to spread their risk across various asset classes and industries. By diversifying their portfolios, investors can minimize the impact of any single investment and achieve a more balanced and resilient portfolio.

Resilience against Inflation and Recession: Private credit investments can provide a high degree of resilience against inflation and recession. These investments are often backed by real assets and can be less affected by market volatility, making them an attractive option for investors seeking stability in their portfolios.

By exploring exclusive private credit deals on Percent.com, investors can tap into the potential of this alternative asset class and diversify their portfolios for stronger, more sustainable long-term growth.

Benefits of Exclusive Private Credit Deals on Percent.com	Details
Higher Yields	Private credit investments on Percent.com can offer higher yields compared to traditional investments.
Diversification	Investing in exclusive private credit deals allows investors to diversify their portfolios and reduce risk.
Resilience	Private credit investments are resilient against inflation and recession, providing stability to investors.

Investors are encouraged to take advantage of the exclusive private credit deals available on Percent.com to diversify their portfolios, enhance their investment returns, and capture the potential offered by this alternative asset class.

The Benefits of Private Credit Investing

Investing in private credit can offer numerous advantages to investors, including higher yields, lower volatility, and enhanced diversification opportunities. Let’s explore these benefits in detail:

Higher Yield

Private credit investments have the potential to generate higher yields than traditional investments like stocks and bonds. With private credit, investors can access exclusive opportunities that offer attractive returns. These investments are often structured to provide competitive interest rates, delivering a potentially higher income stream compared to other asset classes.

Lower Volatility

Private credit is known for its lower volatility, making it an appealing option for investors seeking stability in their portfolios. Unlike the stock market, which is prone to significant price swings and market turbulence, private credit investments tend to exhibit more stable and predictable returns. This lower volatility can provide investors with a sense of security and peace of mind.

Diversification

Diversification is a key advantage of private credit investing. By allocating funds to private credit, investors can spread their risk across different asset classes and industries. This diversification helps mitigate the impact of any single investment’s performance and reduces the overall portfolio volatility. Private credit investments can encompass various sectors such as real estate, small business loans, consumer loans, and more, offering a wide range of options for diversification.

Benefits of Private Credit Investing
Higher Yield	Lower Volatility	Diversification

Understanding Diversification in Private Credit

Diversification plays a crucial role in private credit investing as it helps protect against volatility and maximize returns. Studies have shown that a well-diversified portfolio, with a strategic allocation to alternative asset classes like private credit, can outperform a traditional, equity-focused portfolio.

Illustrating the potential benefits of diversification, research indicates that a 40/30/30 portfolio, with 30% allocated to alternatives such as private credit, can deliver superior returns compared to a more conventional 60/40 mix of equities and fixed income.

When it comes to diversifying their portfolios, investors on Percent.com have access to a wide range of asset class types. These options include:

• Commercial real estate
• Farmland
• Collectibles and art
• High-yield bonds

By including these diverse asset classes, investors can spread their risk and reduce exposure to any single industry or sector. This strategy helps mitigate the impact of market fluctuations and provides a higher level of stability within their portfolios.

Investment Horizon

Private credit investments offer investors flexibility with respect to investment horizons. While some private credit opportunities are as short as three months, others can extend over several years.

This variety in investment horizons allows investors to tailor their portfolios based on their investment goals and timeframes. Whether an investor seeks short-term gains or has a longer investment horizon, Percent.com offers options to match their preferences.

The Risks and Considerations of Private Credit Investing

Like every investment, private credit involves risk. Investors are encouraged to understand their risk appetite and conduct due diligence before investing. It’s important to assess the creditworthiness of borrowers, consider the potential default risks, and evaluate the overall market conditions.

Investors should carefully analyze their risk tolerance and determine how much exposure to private credit they are comfortable with. Some investors may have a higher risk appetite and are willing to accept greater potential risks and returns, while others may prefer a more conservative strategy.

Due diligence plays a crucial role in private credit investing. Investors should thoroughly research and analyze the borrower’s financials, business model, industry trends, and any potential risks associated with the investment. This includes reviewing financial statements, credit ratings, and conducting background checks on the borrower and its management team.

Furthermore, investors should assess the potential default risks associated with private credit investments. As with any lending activity, there is always the possibility of borrowers defaulting on their obligations due to unforeseen circumstances. Understanding the likelihood and potential impact of defaults is vital for managing risk in a private credit portfolio.

