Best Percent alternatives in 2026
8 direct alternatives to Percent, compared on rates, fees, and best-for use cases. Pick the right option without the marketing fluff.
Curated by Louis Corneloup · Updated Why people consider alternatives to Percent
Percent is an accredited-only marketplace for private credit, the loans that non-bank lenders make to small businesses, consumers, and fintechs. It is not a fund and not a savings product. People most often switch away when one of these starts to bite:
- •Costs that add up as fees or premium tiers stack.
- •Rates or rewards that stopped being competitive.
- •Limits or restrictions as your needs grow.
- •A specific gap you have hit in alternative investing.
The 8 alternatives below cover the same core job (alternative investing) with different trade-offs. Ranked by real-signal score: external ratings, media mentions, and editor review. No paid placement.
8 alternatives to Percent
Ranked by independent ratings, media mentions, and editor review, plus how directly they replace Percent.
- 1
Fundrise
Battle-tested at scale$10 minimum, non-accredited real estate and credit funds with gated quarterly liquidity
Direct alternative4.8(37,714)Compare Percent vs Fundrise → - 2
Groundfloor
Battle-tested at scale$10-per-loan fix-and-flip debt, no accreditation, going-concern risk at the operator
Direct alternative4.5(2,120)Compare Percent vs Groundfloor → - 3
Arrived
Battle-tested at scale$100 fractional rentals plus the Real Estate Income Fund, no accreditation
Direct alternative4.8(1,229)Compare Percent vs Arrived → - 4
EquityMultiple
$5,000 accredited CRE platform; fee-free short-term Alpine Notes are the flagship
Direct alternativeCompare Percent vs EquityMultiple → - 5
Blue Owl Credit Income Corp (OCIC)
$2,500 via advisor: Blue Owl's senior-lending BDC, ~8.6% distributions, gated exits
Direct alternativeCompare Percent vs Blue Owl Credit Income Corp (OCIC) → - 6
RealtyMogul
$5,000 non-traded REITs open to all; one REIT's distributions paused in 2026
Direct alternativeCompare Percent vs RealtyMogul → - 7
CrowdStreet
Accredited-only commercial real estate fund platform, from $25,000 per fund
Direct alternativeCompare Percent vs CrowdStreet → - 8
iCapital
Advisor-gated alt-fund rails with $100,000+ feeder minimums; no direct retail signup
Direct alternativeCompare Percent vs iCapital →
Frequently asked questions
What is the best alternative to Percent?
Based on real-signal scoring (external ratings, media mentions, and editorial review), the top alternatives to Percent are Fundrise, Groundfloor, Arrived. Each solves the same core job with different trade-offs on rates, fees, and terms.
Is there a free alternative to Percent?
Most Percent alternatives carry fees, though some carry no fee or run promotional offers. See the details on each alternative below.
Why do people look for Percent alternatives?
Common reasons people switch away from Percent: fees that add up, rates or rewards that stopped being competitive, eligibility or usage limits, or a specific gap in alternative investing. The alternatives on this page solve the same core problem with different trade-offs.
Still considering Percent?
See the full review, fee breakdown, and community feedback before you decide.