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Invest in people, not products.

With CNote you earn a better return while investing in the causes and communities that matter to you.

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"CNote is an investment vehicle for savers who want a good ROI."

"CNote wins the Top Innovation Award in the FinTech category at SXSW '17"

"CNote looks to upend traditional savings..."

"CNote is able to give the majority of the interest generated back to the client"

What is CNote?

better place to park your cash.

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.

Calculate your earnings2

Better interest on your interests

Earn 2.75% with 100% social impact3

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).
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Over $18,000,000 committed

No fees, no minimums. Signup and see why so many are using CNote to align their dollars with their values.

Even if its your first investment, you’ll start seeing better returns while helping local communities grow.

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A remarkably easy process. Just a few steps and I was done.

Paul, California

I love that I make a higher return while helping women and minority entrepreneurs build prosperous companies. For me, that's a win-win!

Roni, New York

I am proud my money is going to work for me and my community.

Priya, San Francisco

CNote also helps Financial Advisors and Foundations move money into high-yield, high-impact products.

  • Earn Up To 2.75% With No Fees

    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.

  • Your Dollars Driving Change

    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.

  • Quarterly Liquidity

    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 return with better earnings

    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.