Supervest

Supervest is a New York alternative investment platform, founded in 2018, that lets accredited investors put money into merchant cash advances: short term financing where a small business sells a slice of its future revenue for upfront cash. Its founders spent a combined 50 plus years in the MCA industry, and the platform is one of the few routes individual investors have into this corner of private credit. The core products in 2026 are fixed rate promissory notes backed by diversified MCA portfolios. The current lineup: a 10% note with a 12 month term and monthly payments, a 12% note at 24 months with quarterly payments, a 14% note at 24 months with all interest paid at maturity, and a 15% note at 36 months with quarterly payments. Each carries a $25,000 minimum. A self directed option, where you hand pick advances by merchant FICO score and deal terms, now requires a $1,000,000 minimum, which effectively reserves it for institutions and family offices. Understand what sits under the yield. Merchant cash advances are not loans and are not collateralized; they are claims on a merchant's future receivables, typically repaid over 3 to 12 months. Industry default rates run far above secured lending, and third party reviews of Supervest have cited ranges of 8.5% to 10.5%. The notes put diversification between you and individual merchant failures (exposure to any single advance is capped at 5% in the portfolios), but the 10% to 15% coupons exist because the underlying risk is real. Liquidity is split. Cash balances from merchant remittances can be withdrawn at any time with no lockup, but note principal is committed for the full 1 to 3 year term. Interest does not begin accruing until a note offering is fully subscribed. Supervest does not disclose a separate investor fee on the notes; the stated rates are what you receive, with the platform earning its margin inside the structure. Supervest suits accredited investors who already hold safer income assets and want a high yield, largely uncorrelated sleeve they can deliberately size small. Skip it if you are not accredited, cannot leave $25,000 untouched for a year or more, or need collateral behind your credit exposure; Treasuries and investment grade bonds pay much less for a reason.