Product 01
Debt → Equity upside
Convertible Notes
Short-term debt that converts into equity at the company's next priced round. You earn interest today and convert at a discount later — a lender's downside with an equity upside.
Growth Credit
Three ways to lend to growth-stage companies
Crowdlender structures private credit to high-growth companies and fractionalizes it for accredited investors. Hold the lender's position across three products — convertible notes, working capital, and venture debt — with minimums from $5,000. Start small and diversify across deals at your own pace.
3 products
Convertible, working capital & venture debt
$5K
Accredited investor minimum
Senior
Debt claims ahead of equity
Full life
Servicing and reporting handled
The products
One platform, three credit structures
Each is a contractual claim on a growth company — structured, independently vetted, and offered as a fractional participation to verified accredited investors.
Product 02
Short duration
Working Capital
Short-duration facilities that fund a company's operations — receivables, inventory, payroll, and growth spend — repaid from revenue. Contractual yield, senior position, quick turns.
Product 03
Warrant upside
Venture Debt
Term loans to growth-stage companies with institutional equity backing, structured against revenue, runway, and enterprise value — often paired with warrant coverage for equity upside on top of interest.
Compare
How the three products differ
Same platform and protections — different duration, collateral, and upside. Build a portfolio across all three.
| Convertible Notes | Working Capital | Venture Debt | |
|---|---|---|---|
| Duration | 6–24 months | 3–18 months | 12–48 months |
| Position | Senior to equity, until conversion | Senior, revenue-repaid | Senior to equity |
| Return driver | Interest + discount / cap on next round | Fixed contractual yield | Higher contractual yield |
| Upside | Equity conversion | None — pure credit | Warrant coverage |
| Underwritten against | Company & next-round prospects | Revenue & receivables | Revenue, runway & enterprise value |
| Minimum | $5,000 | $5,000 | $5,000 |
How it works
From a structured facility to a position you hold
The same four steps apply across all three products. Each facility is underwritten against the company, independently vetted, and offered to verified accredited investors as a fractional participation.
See the full process-
01
Structured facility
A growth-stage company raises credit against its revenue, runway, and prospects — as a note, a working-capital line, or a term loan.
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02
Independent vetting
We review the company, its equity backers, revenue quality, burn, and downside before any facility reaches the platform.
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03
Fractional participation
You take a pro-rata participation, senior to the company's equity, from a $5,000 minimum.
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04
Earn and get repaid
Receive interest on schedule. At maturity, your principal returns pro rata. We service it throughout.
Why growth credit
The case for lending to growth companies
Growth credit is repaid ahead of equity and structured against the company's trajectory. That position shapes the risk and return profile — and conversion and warrant features add modest upside.
Senior to equity
Across all three products you hold a defined, contractual claim repaid before the company's equity holders.
Higher yield
Priced for growth-stage risk, these facilities typically carry higher contractual yield than hard-asset credit.
Built-in upside
Convertible notes convert to equity; venture debt adds warrant coverage — credit with an equity kicker.
Choose your duration
From 3-month working-capital turns to multi-year venture debt — build a ladder that fits your horizon.
Institutional underwriting
Every facility is underwritten against revenue, runway, and the quality of the company's equity backers.
Fully serviced
Crowdlender manages servicing, distributions, and reporting for the full life of every position you hold.
View Our Track Record
Closed Growth Credit Transactions
Our growth-credit track record is being prepared. Closed convertible, working-capital, and venture-debt deals will appear here.
Understand the risk
What to weigh before you invest
Growth credit is private credit priced for growth-stage risk, and it carries real risk. These investments are speculative and illiquid, and you could lose some or all of your principal. Unlike real estate credit, these facilities are generally not secured by a hard physical asset — repayment depends on the company's revenue, cash position, and continued access to capital. Conversion features and warrant coverage are not guarantees of upside.
- Illiquid: capital is committed for the stated term, with limited or no early exit.
- Speculative: growth-stage companies can fail; loss of some or all principal is possible.
- Accredited only: offerings are made under Reg D 506(c) to verified accredited investors.
- Review the offering: each facility's private placement memorandum governs in full.
Any target returns or projections are hypothetical, not guaranteed, and subject to change. Past performance is not indicative of future results. Review each offering's private placement memorandum in full and consult your own financial, legal, and tax advisors before investing.
Ready to review live offerings?
Verify your accredited status once, then browse and participate in convertible note, working capital, and venture debt offerings inside the platform.