What is CNote? Where Your Financial Goals Meet Your Values

In today’s world, more and more people want to grow their money while also making a positive impact. CNote is a platform that makes it easy for clients to align their financial goals with their values by offering seamless financial products through two primary categories: fixed-income investments and cash management solutions. But how does CNote help clients put their values where their dollars are? Let’s dive into the details.

The CNote Platform: Connecting Capital to Communities

CNote is not a bank, a money market fund, or a treasury management system. CNote is a financial tech company that connects clients’ capital with mission-driven financial institutions focused on supporting underserved communities. CNote enables clients to deploy their capital to create real impact, whether through cash management solutions or fixed-income investments.

CNote bridges the gap between clients with cash on hand and communities in need of capital, offering flexible and impactful ways to make a difference.

Cash Management Solutions: Impact Cash® and Climate Cash™ 

CNote’s cash management solutions, including Impact Cash® and Climate Cash™, provide FDIC/NCUA insured options for clients seeking both safety and social responsibility. These solutions are designed for people who want a competitive yield, need liquidity, and prefer low-risk cash solutions. With Impact Cash, deposits are placed with mission-driven financial institutions such as CDFI banks, credit unions, and community banks. These institutions focus on providing services to underserved communities, supporting affordable housing, small business growth, and more while ensuring liquidity and capital preservation.

For clients looking to support environmental initiatives, Climate Cash focuses on directing funds to institutions that prioritize sustainability efforts, helping combat climate change through responsible banking practices. Both products allow clients to maintain liquidity and safety while knowing their deposits are making a tangible impact in the world.

Fixed-Income Offerings: Flagship Fund and Wisdom Fund

For clients interested in longer-term commitments, CNote’s fixed-income investments, including the Flagship Fund and the Wisdom Fund, provide diversified ways to create deep community impact. These products are ideal for people who want a competitive return and are comfortable with a longer investment horizon. They involve loans made to CDFI loan funds, which finance critical initiatives like affordable housing, small business development, and women-led ventures.

The Flagship Fund provides the potential for consistent returns while helping underserved communities grow economically through various community development projects.

The Wisdom Fund supports women entrepreneurs by providing capital to help them launch or grow their businesses, fostering economic empowerment and gender equity.

Both of these fixed-income investments allow clients to generate meaningful social impact with the potential to achieve competitive financial returns.

Why Choose CNote?

So, why choose CNote? CNote makes impact investing easy by offering access to a wide range of vetted CDFIs, impact measurement tools, a secure platform, and innovative financial solutions. With financial products forged at the intersection of technology, financial innovation, and social conscience, CNote empowers clients to make a meaningful difference while aligning with their financial goals.

Whether through cash management solutions like Impact Cash and Climate Cash or fixed-income investments like the Flagship and Wisdom Funds, CNote is designed to align your financial goals with your values—helping you invest in both your future and the future of underserved communities.

Disclosures: Returns are not guaranteed. CNote Group, Inc. (“CNote”) is not a bank, a credit union, or any other type of financial institution. C Note is not a registered investment advisor with the Securities and Exchange Commission (SEC) or a broker-dealer authorized by the Financial Industry Regulatory Authority (FINRA). CNote is not a legal, financial, accounting or tax advisor. CNote offers unregistered securities consisting of various promissory notes (“Notes”) to eligible investors pursuant to Regulation A and Regulation D under the Securities Act of 1933, as amended. For more information on risks related to investing in our Flagship Fund Notes, for unaccredited investors please see our latest Flagship Fund Offering Circular as filed with and qualified by the SEC. For accredited investors please see our latest Flagship Fund Private Placement Memorandum Neither the SEC nor any state securities regulator has passed upon or endorsed the merits of any investment in CNote’s offerings. Investments in our Notes are not bank deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), or any other governmental agency. Investing in our Notes involves risk of loss, including the principal invested. We encourage you to consult with a financial adviser or investment professional to determine whether or not the CNote platform makes sense for you. Information provided herein is for educational purposes only and is not tailored for any individual investor or client. It should not be relied upon as financial or investment advice. Any projected returns are illustrative, based on interest rates offered currently or in the past, which may be subject to change, and may not reflect the ultimate rate of return for any particular investor or client. Past performance is no guarantee of future results, and future returns may vary.