How do I withdraw my money?

CNote’s Flagship Fund offers quarterly liquidity on up to 10% or $20,000 of your investment (whichever is larger). For most customers, this means they can withdraw their entire balance any quarter. CNote has the discretion to allow larger withdrawals as well and we always work closely with customers to meet their needs. You can initiate withdrawal requests directly from your secure, online CNote Account.

Quarterly liquidity dates are January 1, April 1, July 1, and October 1 and we require 30 days’ notice.

For example, if you want to make a withdrawal on July 1, please submit your request on or before June 1. As mentioned above, we work with our Members on a case-by-case basis to meet immediate and unexpected liquidity needs, typically with no issue. If you do need to make an unanticipated withdrawal you can email  and we’ll do our best to get you your money when you need it.

Here are a few additional things to note about withdrawals. When you put your dollars to work with CNote, we use those dollars to support community lending partners so that low-income communities, and often-ignored segments like women and minorities, can build their businesses. This means your money does not sit in a big grey vault where it collects dust, it’s actually loaned out to real businesses and entrepreneurs. For large account balances in excess of $200,000, there is a 10% liquidity cap, meaning you can withdraw up to 10% of your full balance in any given quarter. Just a friendly reminder that we are working with CDFIs to put those dollars to work while you sleep. Withdrawing your $1M one quarter after you put it in is neither helpful for you (little interest accrued) nor the community members we serve. At CNote, responsible investing means both transparency and access for you, and fairness to the underserved communities that are counting on all of us. Please know this policy before you sign up.

CNote’s Wisdom Fund has a fixed sixty-month investment term and funds cannot be withdrawn prior to that maturity date.

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