For US accredited investors

Get passive income from institutional lending

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Screenshot of the Heron Finance app on mobile
SEC registered
$100 minimum investment
+2,700 members
13.9% net interest since inception
As seen on:
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Flying heron

Heron builds you a customized portfolio of private corporate loans, all managed by established credit funds with proven track records.

9-13% projected net interest rate, after fees.
$100 minimum investment.
No lockups. Request redemption at any time.

Steady monthly income, from institutional quality loans

Flying heron
I'm passively earning a higher rate of return than I'd get anywhere else.

Diversified portfolio of loans, managed by established credit funds

Heron with wings splayed
Private credit opportunities with high rates sourced along side institutional buyers.

Share your preferences, get a custom portfolio

Flying heron
Easy onboarding, easy diversification, full transparency and control over how to allocate your funds.

Invest with confidence

<1%
Loss Rate
The loans on Heron are from credit funds we carefully select based on their track record. They all have less than a 1% annualized loss rate, and years of experience structuring and managing loans.
SEC Registered
Heron Finance is an SEC-registered investment advisor (RIA), managing money and providing investment advice to U.S. accredited investors.
Established Credit Funds
The loans on Heron Finance are from established credit funds that directly manage the borrowers. These funds are often only accessible to institutional investors, but Heron is expanding access to more investors.
Backed by the best
Andreesen HorowitzKindred VenturesCoinbase VenturesVariantSV AngelAccess Ventures

Your questions, answered

2% annual management fee.
Simple flat rate, no performance fee.
9-13% projected net interest rate, after fees.
Choose your target return based on your risk tolerance.
$100 minimum investment.
Easy to get started with a small investment.
No lockups. Request redemption at any time.
We aim to fulfill requests in as little as 30 days, on a best effort basis.
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Take the first step towards steady monthly income

Customize your portfolio
Flying heron

Disclaimers and footnotes
The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Further, none of the information contained on this website is a recommendation to invest in any securities or a recommendation of any interest in any investment offered by Warbler Labs, Inc. or any of its subsidiaries (collectively, “Warbler”).

Any financial forecasts or financial returns, whether in the form of dividends or capital appreciation displayed on this website are for illustrative purposes only and are not a guarantee of future results. Private credit investments are subject to credit, liquidity, and interest rate risk. In the event of any default by a borrower, you will bear a risk of loss of principal and accrued interest on such loan, which could have a material adverse effect on your investment. A borrower may default for a variety of reasons, including non-payment of principal or interest, as well as breaches of contractual covenants. Credit risks associated with the investments include (among others): (i) the possibility that earnings of a borrower may be insufficient to meet its debt service obligations; (ii) a borrower's assets declining in value; and (iii) the declining creditworthiness, default, and potential for insolvency of a borrower during periods of rising interest rates and economic downturn.

Any investment target interest rate presented here is intended for informational purposes only and does not guarantee future performance or results. This model assumes no variability, including no loan defaults, fluctuations in interest rate, customer withdrawal requests, late payments, or penalties, and our management fees have remained unchanged throughout this projection. Please be aware that all investment involves inherent risks, and past performance is not indicative of future outcomes. Customers are advised to consult their own legal and tax advisers regarding their specific circumstances and needs. We do not accept any liability for any loss or damage arising from the use of this information or for any actions taken based on this information without seeking professional advice.

No communication by Warbler or any of its affiliates through this website should be construed or is intended to be investment, tax, financial, accounting, or legal advice. Warbler Advisory, Inc. is an SEC-registered investment advisor (RIA). Such registration should in no way imply that the SEC has endorsed the entities, products or services discussed herein.

We are currently offering a referal bonus of $100 for new customers that invest at least $1,000. The referral bonus will be paid out to both the referrer and the referee within 30 days of the referee's investment. The referee must be a new customer and must invest at least $1,000 in order for both parties to receive the bonus. The reward will be issued as a deposit of 100 USDC directly into the portfolios of the respective parties. We reserve the right to modify, amend, or terminate any incentive programs, promotions, or rewards at any time, with or without prior notice. For the most current information and terms, please contact [email protected].