“Successful private credit investing requires diligent risk assessment and thorough due diligence to minimize potential downside risks.”

Evaluating the overall market conditions is also crucial in private credit investing. Factors such as interest rates, economic conditions, and industry-specific trends can significantly impact the performance of private credit investments. Investors should stay informed and continually monitor these factors to make informed investment decisions.

Percent.com recognizes the importance of providing investors with the necessary tools to mitigate risk and make informed investment decisions. The platform offers comprehensive borrower, deal, and market data, allowing investors to analyze potential investments and track their performance over time.

By understanding their risk appetite, conducting due diligence, and leveraging the resources available on Percent.com, investors can navigate the risks associated with private credit investing and make informed decisions to achieve their financial goals.

Why Invest in Private Markets

Investing in private markets offers a world of opportunities beyond traditional options like stocks and fixed income. These markets provide access to a diverse range of investment opportunities that are often unavailable to the general public. By venturing into private markets, investors can tap into high-yield prospects and diversify their portfolios across different asset classes.

Private market investments offer the potential for attractive returns and the chance to support promising businesses in their growth journey. These markets enable investors to break free from the artificial limits of public markets and explore a wide array of investment possibilities.

At Percent.com, we make it easier for investors to find and invest in private markets. Our platform connects investors with corporate borrowers, allowing them to participate in exclusive private credit deals. This simplifies the investment and portfolio management process, offering a seamless experience for our users.

Unlocking Investment Potential

Private markets present unique advantages for investors, including:

• The potential for higher yields compared to traditional investments
• Access to exclusive investment opportunities
• Diversification across different asset classes
• The ability to support promising businesses

By incorporating private market investments into their portfolios, investors can enhance their overall investment strategy and capitalize on these advantages.

A Closer Look at Private Credit

Private credit is one of the key segments within private markets. It involves investing in debt issued by non-public companies, including loans, bonds, and other credit instruments. Private credit investments typically offer attractive risk-adjusted returns and can be an excellent addition to a well-rounded investment portfolio.

“Private credit provides the opportunity to earn consistent income and potentially higher yields, making it an appealing asset class for investors seeking downside protection and stable cash flows.”

How Percent.com Can Help

Percent.com is dedicated to simplifying the private market investment process. Our platform connects accredited investors with corporate borrowers, enabling investors to participate in private credit deals that were once reserved for institutional investors. We provide comprehensive information and transparent access to exclusive investment opportunities, empowering investors to make informed decisions.

Benefits of Investing in Private Markets through Percent.com
Access to exclusive private credit deals
Diversification across different asset classes
Potential for high-yield returns
Transparent platform with comprehensive information
Expert support from our Investor Relations team

Start Exploring Private Markets Today

Don’t miss out on the investment opportunities available in private markets. Join Percent.com and unlock the potential of private credit investments to diversify your portfolio and achieve attractive returns. Get started now and experience the benefits of investing beyond the traditional limits.

How Percent.com Works

At Percent.com, we have created an innovative marketplace that connects investors with corporate borrowers, making investing in private credit seamless and transparent. Our platform simplifies the investment process, allowing investors to see and compare available deals with ease.

When you join Percent.com, you gain access to a transparent marketplace where you can explore a wide range of private credit investment opportunities. Our platform provides detailed information about each deal, including borrower details, loan terms, and expected returns. This transparency empowers investors to make informed decisions based on their investment goals and risk appetite.

Investors have the ability to specify their desired yield and minimum investment amount during syndication. This ensures that each investor’s parameters are met before they decide to invest. We believe in empowering our investors and giving them full control over their investment choices.

What sets Percent.com apart from other online investment platforms is our unwavering commitment to providing exceptional customer service. Our Investor Relations team is available to provide expert support and guidance throughout your investment journey. We pride ourselves on offering a white glove service that goes above and beyond to meet the needs of our investors.

Investing in private credit has never been easier. Join Percent.com today and experience the power of our borrower-investor connection in a transparent marketplace.

Highlighted Features:

• Transparent marketplace for private credit investments
• Access to detailed information about each investment opportunity
• Ability to specify desired yield and minimum investment amount
• Expert support from our Investor Relations team

Types of Private Credit Investments on Percent.com

When it comes to private credit investment options, Percent.com offers a diverse range of opportunities for investors to explore. Whether you’re looking for consumer loans, trade receivables, SMB loans, leases, cash advances, or corporate loans, Percent.com has you covered.

