The new SMA offers investors tailored access to private credit with transparency, monthly income, and priority deal opportunities
Percent, a private credit marketplace specializing in asset-based lending, has introduced Separately Managed Accounts (SMAs), a new investment solution designed to bring more flexibility and control to investors. The launch comes at a time when interest in private credit is soaring, with new opportunities on the horizon that could soon include access through retirement vehicles like 401(k)s. For investors seeking diversification and yield in today’s market, the timing couldn’t be more relevant.
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Traditionally, SMAs have been reserved for large institutional players, leaving accredited individuals and smaller institutions on the sidelines. Percent’s move changes that dynamic. With this new offering, investors can set their own risk and return preferences, while Percent acts as the investment advisor curating, allocating, and managing investments to align with those pre-defined goals.
Nelson Chu, CEO of Percent, described this step as a natural evolution of the company’s marketplace. According to Chu, the SMA model allows investors to enjoy the benefits of private credit such as attractive yields, downside protection, and consistent monthly distributions without the operational complexities and startup costs that often come with direct investing. “With this new account type alongside our traditional self-directed accounts, we’re providing more choice to our rapidly growing investor base. We’ve combined transparency, control, and convenience in a way this asset class hasn’t seen before,” Chu said.
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Unlike self-directed investing, where individuals must analyze and allocate capital deal by deal, SMAs provide an advisor-like experience. Percent takes care of deal selection, servicing, and portfolio optimization, while still giving clients full transparency and the ability to customize based on their preferred risk-return parameters. The model also allows wealth managers and registered investment advisors to white-label the product under their own brand, offering a tailored solution without additional infrastructure.
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Chu summed up the vision by explaining that investors have long faced a trade-off: manage deals independently with little guidance, or give up control within a commingled fund. With Percent’s SMA offering, he believes investors can now have the best of both worlds personalized control combined with curated exposure.
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