Percent review

Updated September 30, 2026 · BrokerCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Percent suits experienced private credit investors who accept illiquidity for higher target income, with target return at 20% and minimum entry at $500. Oversight comes via FINRA, and secondary market availability adds exit flexibility though credit risk remains with each underlying borrower.

Key facts

Best for
Experienced investors seeking private credit income
Target return
20% (Source, checked September 30, 2026)
Minimum investment
$500 (Source, checked September 30, 2026)
Secondary market
Yes (Source, checked September 30, 2026)
Regulators
FINRA (Source, checked September 30, 2026)
Legal entity
Cadence Group, Inc. (Source, checked September 30, 2026)
Headquarters
United States (Source, checked September 30, 2026)
Founded
2018 (Source, checked September 30, 2026)
Support channels
Email, Chat (Source, checked September 30, 2026)
Official website
percent.com

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Target return of 20% sits above Groundfloor Finance at 9%.
  • Secondary market yes, which may help exit before maturity where buyers exist.
  • Regulatory footprint includes FINRA, supporting formal oversight.
  • Minimum entry at $500 keeps access defined for private credit allocations.

Cons

  • Support runs on email and chat only, which limits contact choice for urgent queries.
  • Minimum entry at $500 exceeds Lenme at $50, which limits small ticket access.
  • Target return of 20% carries credit risk, with Secondary market yes yet exit still tied to demand.
Percent

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Scored 8.5 / 10 by BrokerCue.

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Who it suits

  • Experienced investors seeking private credit yield with defined deal terms.
  • Investors able to meet entry at $500 and hold across maturities.

Who should look elsewhere

  • Investors seeking very small tickets may prefer Lenme for lower entry than Percent.
  • Investors seeking property backed notes may prefer Groundfloor Finance for its distinct asset focus.

Safety and regulation

Percent operates with oversight linked to FINRA. That link places activity under a recognised self regulatory framework for securities related business, with rules around conduct, disclosure and handling of client matters. Investors can check registration details through public registers using the platform name and corporate details. Oversight of that type does not remove market risk or credit risk, and it does not promise performance on any note. It sets standards for how business should be run, how conflicts should be managed, and how complaints should be handled. Readers comparing safety should weigh that regulatory link alongside deal structure, borrower quality, collateral terms where stated, and diversification. Documents tied to each offering remain central, since terms differ across borrowers and maturities. Where questions arise on status or scope of cover, direct clarification through published disclosures helps set fair expectations before funds are committed.

Where it sits among rivals

Among peers tracked here, Percent holds target return rank of 1 from 3 brands ranked on target return. That placement puts its headline income aim above the peer set covered in this comparison. On entry level, it holds minimum investment rank of 8 from 8 brands ranked on minimum investment. That entry rank signals higher starting commitment than many rivals in the same peer group. The trade off is therefore clear for readers weighing income aim against ticket size. Those prioritising headline yield may place weight on the return rank, while those managing budget or diversification may place weight on the entry rank. Both ranks reflect the current comparison set and can shift as peers update terms or as coverage expands. Readers should read rank alongside deal risk, maturity, liquidity and fee treatment before drawing conclusions on value.

Returns and risk

Percent centres its pitch on target return of 20% across private credit opportunities. That figure is an aim before defaults, delays and charges, not a promise of payout on any single note. Returns flow from borrower repayments, so late payment, restructuring or default can lower realised income and, in adverse cases, reduce principal returned. Maturity, seniority, collateral and underwriting standards vary by deal, which means headline yield alone does not show risk. Secondary market yes gives holders a route to offer notes for sale before maturity, though execution depends on buyer demand and price acceptance. Where demand is thin, sellers may accept discount or continue to hold until scheduled payment. Investors manage exposure by spreading across borrowers, maturities and structures, while keeping cash needs in mind since private credit can remain illiquid for stretches.

How Percent compares

Where Percent is available

Licence in United States
FINRA, checked September 30, 2026

Frequently asked questions

What target return does Percent advertise+

Percent publishes target return of 20% for its private credit notes, before fees and defaults. Actual payout varies by deal and borrower performance, so results can sit above or below target. Diversification across deals may soften single borrower impact, though credit loss remains possible.

What is the minimum investment on Percent+

Minimum entry sits at $500, applied per investment within each offering. Investors should hold cash available beyond that level to allow diversification across deals. Larger allocations remain possible where deal terms permit additional participation.

How is Percent regulated+

Oversight includes FINRA, which provides a formal regulatory footprint in the stated market. Regulation does not remove credit risk or guarantee returns. Investors should review offering documents and understand borrower risk before committing capital.

Can investors exit early on Percent+

Secondary market yes, so investors may list notes for sale before maturity where buyers exist. Liquidity depends on demand, pricing and deal status, so early exit is not assured. Holders unwilling to sell at discount may need to wait until scheduled repayment.

How can investors contact Percent support+

Support runs on email and chat, with help provided through written channels rather than branch visits. Investors can ask about accounts, offerings and transactions through those routes. Response timing may vary with query volume and deal activity.

Who operates Percent+

The operating company is disclosed as Cadence Group, Inc., domiciled in the United States and founded in 2018. That structure helps investors identify the counterparty behind the platform. Account terms, disclosures and deal documents should be read alongside that corporate detail.

Sources

Compiled from 4 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Buyback guarantee.

Percent

Percent

Experienced investors seeking private credit income

8.5/10See alternatives

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