Percent Review: A True Alternative Investing Platform

Increasingly more traders are on the lookout for different belongings not correlated to shares or bonds. One of many methods you’ll be able to diversify is thru peer-to-peer lending. On this article, we’re taking an in depth take a look at one such platform, known as P.c.

However how does P.c examine to different different funding apps like Lending Membership, Fundrise, and Worthy? On this P.c evaluate, I’ll let you understand how the platform works and canopy all the things from pricing to professionals and cons. I’ll let you recognize what kind of investor will wish to think about coping with P.c.

Desk of Contents
  1. About P.c
  2. P.c At-A-Look
  3. What Investments Does P.c Supply?
    1. Non-public Notes
    2. Blended Notes
    3. Enterprise Investing
  4. How Do You Signal-up with P.c?
  5. P.c Charges
  6. P.c Execs and Cons
  7. P.c Alternate options
    1. Yieldstreet
    2. Fundrise
    3. Worthy 
  8. Ought to You Join with P.c?
  9. FAQs

About P.c

In case you’re conversant in platforms like Lending Membership and Prosper, you’ll have a fundamental concept of what P.c is all about. It capabilities as a peer-to-peer lending platform the place traders put money into loans requested by debtors on the positioning. It’s a type of crowdfunding that’s turning into more and more in style as each an funding car and a supply of capital for enterprise.

Primarily based in New York Metropolis, P.c launched in 2018 and is quick turning into a pacesetter in asset-backed and company lending. The corporate has funded over $1 billion in mortgage transactions so far, with loads of room to develop within the multi-trillion-dollar non-public credit score trade.

As an investor, P.c will give you a possibility to take part in non-public credit score offers. These symbolize an alternate funding as soon as obtainable solely to massive establishments and rich people.

Non-public credit score is turning into an more and more necessary asset class as a result of it’s a real different funding. Meaning it’s not correlated with the inventory or bond markets. You’ll be able to earn strong returns, even when the monetary markets are in a critical downturn. It gives diversification inside a portfolio in any other case full of inventory market investments.

With P.c, you’ll be able to select from a big collection of high-yield, short-duration non-public credit score investments. As a result of there are a number of offers to select from, you’ll be able to choose those that may work finest for you.

Be taught Extra About P.c

P.c At-A-Look

  • Investments provided: Quick-term debt devices and funds that put money into them.
  • Eligible traders: P.c is open to accredited traders solely. That standing requires a excessive revenue, belongings, or a mix. You may additionally qualify when you have sure skilled designations associated to investing. 
  • Out there account varieties: Taxable funding accounts and particular IRA accounts referred to as self-directed IRAs (SDIRAs), which have to be dealt with by a devoted SDIRA trustee.
  • The minimal funding required: As little as $500, however some investments might require a bigger preliminary funding.
  • Cell app availability: Android and iOS units.
  • Customer support: Cellphone and e mail assist, Monday by Friday, 9:30 AM to six:30 PM, Japanese time.
  • Account safety: P.c employs commercially cheap safeguards to guard and safe your private info. For instance, private info is just not retained any longer than vital. It’s periodically reviewed and can both be erased or anonymized when it’s not wanted.

P.c money deposits are insured by the FDIC for as much as $250,000 per depositor. Buyers have the choice to make use of two-factor authentication so as to add an additional layer of safety to their accounts.

What Investments Does P.c Supply?

P.c gives traders a selection of personal notes, blended notes, and enterprise investing. I clarify every in additional element beneath:

Non-public Notes

P.c gives non-public credit score funding alternatives, resembling privately negotiated loans and debt financing. As an investor on the platform, you’ll be making loans on to debtors, that are largely small companies.

The idea is enticing to small companies that can’t acquire financing from banks. They’re additionally too small to drift bond points within the bond market, leaving them with restricted choices for financing. As an investor on the P.c platform, you’ll present funding in trade for a better charge than you will get in standard fixed-rate investments.

