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Flying heron

Long-term investing made easy

Get a simple portfolio of private credit deals, then set it and forget it. We manage everything for you, from selecting the loans to monitoring the borrowers' financials.

Create an account in a few minutes, and start investing with as little as $100.

As seen in:
AxiosBloombergPrivate Debt InvestorFinancial Advisor
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.

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Automated rebalancing

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

Lower volatility, higher returns

Private credit has outperformed the S&P 500 over the past 30+ years by nearly 1% per year. The median private credit fund manager has also never produced an annual negative return, meaning the asset can reduce your overall portfolio's volatility.

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

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

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 of private credit takes the form of loans to small and medium-sized businesses.

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Chart
Source: Preqin, data through June 2022
“Private Credit Loans Are Growing Bigger and Breaking Records.”
Bloomberg
“Private-Credit Surge Could Last for Years.”
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
“We see a ‘golden moment’ today for private credit.”
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

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

Private credit is non-bank lending that takes place in the private market, traditionally only available to instituitions.

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Bar graph conveying that the typical investment for private credit deals would be at least $250k, but Heron Finance allows you to make a minimum investment of just $100.

You're in good hands

Our world-class team provides access and results

Our investment committee has structured over $4B transactions.
Our team has over 30 years of investment management.
We are the first robo-advisor exclusively focused on private credit.
Learn more about us

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.

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Take the first step towards a more diversified portfolio

  • Get started with as little as $100
  • Earn a target 11-16% net APY
  • Liquidity in as little as 30 days from request

Create an account in a few minutes, and start investing with as little as $100.

Disclaimers and footnotes
∗ 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.