Introduction
Private credit has grown rapidly as banks pulled back from certain types of lending. Digital private credit marketplaces now connect capital with borrowers and receivable pools—opening doors for accredited investors. Diversified notes backed by small‑business receivables (e.g., MCAs) are among the most accessible ways to participate.
What Is a Private Credit Marketplace?
A platform where investors can fund or purchase debt‑like assets outside public bonds: small‑business receivables, real‑estate loans, corporate facilities, consumer loans. Marketplaces help standardize access and disclosures.
Where MCA‑Backed Notes Fit
Rather than picking single deals, investors can subscribe to a note that deploys capital across a diversified receivable pool and pays stated interest and principal per its terms—managed by a professional servicer.
Notes vs. Direct Deal Selection
- Notes: Pooled exposure, standardized terms, passive participation.
- Direct Picks: Deal‑by‑deal selection, heavier underwriting burden, ongoing monitoring.
Portfolio Use Cases
- Yield Enhancement relative to traditional bonds (risk profiles differ).
- Diversification away from public‑market drivers.
- Laddering maturities to manage liquidity.
- Income Planning via scheduled distributions.
What to Ask Before Investing
Pool size and limits? Underwriting and monitoring standards? Who is the servicer and what’s their track record? How do waterfall, reserves, and fees work? What are term and liquidity expectations? Are risks fully disclosed?
Risks
Merchant defaults, economic cycles, servicing/operational execution, and illiquidity. Read offering materials.
Why Supervest
A purpose‑built alternative investment platform offering diversified MCA‑backed note products with clear terms, professional oversight, and an investor‑first experience.
Conclusion
Private credit is no longer institution‑only. Marketplaces and diversified notes enable accredited investors to participate through a simple, structured vehicle.
👉 Explore Supervest’s note products: https://www.supervest.com/investments
