Invest in private credit deals
Invest in startups and venture funds
Investments
$500
Investors can enter the private credit market via Percent with a minimum of $500, accessing a variety of asset-based securities and corporate loans.
Investments
$10,000
The minimum investment amounts on the OurCrowd platform are as follows: $10,000 for individual company investments, $5,000 per company with a $25,000 balance transfer for a Portfolio Select Account, and $50,000 for investing in OurCrowd funds.
Moderate Risk
3/5
Investing on Percent comes with inherent risks, despite efforts to minimize these through a proprietary risk framework for its own deals. The risk levels can vary across the platform, depending on whether Percent or a third party underwrites the deal.
High Risk
4/5
Investing via OurCrowd carries risks, including the potential loss of capital, market fluctuations, and limited liquidity. Early-stage companies may not succeed, leading to a total or partial loss.
Minimum Liquidity
1/5
Liquidity on Percent, as with many private credit platforms, varies by investment. Generally, these investments are less liquid than public stocks, tied to longer-term commitments without guaranteed immediate access to funds.
Minimum Liquidity
1/5
Investments on the OurCrowd platform are generally illiquid, as they involve early-stage, privately-held companies. Liquidity events, such as a sale or IPO, may take several years, and there is no guarantee or secondary market for trading these investments. Investors should be prepared for long-term commitments without immediate liquidity options.
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Moderate Return
13.41 %
As of February 1, 2024, Percent offers a 2.5% interest rate on idle cash in accounts and reports a historical weighted average APY of 13.41% on investments.
Not Predictable Return
N/P
Returns on investments in OurCrowd's early-stage companies and venture funds are highly variable and unpredictable. While there is potential for high returns, given the speculative nature of startup investing, there's also a significant risk of loss.
Short-term Investment
3+ months
Percent offers investment horizons starting at 3 months, accommodating short-term investment strategies.
Long-term Investment
5+ years
Investments through OurCrowd typically require a long-term commitment, often spanning several years to over a decade, due to the nature of startup and venture fund investing.
Who can invest
United States
Percent accepts investments only from accredited investors in the U.S. with U.S. bank accounts, adhering to Reg D 506(c) exemption rules.
Who can invest
International
OurCrowd investments are open to accredited investors as per local regulations, which vary by country. However, residents of Cuba, Iran, Lebanon, North Korea, Syria, and the Crimea Region of Ukraine are excluded from investing through the platform.
Moderate Volatility
3/5
Assets on Percent generally show lower volatility than public market investments due to the nature of private credit, which often involves fixed returns from contractual agreements.
Moderate Volatility
3/5
Assets on OurCrowd, being early-stage and privately-held companies, are highly volatile. Their valuations can fluctuate significantly due to market dynamics, competition, and operational risks.
Regulation and audits
SEC Regulated
Percent is regulated under Regulation D, 506(c) of the Securities Act, allowing only accredited investors to participate after verifying their status.
Regulation and audits
SEC Regulated
OurCrowd complies with the regulations of each country it operates in, adhering to laws governing accredited investors and investment platforms. It is subject to regulatory oversight, ensuring transparency and investor protection. While not specified, financial audits and compliance checks are likely part of its operations to meet legal and financial standards, maintaining trust and reliability among investors.
Insurance
Yes
Funds deposited with Percent are held at an FDIC-insured bank, ensuring protection up to $250,000, the maximum allowed by law, providing security for investors' capital in case of a bank failure.
Insurance
No
OurCrowd does not offer insurance for investments on its platform. Investments in startups and venture funds are inherently risky, with no insurance protection against losses.
Payouts
No Recurring Payouts
Percent provides returns through interest payments or fixed returns from private credit deals, rather than traditional dividends.
Payouts
No Recurring Payouts
Investors on OurCrowd typically do not receive dividends from their investments in startups and venture funds, as these are growth-focused and aim for capital appreciation. Profits are usually reinvested to fuel further growth.
Withdrawals
Upon investment maturity on Percent, funds (principal and yield) are credited to the investor's account. Investors can then transfer these funds to an external account or reinvest.
Withdrawals
Investors on OurCrowd can get their money back during a liquidity event such as an IPO, acquisition, or sale of the company.
Extra Fees
Yes
From September 2023, Percent charges a fee of 10% on interest payments, not affecting the principal.
Extra Fees
Yes
OurCrowd's fee structure includes a 2% annual management fee for the first four years, capped to cover investment management costs. Additionally, there's a 4% upfront administration fee for direct SPV expenses, with the possibility of extra reimbursement set off from returns upon distribution. Carried interest entails a 20% fee on profits up to 5x the invested amount, escalating to 25% for proceeds exceeding 5x.
Taxes
Tax Form
Percent provides investors with a consolidated 1099-INT form each tax year, reporting all investment income as ordinary income for tax purposes.
Taxes
Annual Statement
OurCrowd offers investors an annual statement, which is essential for tax reporting. This statement details the year's financial activities, aiding in accurate tax filings.