Consumer loans are a popular choice for investors looking to participate in installment loans, vehicle loans, and short-term unsecured loans. These loans provide an avenue to support individuals’ financial needs while offering attractive returns.

Investing in trade receivables involves purchasing a business’s accounts receivables at a discount. By doing so, investors can potentially earn steady returns while helping businesses manage their cash flow and expand their operations.

SMB loans, leases, and cash advances provide funding options for small and medium-sized businesses. These investments play a crucial role in fueling growth and supporting the aspirations of entrepreneurs nationwide.

For those interested in larger-scale opportunities, corporate loans and venture debt cater to the needs of larger corporations. These investments offer the potential for stable returns while supporting corporate initiatives and expansion plans.

Private Credit Investment Options on Percent.com

Investment Option	Description
Consumer Loans	Participate in installment loans, vehicle loans, and short-term unsecured loans.
Trade Receivables	Purchase a business’s accounts receivables at a discount.
SMB Loans, Leases, Cash Advances	Provide funding options for small and medium-sized businesses.
Corporate Loans	Invest in larger corporations’ borrowing needs.

By diversifying your portfolio with private credit investments on Percent.com, you can tap into various sectors, industries, and borrower profiles. This diversification not only helps spread risk but also provides growth potential and stability. Choose the investment options that align with your investment goals and risk tolerance to create a well-rounded portfolio.

Blended Notes and Diversification

At Percent.com, we provide investors with an innovative investment solution called Blended Notes. These notes offer a unique opportunity to achieve diversified investments by providing exposure to multiple private credit deals on our platform.

Blended Notes allow investors to expand their portfolios across different asset classes, industries, and geographies, ensuring broad diversification. By investing in Blended Notes, investors can mitigate risk and take advantage of the growth potential offered by various sectors and regions.

Here is an example of how Blended Notes can diversify investments:

Asset Class	Percentage Allocation
Consumer Loans	25%
Trade Receivables	20%
SMB Loans	15%
SMB Leases	15%
SMB Cash Advances	10%
Corporate Loans	10%
Venture Debt	5%

By allocating investments across multiple asset classes, investors can reduce the impact of any specific individual deal and enhance the overall risk-return profile of their portfolio. Blended Notes provide an effortless way to achieve this diversification, ensuring a well-rounded investment strategy.

Investing in Blended Notes is easy and accessible. The minimum investment requirement for Blended Notes is $5,000, making it feasible for a wide range of investors to participate in diversified private credit investments.

Additionally, Percent.com charges a competitive 1% assets under management fee for Blended Notes, allowing investors to benefit from professional portfolio management while keeping costs in check.

Experience the advantages of diversified investments through Blended Notes on Percent.com and take control of your financial future.

Pricing and Fees on Percent.com

When considering investing on Percent.com, it’s important to understand the pricing and fees associated with the platform. Let me break it down for you:

Individual Deals

For individual deals, Percent.com currently does not charge any management fees as of April 2024. However, it’s important to note that there may be fees in the future. These fees, if implemented, will be disclosed to investors, providing transparency and ensuring informed investment decisions. Individual deals on Percent.com typically have a minimum investment requirement of $500, making it accessible to a wide range of investors.

Managed Products: Blended Notes

For managed products like Blended Notes, Percent.com charges a 1% management fee. Blended Notes are diversified investments that provide exposure to multiple private credit deals on the platform. They offer investors the opportunity to achieve broad diversification across different asset classes, industries, and geographies. Blended Notes require a minimum investment of $5,000, allowing investors to build a well-rounded portfolio.

To provide a clear overview of the pricing and fees on Percent.com, here is a table summarizing the key points:

Investment Product	Management Fee	Minimum Investment
Individual Deals	No management fees*	$500
Managed Products: Blended Notes	1%	$5,000

*As of April 2024

It’s important to note that investment fees and minimum investment amounts are subject to change. The specific terms and conditions for each investment product on Percent.com will be clearly outlined to investors during the investment process.

Eligibility and Accreditation on Percent.com

As an investor on Percent.com, it’s important to understand the eligibility requirements and accreditation process. Currently, the platform is exclusively available to accredited investors. Accredited investors have the opportunity to access a wider range of investment opportunities, including private credit deals on Percent.com.

