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Before AI vs After AI - AI Spotlight (Part 1)

Private Credit Belongs in the Fixed-Income Sleeve. Against Those Benchmarks, the Numbers Aren't Close.

For the trailing twelve months ending March 31, 2026:† ·

  • Percent ABS: 14.6% net returns after losses

  • High-yield bonds: 8.9%

  • Leveraged loans: 6.1%

  • Investment-grade bonds: 4.5%

Private credit isn't an equity substitute. It belongs in the fixed-income sleeve — and against bond benchmarks, the performance gap is hard to dismiss. A collateralized loan with a fixed coupon and a defined repayment schedule fills the same portfolio role as a bond, with different terms and a different risk profile.

What you access on Percent:†

  • 17.0% current weighted average coupon rate

  • 93.5% of performing deals pay monthly fixed-rate coupons

  • Deal terms 6–24 months

  • Full borrower documentation before you commit a dollar

  • Starting at $500 $2B+ total issuance. 1,000+ deals. 60,000+ accredited investors. 0.44% lifetime net loss rate on asset-based deals.

Alternative investments are speculative. No assurance can be given that investors will receive a return of their capital. †Past performance is not indicative of future results. Benchmark indices shown for market context only and are not directly comparable to Percent's performance. Terms apply.

Before AI vs After AI - AI Spotlight (Part 2)

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