Earn yield through peer-to-peer lending, business loans, real estate debt, and alternative credit opportunities. Access institutional-grade credit deals.
Compare and choose the best platform for your private credit investments
Private credit marketplace
Real estate debt investing
Peer-to-peer lending marketplace
Personal loan investing
Litigation finance investing
Invest in local businesses
Asset-backed credit marketplace
5% fixed-rate bonds
Income-focused real estate REIT
Inventory financing for consumer brands
Microfinance and emerging market investing
Simple 5% bonds backed by American businesses
Alternative credit marketplace
Earn interest from Republic's portfolio
Private credit involves lending money directly to businesses or individuals outside traditional banks. You earn fixed interest income from loans, including business loans, real estate debt, consumer loans, or specialty debt like litigation financing. Returns typically range from 6-15% annually.
Private credit carries default risk - borrowers may fail to repay loans. However, many platforms mitigate this through: collateral requirements, first-lien positions, diversification across many loans, and rigorous underwriting. Higher returns reflect higher risk compared to savings accounts or bonds.
They're similar but not identical. P2P lending (like Prosper, LendingClub) focuses on consumer loans. Private credit platforms (like Percent, Yieldstreet) often target business loans, real estate debt, and institutional-grade credit opportunities. Private credit typically offers higher minimums but potentially better risk-adjusted returns.
Private credit returns vary by loan type: consumer loans 5-10%, real estate debt 8-12%, business loans 10-15%, and specialty credit (litigation, factoring) 12-18%. Higher returns indicate higher risk. Diversification across multiple loans is essential to manage default risk.
Yes, several private credit platforms offer IRA eligibility including Yieldstreet and some offerings on Percent. This allows you to earn fixed income returns tax-deferred or tax-free (Roth IRA), making private credit an attractive retirement portfolio diversifier.
Most private credit investments are illiquid until loan maturity (typically 6 months to 5 years). Unlike stocks, you can't easily sell your loan positions. Plan to hold investments until maturity. Some platforms offer redemption options but with restrictions or penalties.
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