Frequently Asked Questions

Getting Started with Percent

How do I become an investor on the Percent platform?

Percent is currently only accepting accredited investors. In the long term, our mission is to expand opportunities to a wider investor base.

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.
How does Percent handle investor identity verification?

Percent uses an industry leading identity verification service for Know Your Customer (KYC) regulations. The service uses photo-based identity documents and artificial intelligence algorithms to confirm identities and raise flags on suspicious applicants.

I have been approved to invest, how do I fund my Percent account?

There are many ways to fund your Percent account. We accept wire transfers or ACHs. Typically, wire transfers clear on the same day or following day and ACH transfers take up to 5 calendar days. Once your funds have cleared, you will see the amount reflected in the balance of your Percent account, and you will be ready to invest.

Investing on the Platform

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.

Will I be notified of new offerings available for investment?

Yes, investors are notified via e-mail (unless you opted out), but it’s important to note there are different times at which you may be notified.

Rollover investors (those who participated in the previous offering) receive first priority to reinvest and will be notified first.

If you participated in the Dutch auction, and there is still room after rollover investors have been given the opportunity to invest, you would then be notified.

If you did not participate in the Dutch auction, you are notified after rollover investors and Dutch auction participants.

We encourage all investors to participate in the auction.

Are there fees to invest on the Percent platform?

As an investor, there are no fees to invest on the Percent platform at this time. Fees on the Percent Prime platform, however, do have related fees. You can read about that here.

What is the minimum amount of money I can invest?

At Percent, we are able to offer competitive minimums for our investments.

For Percent investments that are part of our short term note programs, the minimum you can invest in a deal is $500.

For Percent Prime investments, investment minimums vary per deal. It’s worth noting that, historically, deals on Percent Prime start at $5,000 or greater. Please see the individual deal page to verify the minimum investment amount required to take part in a deal before you decide to invest.

Lastly, if you are investing with an IRA via a custodian, the minimum you can invest in a deal is $2,500.

The investment has matured, how will I receive my money?

Upon maturity, the principal and yield of the investment will be transferred back into your Percent account. A credit will be reflected in your account balance. At this point, you may elect to transfer the funds to an external account or keep the balance in your Percent account to easily invest in the next opportunity.

Does the balance in my Percent account earn interest?

Unfortunately, not at this time. Since we are using a non-interest bearing custodian account, we will not be able to generate interest on your behalf.

What happens when an investment is not successful?

Percent has structured each investment to provide as much protection as possible for investors. Despite all of the precautions taken, there is always a risk of total loss of investment.

What happens to my investment if Percent is under financial strain?

We set up an industry standard layer of protection through Special Purpose Vehicles (SPVs). These SPVs are bankruptcy-remote legal entities that are solely created to service every investment on our platform. If Percent were forced to suspend its operations, a third party administrator will be automatically established to continue servicing your investment until the opportunity matures and your principal and distributions are paid.

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. Please note the minimum to invest with a provider is $2,500.


Our Underwriting Process

What type of investments does Percent offer?

Currently, Percent is offering short-term debt investments with competitive risk-adjusted returns. All offerings are securities exempt from SEC-registration under Regulation D, adhering to Rule 506(b). Returns are based on the performance of underlying assets such as factored invoices, and merchant cash advances that are selectively sourced through our originator partner network.

Do investment opportunities offered by Percent have any risk?

All investments carry risk. However, Percent minimizes risk and maximizes returns by thoroughly vetting every opportunity via a stringent proprietary risk framework.

How does Percent choose its partner originators?

Percent employs a rigorous vetting process for selecting partner originators. Originators must have a reputable management team, proven experience in the underlying asset classes, a track record of successful investments, and stringent due diligence and underwriting standards.

How Percent works on the Blockchain

What is a smart contract?

A smart contract is a codified agreement between two parties that substitutes the need for intermediaries to record, validate, and in some cases, execute the agreement. Smart contracts create an added layer of transparency and efficiency to make transactions automated and traceable.

What is a security token?

A security token is a digitized representation of ownership in any type of asset on a distributed ledger. Some examples are equity ownership in a private company, bondholders in a debt security, or lenders in a term loan recorded on Ethereum mainnet.

How is the blockchain being used?

Percent uses blockchain technology to unlock operational efficiencies. These efficiencies grant our investors access to attractive assets that were otherwise cost prohibitive to administer.

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The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Further, none of the information contained on this website is a recommendation to invest in any securities. By using this website, you accept our Terms of Use and Privacy Policy. Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections may not reflect actual future performance. All investments involve risk and may result in loss, including loss of principal. Percent does not render investment, financial, legal or accounting advice.