Get started with Percent

Learn what it means to invest with Percent. From first-time investors to market mainstays, we have all the resources you need to start investing today.

How Percent works

Investing on Percent is simple and intuitive for investors at any level. 

Create your account

Sign up for a Percent account, verify your identity, and fund your account to start investing.


 You will receive notifications to join one of our Dutch auctions or invest in a note directly.

Invest again in the next note or simply withdraw your principal and interest into your account.

Make your first investment on Percent

An educated investor is a savvy investor. Before you begin, get acquainted with investing in private credit deals on Percent.

Set up your account

Create a free Percent account in minutes. Simply sign up to start investing today.

You need a state ID or passport to verify your identity.


More than 85% of our investors have participated in more than one offering.

Make your first investment

Learn everything you need to know before you make your first investment.


Since launching our Dutch auction in 2020, we've received over 15,000 auction bids.

Track your investment

Stay on top of your investment's performance and explore future investment opportunities.


We regularly release an educational podcast available on the platform of your choice.  
Spotify | Apple

Frequently Asked Questions

How do I know that I am an accredited investor?

There are several ways of establishing accredited investor status:

  1. You have earned income that exceeded $200,000 (or $300,000 together with a spouse) in each of the prior two years, and reasonably expect the same for the current year

  2. You have a net worth over $1 million, either alone or together with a spouse (excluding the value of the person’s primary residence).

  3. You are an investor with certain professional certifications, designations, and/or credentials, including Series 7, Series 65, and Series 82 licenses while qualifying as “natural persons.” (Investors with other licenses are to be considered and added in the future.)

  4. You are an investor with a “spousal equivalent,” or a spouse of an accredited investor who pools their assets along together to meet the previous net worth and/or income requirements for accredited investors. (Eg. If you are married to an accredited investor and share monetary resources, you are now also an accredited investor.)

  5. You are “knowledgeable employees” of a private fund.

  6. Limited Liability Companies (LLCs) and Family Office entities with $5 Million assets under management. SEC- and state-registered investment advisers (but not reporting advisors) of these entities can also now be considered accredited investors.

  7. Entities including Native American tribes, governmental bodies, funds, and entities “organized under the laws of foreign countries” with investments over $5 million — as long as they  were not formed solely to invest in a specific accredited investment.

Are my deposits insured by FDIC?

Yes, your funds are held at Signature Bank, an FDIC-insured bank. Funds deposited with Percent are insured up to $250,000, the maximum amount allowed by law.

Please note that if you have additional accounts at Signature Bank, your funds will be covered up to $250,000 for all insured deposits that are maintained with Signature Bank.

Are there fees to invest on the Percent platform?

Most offerings on the Percent platform have no fees. Some of our offerings under the Percent Prime banner do include fees. Click here to learn more about our overall fee structure for Percent Prime investments.

Can I invest with a self-directed IRA?


We’ve recently partnered with Alto IRA to make it easier to invest your SDIRA on Percent. And if you have a self-directed IRA through another provider, please reach out to us if you have any questions on how to get started.