Optimize Foundation Cash While Supporting Communities and Causes You Care About
Amplify your foundation’s mission with an impact-driven cash strategy. CNote’s cash management solutions and offer competitive returns, full FDIC and NCUA insurance, and on-demand liquidity—enabling your foundation to manage donor funds with confidence, integrity, and purpose.
With CNote, your capital becomes a catalyst for change—bringing dollars back into communities supporting local small businesses, affordable housing, and other positive impact areas.
How Foundations can work with CNote
Reserves Allocation
Foundations can allocate a portion of their reserves to insured deposits at mission-aligned community financial institutions, allowing them to earn competitive returns, match liquidity needs, and align their funds with their impact-driven initiatives. By leveraging CNote’s Impact Cash® platform, foundations make their capital work harder, supporting communities in need without compromising financial goals.
Donor Impact Options
Transform donor generosity into lasting community change through CNote’s innovative funding model. Contributions can have double the impact when they sit in community financial institutions prior to any grant-making. Those contributions become revolving capital that continuously supports entrepreneurs, homebuyers, and community developers in underbanked areas, multiplying your impact far beyond traditional charitable giving.
Impact Cash® for Donor Funds
Foundations can seamlessly deposit incoming donor funds into community financial institutions through CNote’s Impact Cash platform, ensuring that every dollar works for local communities from the moment it arrives. This strategy offers foundations a powerful way to align donor contributions with their mission, earning returns while maintaining liquidity and impact until donors choose a specific investment strategy or grant.
Make Your Cash Work Harder, Worry-Free
With 100% FDIC and NCUA insured cash deposits, CNote directs your funds with fully vetted Community Banks and Credit Unions, ensuring your capital supports local communities. Foundations can have up to $100M in insured deposits with the CNote Impact Cash platform.
Additionally, CNote provides in-depth, transparent impact reporting that goes beyond the numbers. You’ll receive clear insights into exactly where every dollar is deposited, the communities it’s benefiting, and the tangible outcomes your funds are driving. This empowers you and your donors to track and celebrate the real-world impact you’re creating, ensuring that your capital is working as hard as you do for your mission.
Effortless Impact with CNote
With CNote, you don’t need a large team to make a big difference. Our platform handles all the heavy lifting—from due diligence and matching to yield optimization and geo-targeting—so all you need to do is set your parameters, and we take care of the rest.
Whether you’re looking to grow reserves, offer impactful donor options, or ensure that every dollar works harder for your mission, CNote simplifies the process. Our intuitive platform streamlines the experience, allowing your foundation to focus on what matters most—driving impact—without any added complexity or stress.
Earn more for your foundation and deliver impact
Foundations don’t need to settle for low interest rates. With CNote, you can amplify your mission with competitive yields and flexible liquidity, offering donors impactful options by directly placing incoming funds into Community Banks and Credit Unions with our Impact Cash solution.
CNote helps foundations earn competitive returns while ensuring every dollar strengthens underserved communities. Whether you’re expanding grantmaking capacity or driving mission-driven outcomes, CNote allows your capital to work harder, making a meaningful difference without compromise.
Impact That Matters
When foundations place deposits through the Impact Cash platform, they’re not just earning competitive returns—they’re fueling positive change in communities that need it most. Every dollar deposited helps support mission-driven financial institutions, such as Community Banks, Credit Unions, and CDFIs, which in turn invest in local economic growth, affordable housing, small businesses, and job creation.
CNote’s platform makes it easy for foundations to align their financial goals with their mission, turning idle capital into a force for good. Whether supporting disaster recovery, small businesses, or sustainable development, your deposits directly contribute to creating a more inclusive, resilient economy. With CNote, you can see the tangible impact of your capital, knowing your foundation’s financial growth is driving real-world transformation.
How It Works
CNote simplifies how you can work with mission-driven financial institutions. Traditionally, deploying cash required navigating over 400 steps, including identifying risk, analyzing data, negotiating rates, and maintaining transaction histories.
