Frequently Asked Questions

Is CNote safe?
What is CNote’s Triple Protection Plan?

CNote’s Triple Protection Plan consists of three layers of capital protection built into your CNote investment to help reduce the risk of loss.

First, our CDFI partners have a general recourse obligation with CNote which means they are obligated to pay CNote back even if their borrowers are unable to repay their loans. We negotiated this contractual obligation with our partner CDFIs to assure extra protection for our customers.

Second, state and federal programs exist to protect money invested in CDFIs. For the CDFIs participating in these guarantee programs (all CNote partner CDFIs are participating members), a portion of the loans that CDFIs extend to small businesses are covered. CDFIs are required to maintain their own loan loss reserve fund (pool of money to cover losses) to be eligible for those protection programs. So not only are a portion of the loans protected by the government, but individual CDFIs also carry a loss reserve.

Finally, CNote has established a loan loss reserve fund for additional peace of mind for our users. This means that if for some reason one of our CDFI partners suffers unexpected losses, and the other failsafes listed above don’t cover them, CNote will step in with its own loss reserve fund to cover some or all of those losses.

CNote's Triple Protection Plan significantly reduces the risk of principal loss. Yet, it is important that all investors recognize that any investment carries some level of risk.

What is the current return on CNote accounts?
How does CNote generate this return?
Is the return guaranteed?
What will happen to CNote’s 2.5% return if interest rates rise?

What if I Have More Questions?

What if I Have More Questions

Deciding what to do with your money is hard. The world of finance, with all its insider language, doesn't make it any easier. At CNote we want you make the best decision for YOU. We try to make finance simple and transparent, but if there is anything confusing or unclear and you have questions, please contact us at, or call us at (800) 449-6275.

There are no stupid questions. Ask away!