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Diversification Without Disruption: The Treasury Operating Model Shift Happening Quietly in 2026
As corporate treasury teams navigate the complexities of 2026, a significant shift is occurring in how organizations manage liquidity. While previous years focused on consolidating banking relationships for the sake of simplicity, modern treasury leaders are now prioritizing diversification without disruption. This approach allows for a broader distribution of capital without increasing the administrative burden
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Advancing Our Impact: How CNote Has Deepened Our Understanding of Investor Contribution
When CNote first engaged with Impact Frontiers’ Investor Contribution Pilot program in 2025, we were exploring a crucial but often overlooked aspect of impact investing: How do we know our investments create change that wouldn’t have happened otherwise? Today, I’m excited to share how that initial exploration has evolved into a comprehensive framework that now
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Stability in the Shift: Why Community Banking can be the Anchor for Corporate Treasury
In a financial landscape where headlines often highlight market volatility, corporate treasurers are increasingly focused on the core fundamentals of capital preservation and security. While size is often equated with safety, stability is more often a product of discipline, transparency, and local integration. At CNote, we work with a vetted network of community-driven financial institutions,
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Beyond the Balance Sheet: How Bespoke Group Redefines Impact for its Clients
Research from McKinsey & Company points to historic wealth shifts underway with important implications for impact investors and the underserved communities they support. By 2030, U.S. women are expected to control much of the $30 trillion in Baby Boomer financial assets, recasting who makes wealth decisions and how those decisions are made. As this wealth
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Stories Behind the Numbers: Real-World Impact of Your Capital
As 2025 comes to a close, it is worth pausing to look beyond allocations, percentages, and dashboards. Impact investing often gets discussed through the language of markets, but the clearest expression of impact is found in the real people and places that benefit from investor capital. Throughout the year, CNote investors of every type, individuals,
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A Safer Cash Play: How Community Banks Diversify, Secure & Protect Corporate Cash
When markets turn volatile, we’ve seen a similar cash management playbook: Pull back.Consolidate cash.Lean harder on the biggest banks. It feels like the responsible thing to do. Big logos, long histories, familiar names, all of it signals “safe” when the headlines are noisy. At the same time, anything labelled impact often gets mentally filed under
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Evolving Capital for an Evolving Field: Why CDFIs Are the Next Frontier for Impact Investing
The community development finance field is moving into a pivotal new chapter. Over the past decade, Community Development Financial Institutions (CDFIs) have grown dramatically in scale and sophistication. Once largely small, niche lenders operating on razor-thin margins, many CDFIs today manage nine-figure balance sheets, deploy capital with disciplined underwriting, and report impact outcomes with increasing
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From Idle Cash to Local Impact: Stories of Communities Strengthened Through Impact Driven Deposits
When treasury teams talk about cash, the focus is usually clear:safety, liquidity, yield. But there’s another, quieter story playing out in the background. Across the U.S., community banks and credit unions are using deposits to support financing affordable housing, small business growth, and neighborhood revitalization often in places traditional finance overlooks. Community-driven deposit administration platforms,
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Bringing Banking to the Bedside: How MSUFCU and Sparrow Are Supporting Caregivers in Mid-Michigan
In February 2024, Michigan State University Federal Credit Union (MSUFCU) announced a groundbreaking partnership with Sparrow Health System, set to bring a new credit union branch directly into E.W. Sparrow Hospital’s lobby in Lansing, opening in summer 2024. Designed as a virtual branch, it features 24/7 ATM access, video teller machines, and private meeting space
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What We Mean by Investing Where Your Employees Live, and Customers Buy
In today’s economy, the concept of corporate responsibility is evolving. It’s no longer enough for companies to focus solely on financial returns; where that money is working matters just as much. At CNote, when we talk about investing where your employees live and customers buy, we mean something both simple and powerful: using your corporate
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