About How it works Performance For advisors

Private credit, made easy

Open an account and verify your accreditation to start earning automated income from exposure to the world’s leading private credit funds.

Personalize your portfolio

Get a Personalized Private Credit Portfolio in three steps.

Simply open an account, make a deposit, and start earning. We do the rest for you.

Step 1: We personalize your private credit portfolio

When you open your account, we build you a private credit portfolio personalized based on your financial and risk profile. You can further customize your portfolio prior to investing based on your risk and return goals.

Step 2: You invest and start earning passive income

Once you make your first investment you'll begin getting monthly or quarterly payments. The amount of these payments are determined by your risk preference and are typically between 7.5% to 12.5% annualized return after fees.

Step 3: We reinvest and rebalance for you

By default, we automatically reinvest your payments and rebalance your portfolio to account for that additional investment. That means we adjust your portfolio's exposures to loans to ensure it remains properly diversified. We handle it all for you.

How we build your Personalized Private Credit portfolio

Our fund selection and portfolio creation processes serve as the building blocks of creating your Personalized Private Credit portfolio.

Fund Selection

Our private credit analysts implement an ongoing credit review and monitoring process for third-party private credit funds, leveraging in-depth fundamental research and advanced technical analysis. Each investment is programmatically underwritten using our proprietary scoring models, ensuring only top-tier investments are selected and made available for our clients portfolios.

The following are a sample of the detailed criteria used to select funds:

10+ years of track record across multiple market cycles
Multi-billion dollar assets under management
Consistent total returns, including stable distributions
Low non-accruals and realized losses
High percent of first-lien loans and low use of leverage

Portfolio Creation

We collect each investor's financial and risk profile to build a portfolio from thousands of loans. On an ongoing basis, we automatically allocate and rebalance investor portfolios, depending on their risk preferences as their balance changes.

Invest with confidence.

SEC

Registered

Heron Finance is an SEC-registered investment advisor (RIA).

$1 trillion

Aggregate manager AUM

Exposure to managers that oversee over half of the private credit market.

<1%

Low loss rates

Highest quality funds chosen for their industry-leading low loss rates.

21 years

Avg manager track record

Private credit managers with experience navigating market cycles.

SEC

Registered

Heron Finance is an SEC-registered investment advisor (RIA).

$1 trillion

Aggregate manager AUM

Exposure to managers that oversee over half of the private credit market.

<1%

Low loss rates

Highest quality funds chosen for their industry-leading low loss rates.

21 years

Avg manager track record

Private credit managers with experience navigating market cycles.

As seen on:

Your questions answered.

See our help center

$5000 minimum investment.

Get exposure to 12 funds in a single portfolio with only a $5000 initial deposit.

1% annual management fee.

Simple flat rate, already deducted from your projected returns.

Request to sell at any time.

We aim to fulfill requests within one quarter. View the full redemption policy.

We support tax advantaged accounts like IRAs and 401ks.

Heron has partnered with AltoIRA to make this very easy. If you have an existing IRA or 401(k) account, you can transfer funds for free, or you can deposit cash through Alto. For more information, see our help center article here.

With Heron, defaults are rare, most of our loans are first in line for repayment, and with this level of diversification, impact would be minimal.

When you open a private credit portfolio with Heron, you gain exposure to multiple high-quality funds with over 3000 loans. These loans are 95% or more first lien. First lien debt holders are paid back before all other debt holders making the chance of a loss very low. And if one loan does have a loss, your Heron portfolio has over 3000 more loans, providing protection from a high level of diversification. Read our article to learn more about our approach to risk mitigation.

In the unlikely event that Heron goes out of business, your money is safe.

To start, we don't plan to go out of business! We are backed by large institutional investors, generating revenue, and maintaining an ample runway. As any business should, we maintain a continuity plan.

In the highly unlikely event that we did wind down the business, your money is still safe. At a high level, here's what you need to know and how it would wind down:

All LP shares of funds are held in a separate, bankruptcy-remote legal entity from the one that we use to run our day-to-day operations. Second, Heron Finance works with a qualified custodian, Inspira, that custodies said LP shares.
In the event that Heron Finance's operating entity were to shut down, we would submit redemption requests to all of the funds.
Then that separate holding entity and Inspira would work to identify a backup service provider that could manage the redemptions and work to facilitate the return of your capital.

Heron is available to US accredited investors. See what is required to qualify.

Anyone automatically qualifies as an “accredited investor” if they meet just one of the following criteria:

Income: Individual income of $200,000, or joint (with a spouse or partner) income of $300,000 for the two prior years, with the same anticipated in the current year
Net Worth: Individual or combined (with a spouse or partner) net worth of $1 million or greater, excluding your primary residence
Exam: A Series 7, 65, or 82 in good standing

You can verify your status as an accredited investor as a part of our sign-up process. The documents you need will depend on the method of verification. You only need to verify via one of the following:

Income verification: Connect your payroll provider, or upload W-2s, K-1s, 1099s, paystubs, or tax returns to verify your income
Net worth verification: Bank statements, brokerage statements, securities holdings statements, certificates of deposit, tax assessments, or appraisal reports (Note: when you use the net worth verification, we pull a “soft” credit report that will not impact your credit score.)
3rd party letter: A letter from an attorney or accountant testifying that you are accredited

To learn more about how to become accredited, see our article: 4 Easy Steps to Becoming an Accredited Investor.

See our help center

Get a private credit portfolio built for you.

Up to 12.5% returns
3000+ loans in each portfolio
12 of the world's largest private credit funds

Customize your portfolio

See how Heron works.

Share your goals and ask questions
Understand the data and past performance
Get a personalized platform tour

Book a demo

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 dividend yield 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 yield 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 Heron or any of its affiliates through this website should be construed or is intended to be investment, tax, financial, accounting, or legal advice. Heron Advisory, Inc., d.b.a. Heron Finance 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.