Percent vs Supervest

Percent Overview

Percent is best suited for investors who want accredited investors seeking higher yields through private credit exposure with relatively low minimums ($500), who can tolerate illiquid investments and understand default risks associated with lending to middle-market companies. The platform, Percent manages $350M in assets.

With a minimum investment of $500, Percent requires accredited investor status. The platform does not currently offer a secondary market and requires manual investment selection.

Key Strengths:

• Low minimum investment of $500 makes private credit accessible to retail accredited investors
• Competitive fee structure at 1% management fee plus 10% of yield, below industry standards
• Strong historical returns averaging 14.47% for matured deals with 14.9% in 2024
• Transparent fee disclosure and pricing model

Key Drawbacks:

• Requires accredited investor status, limiting accessibility to high-net-worth individuals
• Capital is illiquid and locked in for the duration of each deal
• 3.51% charge-off rate indicates default risk in portfolio

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Supervest Overview

Supervest is an alternative investment platform focused on private credit. The platform, Supervest has built a growing investor base.

Supervest is open to all investors regardless of accreditation status. The platform does not currently offer a secondary market and requires manual investment selection.

Key Strengths:

Key Drawbacks:

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Head-to-Head Comparison

Fees & Costs

Percent carries a fee rating of 4.0/5, with fees structured as: 1% on Blended Notes; 0% on single note offerings; Performance: 10% of yield (variable by product). Supervest scores 3.0/5 on fees, charging: Not disclosed.

Edge: Percent. Lower cost structure gives investors more of their returns.

Minimum Investment

Percent requires $500 to get started, while Supervest requires N/A. Percent's lower minimum makes it more accessible for new investors.

Edge: Percent. Lower barrier to entry.

Accreditation Requirements

Percent requires accreditation. Supervest does not require accreditation.

Edge: Supervest. Open to all investors.

Liquidity

Percent offers illiquid investments. Supervest provides semi-liquid investments.

Edge: Tie. Similar liquidity profiles.

Ease of Use

Percent scores 3.5/5 for ease of use and offers a mobile app. Supervest scores 3.8/5 and also has a mobile app.

Edge: Supervest. Better overall user experience.

Transparency

Percent earns a 3.5/5 transparency rating. Supervest scores 3.0/5.

Edge: Percent. More transparent reporting and disclosures.

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Who Should Choose Percent?

Percent is the better choice if you:

• Want to start investing with a low minimum
• Meet accredited investor requirements and want premium deal flow
• Are interested in private credit as an asset class
• Prefer to hand-pick your investments

Who Should Choose Supervest?

Supervest is the better choice if you:

• Are comfortable with a N/A minimum investment
• Are a non-accredited investor looking for access to alternatives
• Are interested in private credit as an asset class
• Prefer to hand-pick your investments

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Verdict

Winner: Percent. With 3.8/5 overall rating versus Supervest's 3.4/5, Percent edges ahead with better fees. That said, Supervest may be the better fit if you specifically need private credit.

For most investors exploring alternatives, we recommend starting with Percent — but consider your specific goals before committing.

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FAQ

Is Percent or Supervest better for beginners?

Both platforms have similar entry points. Additionally, Supervest doesn't require accreditation, making it accessible to more new investors.

Can I use both Percent and Supervest?

Yes. Many alternative investment portfolios benefit from diversification across platforms. Percent and Supervest overlap in some asset classes but may offer different deal structures, fee models, and investment approaches.

Which platform has better returns?

Historical returns vary by specific investment and time period. Percent has a higher overall rating, but past performance doesn't guarantee future results. Both platforms provide different risk-return profiles depending on the specific offerings you choose.

Are Percent and Supervest safe?

Both platforms are legitimate, regulated investment services. Percent is regulated by SEC. As with all alternative investments, there is inherent risk — these are generally illiquid, long-term investments and not FDIC insured.