Non-public credit score has the benefit of offering increased returns than you’ll be able to earn on standard investments, like Certificates of Deposit (CDs) and bonds. And since they’re not correlated with the monetary markets, it’s possible you’ll earn optimistic returns, even when markets are down.

A mortgage portfolio may be diversified to incorporate small enterprise lending in Latin America, Canadian mortgages, US service provider money advances, and company debt.

Loans can embrace any of the next:

  • Shopper loans
  • Commerce receivables
  • Mid-sized enterprise (SMB) loans
  • SMB money advances
  • SMB leases
  • Company loans

With P.c, you’ll be able to take part in non-public debt offers for as little as $500. Phrases vary from 9 months to a few years. Returns have been as excessive as 20% however extra generally fall within the 15% vary.

P.c reviews the next efficiency results of their non-public notes:

screenshot of percent performance

Blended Notes

P.c additionally gives blended notes which provide publicity to a number of notes throughout completely different asset lessons and geographic places. You’ll be able to select an funding quantity, and P.c will use an algorithm designed to prioritize each diversification and funding returns.

Blended Notes can be found for a minimal preliminary funding of $5,000 and require a 1% administration price.

Enterprise Investing

P.c means that you can put money into debt targeted on high-growth, venture-backed firms. This contains short-term debt investments with increased yields. They supply financing to firms between fundraising rounds. As soon as that fundraising has been obtained, the notes are paid off. Enterprise investing gives fast-growing companies entry to capital within the type of debt slightly than fairness positions, which is typical with enterprise capital companies.

Described on the web site as “The Alternate options’ Different,” you’ll be able to put money into enterprise investing for as little as $500. In contrast to non-public notes, enterprise investing offers are collateralized by the entire belongings of the borrowing entity, typically even together with mental property.

Be taught Extra About P.c

How Do You Signal-up with P.c?

There isn’t any price to open a P.c account. When you enroll on their web site, you’ll have entry to the funding alternatives on the platform. P.c requires you to take the next steps to start out:

  1. Join. P.c will ask you in your state ID or passport to confirm your id. You’ll additionally want to point you qualify as an accredited investor. To qualify, you have to be high-income, high-net-worth, or each.
  2. Fund your account. As soon as P.c has accepted your account, you’ll must fund it. You are able to do this by wire switch or ACH out of your checking account. Wire transfers will clear on the identical or the next day, whereas ACH transfers can take as much as 5 calendar days. You’ll be able to start investing as soon as your funds have cleared your account.
  3. Signal-up bonus: P.c at present pays a money bonus of as much as $500 if you open a brand new account and make your first funding. The bonus payout schedule is as follows:
percent signup bonuses

P.c Charges

There are not any charges to put money into non-public notes with P.c. As an alternative, P.c collects charges from debtors on the platform. Nonetheless, P.c is predicted to alter that association sooner or later. P.c plans to modify to gathering an quantity equal to 10% of the curiosity paid by a borrower on a be aware.

Meaning if a be aware pays 15%, P.c will acquire 1.5%, and the investor will obtain 13.5%. For blended notes, P.c prices a 1% annual administration price.

P.c Execs and Cons


  • Low minimal funding of $500
  • Potential for prime returns
  • Alternative to diversify your funding throughout a number of completely different notes
  • Buy non-public notes, blended notes, or enterprise investing
  • as much as $250,000 in FDIC protection on funds held on deposit


  • Have to be an accredited investor
  • IRAs require a particular kind of trustee, known as a self-directed IRA (SDIRA)
  • Money held on the platform doesn’t earn curiosity

Be taught Extra About P.c

P.c Alternate options

If P.c isn’t the fitting different funding platform for you, you do produce other selections. The next P.c options are price contemplating.


Yieldstreet is one other funding crowdfunding platform providing to put money into different asset lessons. They supply all kinds of asset choices, together with single and multifamily actual property, business finance, authorized choices, marine choices, and even investments in blue-chip artwork offers. They even provide an aviation fund so you’ll be able to earn earnings from business plane leasing.

