Willow Wealth vs Percent in 2026

Willow Wealth is the broader marketplace. Investors who choose it are usually accepting that private credit may be only one part of the private-markets mix they want to explore.

Percent is the more direct answer. It makes more sense when the investor already knows the goal is private-credit cash flow rather than a wider menu of alternative structures.

Percent belongs on the shortlist when you want the thesis to stay close to credit, yield, and repayment dynamics instead of drifting into a broader platform decision.

That focus can be an advantage because it forces the investor to judge underwriting, borrower quality, duration, and default handling instead of being distracted by unrelated opportunity types.

Willow Wealth is more attractive if you like the idea of mixing private credit with a broader private-markets toolkit and are comfortable taking on the extra filtering work that comes with that menu.

The cost of that breadth is that the platform decision becomes less clean. You need stronger internal discipline to prevent a credit sleeve from turning into a collection of unrelated alternative bets.

The headline minimums are easy to compare, but they are not the main issue. The harder questions are how much diligence you are willing to do, how concentrated you want the sleeve to be, and how comfortable you are with the opacity and liquidity profile of private credit itself.

If you want a focused private-credit lane, Percent is easier to justify. If you want a broader platform and you know how to stay disciplined inside it, Willow Wealth can still make sense.