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Percent Releases 2026 Private Credit Outlook: Growth Continues as Scrutiny Intensifies

prnewswire.com
PRCT The article discusses Percent's 2026 Private Credit Outlook, highlighting continued growth in private credit but with increased scrutiny. While Percent itself had a record year, the overall market sentiment is cautious due to tighter underwriting and risk management expectations.

NEW YORK, Jan. 15, 2026 /PRNewswire/ -- Percent, the platform providing a modern private credit marketplace, today released its 2026 Private Credit Outlook, an annual report examining the macro backdrop for private credit and the trends expected to shape the market in 2026.

Drawing on activity across Percent's primary and secondary markets following a volatile 2025, the outlook suggests private credit is entering a more demanding phase—one where diversification and income-oriented alternatives matter even more. Industry estimates found the size of private credit at the start of 2025 was $3 trillion, compared to about $2 trillion in 2020, and it is estimated to grow to approximately $5 trillion by 2029. Opportunity remains strong, but investors are applying tighter scrutiny to underwriting, reporting quality, and repeatable risk management.

"Private credit is still expanding, but the market is becoming less forgiving," said Nelson Chu, Founder and CEO of Percent. "In 2026, we expect capital to flow to managers and platforms with strong structuring and transparent data. That means frequent reporting and tighter risk and operational oversight."

"The next wave of growth will be defined by discipline, not hype," said Prath Reddy, CFA, President of Percent. "Investors are getting more specific about what they want: seniority, collateral, shorter-duration cash flows, and the ability to validate performance in real time."

The 2026 Private Credit Outlook highlights several themes expected to influence the market in the year ahead, including:

The report comes on the heels of a record year for Percent. By year-end 2025, Percent surpassed $350 million in AUM, on the back of $532.4 million in issuance volume, had 140+ borrower programs onboarded, 20+ managers, and 50,000+ investor sign-ups since inception, and recorded 27 consecutive months of net AUM growth. Percent also saw asset-based securities representing over 84% of its issuance volume, a trend the company expects to continue in 2026.

To check out Percent's full 2026 Private Credit Outlook, please visit: http://percent.com/resources/2026-private-credit-outlook

About Percent

Percent is unlocking private credit by enabling efficient access, liquidity and data for all market participants. Through its digital primary issuance and secondary markets platform, Percent provides all deal counterparties with a unified environment to source, structure, distribute, service and trade private credit assets. Founded in 2018, Percent is setting the market standard for a historically fragmented asset class, supporting billions in primary and secondary transaction volume in a multi-trillion-dollar private credit industry. For additional information, please visit www.percent.com.

SOURCE Percent