Just like P.c, Yieldstreet does require you to be an accredited investor. You can even put money into short-term notes, with increased yields than certificates of deposit and high-interest financial savings accounts.

In case you desire to put money into a diversified fund that gives all of the above asset lessons, Yieldstreet gives its Prism Fund. The minimal required funding is $2,500. Be taught extra in our Yieldstreet evaluate.

Be taught Extra About Yieldstreet


Fundrise is a superb selection in case you are particularly thinking about actual property investing. It has the benefit of enabling you to take part in actual property offers with out the necessity to buy properties outright. You’ll be able to take part in business actual property offers for as little as $10. There isn’t any requirement so that you can be an accredited investor.

Fundrise lets you put money into eREITs and eFunds – non-public investments obtainable solely on the Fundrise platform – by which you’ll maintain your actual property investments. Fundrise gives 5 completely different plans, every with its personal minimal preliminary funding, funding, composition, and anticipated returns.

Additionally they provide goal-based investing, the place you’ll be able to select a supplemental revenue, long-term development, or balanced investing. It’s one of many prime actual property crowdfunding platforms within the trade. Try our Fundrise evaluate for extra particulars.

Be taught Extra About Fundrise


Worthy often is the funding platform most carefully associated to P.c. That’s as a result of additionally they present investments in debt-related securities. Worthy gives investments in non-public bonds, which they confer with as Worthy Bonds. On the time of this writing, these bonds pay 5.73% APY, and you should buy them in denominations of as little as $10.

One of many benefits of Worthy is that they safe their bonds. They’re asset-backed loans to small companies, however Worthy holds as much as 40% of your funding in a mixture of actual property, US Treasury securities, and certificates of deposit.

Accredited traders can make investments as much as $50,000 within the bonds, however in case you are a non-accredited investor, you may be restricted to investing not more than 10% of your annual revenue. Be taught extra in our Worthy Property Bonds evaluate.

Be taught Extra About Worthy Bonds

Ought to You Join with P.c?

In case you’re an accredited investor seeking one other different asset so as to add to your portfolio, the small enterprise notes P.c gives could be a good match. 

At the same time as an accredited investor, you need to keep solely a small proportion of your portfolio with P.c. Like most different investments, the notes provided by P.c carry further danger, which is the tradeoff for the upper return potential.


Is P.c dangerous?

Most investments carry some degree of danger, and P.c isn’t any completely different. P.c investments are speculative in nature, and P.c doesn’t assure your principal. There’s a probability that you possibly can lose cash. It’s one of many causes that P.c is simply open to accredited traders who’ve the power to diversify their investments and handle the dangers sufficiently.

Is P.c just for accredited traders?

Sure. To qualify as an accredited investor, you need to meet the next pointers:

– Internet price over $1 million, excluding the first residence (individually or with partner or accomplice)
– Revenue over $200,000 (individually) or $300,000 (with partner or accomplice) in every of the prior two years,
and fairly expects the identical for the present yr, or
– You have to qualify primarily based on sure skilled standards.

You’ll be required to certify your self as an accredited investor on the P.c platform.

How does P.c funding work?

When you join the platform, certify your self as an accredited investor, and fund your account, you’ll be able to start investing. You’ll put money into non-public notes to small companies for at least $500 every. However you can even put money into a portfolio of personal notes by P.c’s Blended Notes program.

And in case you are on the lookout for much more distinctive funding alternatives, you can even make investments by Enterprise Investing, offering financing to high-growth venture-backed firms. 



  • Low minimal funding of $500
  • Potential for prime returns
  • Alternative to diversify your funding throughout a number of completely different notes
  • Buy non-public notes, blended notes, or enterprise investing
  • as much as $250,000 in FDIC protection on funds held on deposit


  • Have to be an accredited investor
  • Money held with P.c does not earn curiosity
  • IRAs require a particular kind of trustee, known as a self-directed IRA (SDIRA)