Earn a target 11-16% return without investing in the stock market

Heron Finance allows accredited investors to invest in a diversified portfolio of loans to small and medium-sized businesses, opportunities typically reserved for the ultra-wealthy.

Heron Finance app on Iphone

Attractive yields

11-16% target APY net of fees. Investors receive interest distributions monthly.

Enhanced liquidity

Liquidity in as little as 30 days, with a $100 minimum investment.

Learn more about it

Automated re-balancing

Our automated rebalancing takes the stress out of managing your portfolio.

What private credit offers

Lower volatility, higher returns

Global private debt assets under management

Net returns for private credit vs. S&P 500 inclusive of dividends
Source: NYU Stern, Source: Preqin

Target 10-year returns

Target 10-year returns
*with interest reinvested **inclusive of dividendsThe projections or other information generated by Heron Finance regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

Our process

How we select deals

We maintain strict criteria for filtering prospective deals, such as: Underlying borrowers must either be profitable or hold assets that can be used to make principal and interest payments.

Investment Criteria

We maintain strict criteria for filtering prospective deals, such as: Underlying borrowers must either be profitable or hold assets that can be used to make principal and interest payments.

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Before reaching your portfolio, every single deal on the Heron Finance platform has undergone a rigorous analytical process designed to reduce risk. Only the most qualified borrowers are approved by our Credit team.

Exhaustive Due Diligence

Before reaching your portfolio, every single deal on the Heron Finance platform has undergone a rigorous analytical process designed to reduce risk. Only the most qualified borrowers are approved by our Credit team.

We partner with other lenders that maintain impressive track records and a stellar reputation with both their borrowers and lending partners. Those relationships ensure the most creditworthy deals are presented to us.

Established Relationships

We partner with other lenders that maintain impressive track records and a stellar reputation with both their borrowers and lending partners. Those relationships ensure the most creditworthy deals are presented to us.

The deal doesn’t end at financing. We continuously monitor all investments with regular borrower interviews and monthly reporting.

Deal Monitoring

The deal doesn’t end at financing. We continuously monitor all investments with regular borrower interviews and monthly reporting.

Why private credit matters

This is private credit’s golden moment

Private credit is non-bank lending that takes place in the private market, traditionally only available to institutions and the ultra-wealthy. Much private credit takes the form of loans to small and medium-sized businesses.

Regulatory changes are making it more difficult for banks to lend money. Since private credit funds are investing in deals that banks used to finance, institutional investors are fundraising for-and investing in-private credit at a record pace.

Heron Finance is the first robo-advisor exclusively focused on private credit, allowing accredited investors to diversify into this potentially lucrative asset class.

Learn more about private credit

Global private debt assets under management

USD in Billionsprivate credit chart

Source: Preqin, data through June 2022

What people are saying

Don’t take our word for it

”Private Credit Loans Are Growing Bigger and Breaking Records.”

Bloomberg
Bloomberg

”Private-Credit Surge Could Last for Years.”

Wall Street Journal
Wall Street Journal

“A lot of clients are looking to increase their allocations to private debt.”

Stephen Caron, Head of Private Debt for Europe, the Mideast and Africa, BlackRock
Stephen Caron, Head of Private Debt for Europe, the Mideast and Africa, BlackRock

“We see a ‘golden moment’ today for private credit.”

Stephen Schwarzman, Chairman, Co-Founder and CEO of Blackstone
Stephen Schwarzman, Chairman, Co-Founder and CEO of Blackstone

“This is a great time for private credit.”

Mark Rowan, CEO and Co-Founder, Apollo Global Management
Mark Rowan, CEO and Co-Founder, Apollo Global Management

”Private Credit Loans Are Growing Bigger and Breaking Records.”

Bloomberg
Bloomberg

”Private-Credit Surge Could Last for Years.”

Wall Street Journal
Wall Street Journal

“A lot of clients are looking to increase their allocations to private debt.”

Stephen Caron, Head of Private Debt for Europe, the Mideast and Africa, BlackRock
Stephen Caron, Head of Private Debt for Europe, the Mideast and Africa, BlackRock

“We see a ‘golden moment’ today for private credit.”

Stephen Schwarzman, Chairman, Co-Founder and CEO of Blackstone
Stephen Schwarzman, Chairman, Co-Founder and CEO of Blackstone

“This is a great time for private credit.”

Mark Rowan, CEO and Co-Founder, Apollo Global Management
Mark Rowan, CEO and Co-Founder, Apollo Global Management

Our technology

Heron Finance runs on blockchain, for enhanced benefits

Heron Finance is built on cutting-edge blockchain technology that enables reduced costs, deal transparency, and the portability and interoperability of your investments.

We are a blockchain-based platform, not a crypto-lending platform. Investors on Heron Finance do not need to own crypto, know how to use a digital wallet, or understand web3 at all.

Learn the benefits of blockchainBlockchain-based vs. crypto lender

Now available to accredited investors

We make it easy to invest in deals once reserved for institutions

We make it easy to invest in deals once reserved for institutions

You’re in good hands

Our world-class team provides access and results

Our investment committee has decades of experience, and has originated and structured over $5B of private credit transactions.

Take the first step towards a more diversified portfolio

  • Get started with as little as $100

  • Earn a target 11-16% APY net of fees

  • Liquidity in as little as 30 days from request

    Full policy
Portfolio mobile app

APY is not hypothetical but based on underlying APRs borrowers pay in existing loans. Create an account to view more details about those loans.


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.

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.