Percent

Percent (formerly Cadence) is a specialized investment platform that gives accredited investors access to private credit opportunities. Private credit involves lending money to companies (borrowers) outside of the traditional banking system. Deals on Percent often include short-term notes backed by assets like small business loans, merchant cash advances, or corporate trade receivables.

The platform offers attractive yields, often ranging from 10% to 15% APY, with relatively short durations (average 9 months). Percent provides institutional-grade data and transparency on every deal, allowing investors to analyze performance history and default rates. It is a legitimate alternative investment platform for diversifying a portfolio into debt assets that are less correlated with the stock market.

Frequently Asked Questions

1. Who can invest?

Percent is open exclusively to accredited investors (meeting income or net worth thresholds).

2. specific minimum investment?

The minimum investment is typically $500 per deal, which is low for the private credit asset class.

3. How risky is it?

Private credit carries risk, including borrower default; Percent provides historical data but returns are not guaranteed.

4. How do I get paid?

Interest and principal are paid into your Percent account upon the maturity of the note or on a monthly schedule.

5. specific fees?

Percent charges a fee on the interest generated, typically around 10% of the yield, which is disclosed in each offering.