To be eligible as an accredited investor, you must meet certain criteria as set by the Securities and Exchange Commission (SEC). These criteria typically revolve around your income and net worth. The SEC defines an accredited investor as an individual who:

1. Has had an income of at least $200,000 annually for the last two years (or $300,000 in joint income with a spouse) and has a reasonable expectation of the same income level for the current year.
2. Has a net worth of at least $1 million, either individually or jointly with a spouse, excluding the value of their primary residence.

Becoming an accredited investor opens up a world of investment opportunities and allows you to participate in private credit deals on Percent.com. It’s important to note that being an accredited investor signifies a certain level of financial sophistication and understanding of the risks associated with alternative investments.

The Benefits of Accredited Investor Status

Gaining accredited investor status provides several advantages:

• Access: Accredited investors have access to exclusive investment opportunities that are not available to the general public. This includes private credit deals on Percent.com, where you can diversify your portfolio and potentially earn higher returns.
• Flexibility: Being an accredited investor gives you the flexibility to invest in a wider range of asset classes, helping you diversify your holdings and potentially mitigate risk.
• Investment Eligibility: Many alternative investments, including private credit deals, have specific eligibility requirements that only accredited investors can meet.

Accredited investors also have a greater level of financial freedom and can explore investment opportunities that may not be available to non-accredited investors.

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Benefits of Accredited Investor Status
Access to exclusive investment opportunities
Flexibility to diversify your portfolio
Eligibility for specific investment options

Historical Performance and Track Record of Percent.com

When it comes to investing, historical performance is a key factor that investors consider before making any decisions. So let’s take a look at the historical performance and track record of Percent.com.

As of March 31, 2024, Percent.com has demonstrated a remarkable historical weighted average return of 12.56% APY on mature deals. This impressive average return showcases the potential for high-yield investments available on the platform.

In addition, Percent.com has maintained a default rate of less than 2%. This low default rate indicates the platform’s dedication to maintaining a robust and reliable investment marketplace.

“The historical performance of Percent.com speaks for itself. With an average return of 12.56% APY and a default rate of less than 2%, it’s clear that the platform offers attractive investment opportunities with minimized risks.”

Furthermore, Percent.com has successfully paid out over $27.05 million in interest to investors. This significant payout reflects the platform’s commitment to delivering consistent returns to its investors.

In terms of deal performance, Percent.com has had a total of 341 deals fully repaid. This level of success further reinforces the platform’s track record in providing investors with short-term investment options that yield favorable returns.

Overall, the historical performance and track record of Percent.com highlight its ability to offer accredited investors high-yield, short-term investments with a low default rate.

Statistic	Value
Historical Weighted Average Return (APY) on Mature Deals	12.56%
Default Rate	Less than 2%
Total Interest Paid to Investors	$27.05 million
Total Deals Fully Repaid	341

Testimonials and Feedback from Investors

At Percent.com, we take pride in the positive experiences and feedback shared by our investors. Here are some testimonials highlighting their satisfaction with our platform:

“I have been investing with Percent.com for over a year now, and I couldn’t be happier with the results. The high-yield opportunities available on the platform have helped me achieve attractive returns and diversify my investment portfolio.” – Jennifer C.

“What sets Percent.com apart is their pre-vetted investment options. The platform has made it easy for me to access exclusive private credit deals, and I appreciate the transparency it provides throughout the investment process.” – Michael R.

Our investors have also praised our exceptional customer service:

“I cannot stress enough how satisfied I am with the customer service at Percent.com. The team is responsive, knowledgeable, and always willing to go above and beyond to ensure a seamless investing experience.” – Sarah M.

These testimonials and feedback from our investors demonstrate the positive experiences they have had while investing with Percent.com. From the ease of use to the ability to diversify portfolios and achieve attractive returns, our platform is designed to meet the needs of our investors in the private credit market.

Comparing Percent.com to Other Investment Platforms

When it comes to alternative investment platforms, comparing Percent.com to other options like Yieldstreet reveals distinct differences. While both platforms cater to accredited investors seeking alternative investment opportunities, Percent.com sets itself apart with its specialization in private credit investments, offering exclusive access to this highly lucrative asset class.