CNote streamlines this process into just three simple steps:
1. Financial Parameters and Impact Targets – Share your financial parameters and impact targets to align your goals and strategy.
Example: returns, duration, impact
2. Account Administration – CNote will match your parameters with our robust network, and will administer the opening of FDIC and NCUA insured accounts for you. Deposits are wired or transferred (ACH) to your FDIC and NCUA insured accounts at mission-driven financial institutions
Note: Northern Trust acts as our qualified custodian, holding and safeguarding client assets FBO account holders while facilitating all money movement and settlement activities. CNote handles administration hurdles and does not touch the money flow.
3. Receive reports and statements – All financial statements and reporting are communicated through your CNote dashboard and/or your treasury management or accounting software system (example: Clearwater, GT, etc.)
By leveraging CNote’s innovative platform, you gain access to a network of over 2,500 mission-driven financial institutions, including Self-Help Credit Union, Virginia Community Capital, Carver Bank, and more, without the hassle of managing each step yourself.
Ready to Do More with Your Cash?
Put your foundation’s operating cash to work with CNote. Earn competitive returns, maintain full liquidity, and support communities across the country—without compromising the values your donors care about. With quarterly impact reports and full transparency, CNote makes it easy to align your financial strategy with your purpose and extend your impact, even before a grant is made.
Impact Cash®
Earn competitive blended return with CNote’s Impact Cash® while ensuring your money is safe, fully insured, and driving positive change. Your funds are placed in mission-driven financial institutions that support small business growth, affordable housing, disaster relief, and local economic development in underserved communities across the country.
Competitive Blended Returns Cash with Impact 100% FDIC and NCUA Insurance Coverage1 Flexible Liquidity Supports CDFI Banks and Credit Unions
Climate CashTM
Earn competitive blended return on your deposits with CNote’s Climate Cash™ while helping to combat climate change and support environmental resilience. Your fully insured deposits are placed in mission-driven financial institutions funding renewable energy projects, sustainable agriculture, green infrastructure, and other initiatives that build a more sustainable future.
Competitive Blended Returns Combat Climate Change with your Deposits 100% FDIC and NCUA Insurance Coverage Deposit up to $50M in Climate-Friendly Insured Deposits
Flagship Fund
Earn competitive blended return on your deposits with CNote’s Climate Cash™ while helping to combat climate change and support environmental resilience. Your fully insured deposits are placed in mission-driven financial institutions funding renewable energy projects, sustainable agriculture, green infrastructure, and other initiatives that build a more sustainable future.
Competitive Blended Returns Combat Climate Change with your Deposits 100% FDIC and NCUA Insurance Coverage Deposit up to $50M in Climate-Friendly Insured Deposits
Impact Flex
Earn competitive blended return on your deposits with CNote’s Climate Cash™ while helping to combat climate change and support environmental resilience. Your fully insured deposits are placed in mission-driven financial institutions funding renewable energy projects, sustainable agriculture, green infrastructure, and other initiatives that build a more sustainable future.
Competitive Blended Returns Combat Climate Change with your Deposits 100% FDIC and NCUA Insurance Coverage Deposit up to $50M in Climate-Friendly Insured Deposits
Make a Difference with Deposits.
See where how foundation’s deposits make a difference through Impact Stories from both Impact Cash® and Climate CashTM
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- Impact Cash® deposits are insured by the FDIC or NCUA, subject to the terms and conditions of the Impact Cash agreements. CNote Group, Inc. (CNote) is not a bank, a credit union, or any other type of financial institution. CNote 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 does not negotiate interest rates. Impact Cash deposits are not securities or investments. We encourage you to consult with a financial adviser or investment professional to determine whether or not the CNote platform makes sense for you.This information should not be relied upon as investment or financial advice. Any projected returns are illustrative, interest rates are set by the depository institutions and are subject to change at any time.