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Percent: The Private Credit Trojan Horse
Democratizing institutional-grade credit with 65 employees and $3.5M in revenue
While traditional banks gatekeep credit access, Percent is quietly building the infrastructure to turn private credit into a liquid, retail-friendly asset class. They're not just another fintech—they're the operating system for the future of private markets.
"They're not disrupting banks—they're making them obsolete by turning institutional credit into a commodity."
The Invisible Empire
With zero public traffic data and no organic keywords tracked, Percent operates in stealth mode despite being publicly accessible. This isn't accidental privacy—it's strategic positioning. They're building an institutional-grade platform that doesn't need SEO because their users come from direct relationships, not Google searches. Their LinkedIn shows 500+ connections, but the real network is invisible: the institutional sales team led by Bryan Pham and Anthony Philips is likely closing deals that never touch the public web.
The $3.5M Paradox
For a fintech with $3.5M in revenue and 65 employees, the math screams enterprise B2B. That's ~$54k per employee—either they're in heavy R&D mode or their revenue is wildly understated. The reality? They're likely in the 'land and expand' phase: onboarding institutional borrowers first, then layering on retail investors later. This is the classic infrastructure play: build the rails first, worry about traffic later.
Their tech stack tells the real story. Built on jQuery and Tailwind CSS with Cloudflare protection, they're prioritizing reliability over flash. PostHog and Clarity tracking suggest they're obsessively measuring every click—critical for a platform handling millions in credit transactions. The lack of modern frameworks (React, Vue) isn't a weakness; it's a signal they're building for stability, not virality. When you're dealing with private credit, uptime beats innovation.
- Institutional-grade underwriting meets retail accessibility
- Direct-to-borrower model bypasses traditional banking layers
- Invisible infrastructure: zero SEO, 100% direct relationships
- Team composition: 1 VP + 2 Head of Sales = B2B-first DNA
The Silent Disruptor
While competitors chase viral growth, Percent is building the plumbing for the next $10T in private credit. They're not a consumer app—they're the infrastructure layer that makes private credit tradable, scalable, and eventually, liquid.
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Percent | Private credit investing. Simplified.
Unlock private credit investments with Percent. Access alternative investments on the platform powering the future of private markets.
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About mypercent.com
Unlock private credit investments with Percent. Access alternative investments on the platform powering the future of private markets.
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mypercent.com uses 18 technologies across their website including Google Fonts, reCAPTCHA, Webflow, and more.
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