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Up to 12.5% annual returns

Targeting steady annualized returns of 7.5% to 12.5% after fees

Personalize your portfolio

Historical Total Returns

Historical total returns are the combined performance of yield distributions and fund NAV value. Returns are the average of all funds, after Heron's 1% management fee, available in the Personalized Private Credit portfolio (Data from September 2024 to April 2025).

Since inception

Since inception 

9.09%

Projected performance of a $100,000 investment

The projected returns shown uses the total return since inception aggregated from all funds available on the Heron platform. Past performance does not guarantee future returns.

Key Performance Metrics

Dividend Yield
Dividend Yield

9.7%

Non-Accrual Rate
Non-Accrual Rate 

0.6%

Loan Valuation
Loan Valuation 

100.0%

Fund Leverage
Fund Leverage

0.8

% Payment in Kind (PIK)
% Payment in Kind (PIK) 

3.6%

% First Lien Loans
% First Lien Loans 

94.0%

Personalized Portfolio Sample

Through our fundamental research and advanced technical analysis, we provide diverse exposure to returns from thousands of senior secured loans for consistent income. Below is a sample Personalized Private Credit portfolio based on a moderate risk preference.

Total loans
3783
Target returns after fees
9.0% - 10.5%
First lien loans 
97.1%
Apollo Debt Solutions BDC
26.5%
Golub Capital Private Credit Fund
25.7%
Stellus Private Credit BDC
13.0%
Ares Strategic Income Fund
8.2%
HPS Corporate Lending Fund
6.4%
KKR FS Income Trust
5.3%
First Lien
97.1%
Equity
1.5%
Structured
0.7%
Subordinated
0.4%
Second Lien
0.2%
Other
0.1%
Industrials
22.5%
Health Care
19.1%
Information Technology
18.1%
Consumer Discretionary
14.7%
Financials
9.6%
Communication Services
4.5%

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.
As seen on:
AxiosBloombergPrivate Debt InvestorFinancial Advisor

Your questions answered.

$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.
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.
In the unlikely event that Heron goes out of business, your money is safe.
Heron is available to US accredited investors. See what is required to qualify.

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.

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  • Understand the data and past performance
  • Get a personalized platform tour
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Flying heron

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.