While Yieldstreet provides a wider range of alternative assets for investors to choose from, including real estate, art, and legal finance, Percent.com’s focus on private credit makes it an ideal choice for investors looking for high-yield opportunities. By concentrating on private credit investments, Percent.com offers accredited investors a unique chance to diversify their portfolios and potentially enjoy higher returns.

Platform	Specialization	Investment Options
Percent.com	Private Credit Investments	Consumer loans, trade receivables, SMB loans, SMB leases, SMB cash advances, corporate loans, venture debt
Yieldstreet	Wide Range of Alternative Assets	Real estate, art, legal finance, marine finance, commercial loans, litigation finance, consumer receivables

“As an accredited investor, I found that Percent.com offered a focused approach to private credit investing,” says John, a satisfied investor on Percent.com. “Their platform made it easy for me to access exclusive private credit deals, diversify my portfolio, and potentially achieve higher yields.”

If you’re an accredited investor seeking to explore private credit investments, Percent.com provides a tailored solution with its specialized approach and high-yield opportunities.

Conclusion

In conclusion, Percent.com is the go-to platform for accredited investors seeking to diversify their portfolios with high-yield, short-term private credit investments. With its clear focus on private credit and transparent marketplace, Percent.com offers an attractive option for investors looking to enhance their financial strategies. The platform’s track record of historical performance, boasting a weighted average return of 12.56% APY and a default rate of less than 2%, solidifies its reputation as a trusted choice in the alternative investment space.

Investors are advised to consider their risk appetite and conduct thorough due diligence before making any investment decisions. However, Percent.com provides the essential tools and support needed to make informed choices. The platform’s comprehensive borrower, deal, and market data enable investors to assess opportunities with confidence. Moreover, Percent.com stands out for its exceptional customer service and white-glove Investor Relations team, ensuring that investors receive personalized support every step of the way.

With its dedication to private credit investing, Percent.com sets itself apart from other platforms in the market. While alternative investment platforms like Yieldstreet may offer a broader range of asset classes, Percent.com’s specialization in private credit provides investors with exclusive access to this lucrative investment opportunity. By leveraging Percent.com, accredited investors can diversify their portfolios, achieve higher yields, and navigate the world of private credit with ease.

FAQ

What is Percent.com?

Percent.com is an alternative investment platform that allows accredited investors to invest in private credit deals.

What is private credit investing?

Private credit investing refers to investing in alternative assets like loans, bonds, and other credit instruments that are not publicly traded.

What are the benefits of private credit investing?

Private credit investing offers higher yields, lower volatility, and diversification opportunities compared to traditional investments.

How does diversification work in private credit?

Diversification in private credit involves spreading investments across different asset classes and industries to mitigate risk and improve returns.

What are the risks and considerations of private credit investing?

Investors should assess their risk appetite, conduct due diligence, and consider factors like creditworthiness, default risks, and market conditions.

Why should I invest in private markets?

Private markets offer a wider range of investment opportunities and can provide access to high-yield options not available in the public market.

How does Percent.com work?

Percent.com operates as a transparent marketplace that connects investors with corporate borrowers, simplifying the investment process.

What types of private credit investments are available on Percent.com?

Percent.com offers investments in consumer loans, trade receivables, SMB loans, SMB leases, SMB cash advances, and corporate loans.

What are Blended Notes?

Blended Notes are diversified investments that provide exposure to multiple private credit deals, allowing for broad diversification and risk mitigation.

What are the pricing and fees on Percent.com?

Percent.com charges variable fees depending on the investment product, with individual deals currently having no management fees and Blended Notes having a 1% management fee.

Who is eligible to invest on Percent.com?

Percent.com is currently only available to accredited investors who meet certain criteria set by the SEC, such as income and net worth requirements.

What is the historical performance of Percent.com?

As of March 31, 2024, Percent.com has a historical weighted average return of 12.56% APY on mature deals, with a default rate of less than 2%.

What do investors say about Percent.com?

Investors have praised Percent.com for its high-yield opportunities, pre-vetted investment options, and exceptional customer service.

How does Percent.com compare to other investment platforms?

Percent.com specializes in private credit investments, offering exclusive access to this asset class, setting it apart from broader alternative investment platforms like Yieldstreet.

Our Friends

• https://percent.com/
• https://millennialmoney.com/percent-review/
• https://www.wallstreetzen.com/blog/percent-review/