Best Private Credit Platforms

Marketplace-style access to private credit, real estate, and specialty alternative offerings through a single account.

Return caseYieldstreet is a yield-and-diversification play where returns depend on underwriting, deal selection, and whether private cash flows justify the lockup.

Minimum

$10,000

Liquidity

Usually multi-year holds with limited liquidity

Fees

Varies by offering, with platform and deal-level economics to review closely

Return focus

Income

Risk level

High

Hold period

2 to 5+ years

Shorter-duration real-estate debt investing with lower minimums and a more loan-by-loan decision flow.

Return caseGroundfloor can make money through private real-estate debt yield, but that return depends on borrower performance and loan underwriting rather than property appreciation alone.

Minimum

$10

Liquidity

Typically tied to loan duration with limited liquidity before maturity

Fees

Loan returns are net of servicing and platform economics that vary by note

Return focus

Income

Risk level

High

Hold period

6 months to 2 years

Private credit access focused on income-seeking investors evaluating short-duration and specialty lending opportunities.

Return casePercent is an income-first private-credit platform where the payoff comes from loan yield and repayment discipline rather than long-term appreciation.

Minimum

$500

Liquidity

Typically locked until the underlying note or deal matures

Fees

Varies by offering and structure

Return focus

Income

Risk level

High

Hold period

6 months to 3 years

Accredited-focused private real-estate platform spanning income, equity, and private-credit style structures.

Return caseEquityMultiple is built for investors who want more targeted private real-estate and credit exposure where underwriting and structure selection drive the outcome.

Minimum

$5,000

Liquidity

Illiquid with deal-specific or fund-specific hold periods

Fees

Deal economics differ by offering and should be compared carefully

Return focus

Balanced

Risk level

High

Hold period

1 to 7+ years

Accredited-focused private market access with curated alternative offerings and advisor-style positioning.

Return caseWillow is aimed at investors who want access to higher-minimum private credit and real-asset deals where yield and manager selection drive returns.

Minimum

$50,000

Liquidity

Often multi-year hold periods

Fees

Varies by deal and fund structure

Return focus

Income

Risk level

High

Hold period

3 to 7+ years