New SMA offering gives investors curated exposure to asset-based private credit with full portfolio transparency, monthly income, and priority access to direct deals
Percent, the private credit marketplace platform focused on asset-based lending, today announced the launch of Separately Managed Accounts (SMAs), a new investment solution that delivers the customization and control of direct investing, combined with the simplicity and service of a managed portfolio. Launching now amid surging demand for private credit, and with potential access pathways through 401(k)s and other retirement vehicles on the horizon, the offering meets a critical moment for investors seeking diversification and yield in today's market.
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SMAs are an industry-standard structure for large institutional investors, but until now have been largely unavailable in private credit for accredited individuals and smaller institutional investors. The new offering allows investors to define their risk and return preferences while Percent serves as the investment advisor, curating, allocating, and managing investments that fit those pre-defined parameters.
“This is the natural evolution of our marketplace,” said Nelson Chu, CEO of Percent. “Our SMA offering gives investors all the benefits of private credit including attractive yields, downside protection, and monthly distributions, with none of the operational burdens or startup costs. This new account type alongside our traditional self-directed accounts provides more optionality to our fast growing investor base demanding more from us. We've combined transparency, control, and convenience in a way that hasn't existed in this asset class before.”
Percent SMAs offer:
— Attractive risk-adjusted returnsrelative to other public and private fixed income alternatives
— Tailored portfoliosbuilt around pre-set investment mandates
— Exclusive accessto private deals with select borrowers
— Priority allocationsto oversubscribed deals
— Full visibilityinto portfolio and deal performance through a user-friendly dashboard
— Lower feesthan traditional alternative asset managers
Unlike self-directed investing, where users must analyze and allocate capital directly on a deal by deal basis, Percent's SMA investors benefit from an advisor-like experience. Percent handles deal selection, servicing, and portfolio optimization, all while offering full transparency and customization based on the risk-return parameters of each client.
The product also supports white-label capabilities for RIAs and wealth managers, allowing them to offer custom-named solutions under their own brand with no additional infrastructure.
“Until now, investors had two options, go at it alone with self-directed deals or give up control in a commingled fund,” said Chu. “With SMAs, they get the best of both worlds: curated exposure with personalized control. It's a fundamentally better product.”
For more information or to build your custom SMA portfolio, visitwww.percent.com
About PercentPercent is unlocking private credit and providing unparalleled access through its modern private credit market, empowering investors, borrowers, and managers with innovative technology to increase the speed and frequency of transactions at a fraction of the cost. Founded in 2018, the New York-based fintech, FINRA-registered broker-dealer and SEC exempt reporting advisor has facilitated over $2 billion in private credit transaction volume across asset-based securities and secured corporate loans since inception. By streamlining everything from deal sourcing and structuring to syndication and servicing, Percent creates an ecosystem where investors can discover vetted private credit deal flow while borrowers tap into flexible, competitively priced debt capital. Backed by leading venture capital firms including Susquehanna, White Star Capital, and B Capital Group, Percent is poised to become the market standard infrastructure for private credit, unlocking a fast-growing and ever-evolving asset class.
Learn more at www.percent.com, or follow the company on LinkedIn, X, and Instagram.
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SOURCE Percent
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