Percent vs Worthy Bonds

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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Worthy Bonds Overview

Worthy Bonds is best suited for investors who want conservative retail investors seeking modest fixed-income returns with very low entry costs, acceptable to those comfortable with illiquid, non-FDIC-insured securities backed by real estate collateral. NOT suitable for investors needing access to capital or those unable to tolerate total loss.. Founded in 2016 and headquartered in Boca Raton, Florida, USA, Worthy Bonds has built a growing investor base.

With a minimum investment of $10, Worthy Bonds is open to all investors regardless of accreditation status. The platform does not currently offer a secondary market and supports auto-invest features.

Key Strengths:

• Very low minimum investment ($10) makes it accessible to retail investors
• No purchase or withdrawal fees, no advisory fees charged to investors
• Fixed, predictable returns (5-7% annually) with daily compound interest
• Auto-invest and round-up features available via mobile app for convenience

Key Drawbacks:

• Bonds are highly illiquid securities with no public secondary market
• Recent major insolvency: Worthy Peer Capital II declared bankruptcy (Feb 2026) with total loss to bondholders
• Not FDIC insured unlike traditional bank investments

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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). Worthy Bonds scores 4.5/5 on fees, charging: 0%; 0%; Performance: 0%.

Edge: Worthy Bonds. More competitive fee structure overall.

Minimum Investment

Percent requires $500 to get started, while Worthy Bonds requires $10. Worthy Bonds's lower minimum makes it more accessible for new investors.

Edge: Worthy Bonds. Lower barrier to entry.

Accreditation Requirements

Percent requires accreditation. Worthy Bonds does not require accreditation.

Edge: Worthy Bonds. Open to all investors.

Liquidity

Percent offers illiquid investments. Worthy Bonds 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. Worthy Bonds scores 3.5/5 and also has a mobile app.

Edge: Tie. Both platforms offer solid user experiences.

Transparency

Percent earns a 3.5/5 transparency rating. Worthy Bonds scores 1.5/5.

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 Worthy Bonds?

Worthy Bonds is the better choice if you:

• Want to start investing with a low minimum
• Are a non-accredited investor looking for access to alternatives
• Are interested in private credit as an asset class
• Prefer a hands-off, auto-invest approach

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Verdict

It's a close call. Both Percent and Worthy Bonds are strong platforms that serve slightly different investor needs. Percent stands out for accredited investors seeking higher yields through private credit exposure with , while Worthy Bonds excels at conservative retail investors seeking modest fixed-income returns with very low . Your best choice depends on your investment goals, budget, and whether you need accreditation.

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 Worthy Bonds better for beginners?

Worthy Bonds is generally more beginner-friendly with its $10 minimum investment compared to Percent's $500. Additionally, Worthy Bonds doesn't require accreditation, making it accessible to more new investors.

Can I use both Percent and Worthy Bonds?

Yes. Many alternative investment portfolios benefit from diversification across platforms. Percent and Worthy Bonds 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 Worthy Bonds safe?

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