CNote is an alternative to traditional short-term investment options. With CNote you earn 2.75% and 100% of your dollars are used to fund loans to small businesses, to help build affordable housing and to bring sustainable economic growth to communities across America. CNote’s non-profit partners have been around for decades and have not lost a single investor dollar. Ever.
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Even if its your first investment, you’ll start seeing better returns while helping local communities grow.
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What’s the difference between 0% and 2.75%? Up to $500 more per year in your pocket, compared to cash or other low-yield investment options. Not too shabby. Banks charge fees, we don’t. There’s a reason why our customers have committed millions of dollars to the CNote platform.
100% of the money you invest in CNote is used to fund economic development and small business loans that support communities across America. Among other great projects, your CNote dollars fund loans for women and minority-led businesses that are often ignored by traditional financial institutions. Because of you, women like Maria and Julie have the opportunity to support their families – and their futures.
CNote provides quarterly liquidity to ensure your dollars are accessible when you need them. You can access up to $20,000 of your CNote investment each quarter. Our quarterly access is intentional – to help follow your investment goals and to provide responsible capital to small businesses.
Social impact means investing in women, minorities and low-income communities. Today in the U.S., minorities are 3x as likely to get denied a small business loan. Women receive less than 5% of all small business capital. With CNote, you are helping create a new financial reality, one where everyone has fair access to capital and an equal opportunity for financial empowerment.
My first thought was, ‘What’s the catch?’ But there isn’t one. I am their biggest fan.
Maria Cruz, Heavenly FlowersOur CDFI partners
Community Development Financial Institutions (CDFIs) are not only certified by the U.S. Treasury, but they have a 20-year track record of solid financial performance and positive social impact.
That was one of the best days…getting approved for the loan. Your heart just sings because you know it’s gonna happen.
Julie Cox, Traveler SurfOur CDFI partners
Community Development Financial Institutions (CDFIs) are not only certified by the U.S. Treasury, but they have a 20-year track record of solid financial performance and positive social impact.
This small business loan came at a crucial time, I needed to order more inventory and really didn’t have the funds to do it.
Cinde Dolphin, Kili MedicalOur CDFI partners
Community Development Financial Institutions (CDFIs) are not only certified by the U.S. Treasury, but they have a 20-year track record of solid financial performance and positive social impact.
A loan like this was able to get us over the hump... It really made all the difference in the world.
David & Angela, Cambrian AcademyOur CDFI partners
Community Development Financial Institutions (CDFIs) are not only certified by the U.S. Treasury, but they have a 20-year track record of solid financial performance and positive social impact.
Social impact
Social return with better earnings
Through our nationwide network of non-profit lenders (CDFIs) you will help fund loans that change lives. These stories are just a small sample of how impactful your money can be. The result? A better return for you (and some really good karma).