Designed to Earn Competitive Returns and Drive Economic Change Through Impact Investing
Use your money to drive positive change throughout America.
As an impact investor, you can achieve competitive returns through CNote’s cash management solution, Impact Cash®, and a potential 4% return with fixed-income offerings such as the Flagship Fund and Wisdom Fund. These solutions offer a chance to earn competitive returns, flexible liquidity, and access to a trusted network of over 2,500+ mission-driven financial institutions. Your cash doesn’t just grow—it creates lasting financial support for underserved communities across the nation. Impact Investors no longer need to choose between growing their wealth and driving positive change.
Grow Your Wealth with Confidence
Maximize your financial potential with CNote’s innovative investment solutions. Whether you’re seeking a secure place for your cash or looking to earn competitive returns, our offerings deliver a balance of impact and performance. With products like Impact Cash®, which provides 100% FDIC or NCUA insurance coverage and fixed-income offering potential 4.00% returns, you can diversify your portfolio with confidence.
CNote connects your capital to a network of over 2,500+ mission-driven financial institutions, offering both safety and the opportunity to make your money work harder.


Invest with Impact
Investing in impact means aligning your financial goals with your values. With competitive returns and the power to drive positive change, your investments can support small businesses, affordable housing, and underserved communities—all while growing your wealth. Make your money work for you and for a better future.
I’ve been investing with CNote for years—in both their Flagship and Wisdom Fund.
— Jodi Morris, Founder at Let’s Venture, Wisdom Fund Investor

Align Your Financial Goals with Your Values
Align your financial goals with your values effortlessly through fixed-income solutions that support mission-driven financial institutions. Imagine growing your wealth while making a meaningful impact in communities.
Flagship Fund
Earn a potential 4.00% return with CNote’s Flagship Fund while supporting community development organizations that fund small business growth, affordable housing, and sustainable economic progress across America.
An Easy Way to Start Impact Investing1
Open to All Investors
Competitive Returns
Diversified CDFI Investment
30-Month Term With Flexible Quarterly Liquidity2
No Minimum
Impact Cash®
Impact Cash® empowers individuals to align their cash with their values through a secure, 100% FDIC and NCUA-insured solution that preserves capital while driving meaningful social impact.
100% FDIC/NCUA Insurance
Blended APY
$50,000 minimum
Deposits funds to affordable housing, women-led small business and economic inclusion activities.
Flexible Liquidity
Accredited Investors Only
Invest in Impact, Invest in Communities.
See where your investments make a difference through Impact Stories from both the Flagship and Wisdom Fund, as well as Impact Cash®.
Natural disasters strike without warning, leaving a trail of destruction in their wake. In the United States, the frequency and intensity of natural disasters have been steadily increasing, affecting millions of individuals and communities each year. These events disproportionately impact underserved communities, as they often lack the resources and financial stability to prepare for and […]
CNote Expands Access to Impact Investing CNote is proud to announce that Impact Cash®, one of our most impactful and flexible financial solutions, is now available to Individual Investors.
CNote’s Disaster Recovery and Resilience Program aims to bridge that gap, providing support through loans and insured deposits to community financial institutions that help these communities rebuild and prepare for future challenges.
In a world where social and economic inequalities are increasingly visible, there is a growing demand for options that drive positive social change. CNote’s Impact Cash® offers a unique opportunity to support initiatives that empower underserved communities and foster economic inclusion. What is Impact Cash®? Impact Cash® directs funds into Community Development Financial Institutions (CDFIs), […]
The sustainable and impact investing market has grown to nearly $10T in assets under management in recent years and is expected to grow to over $30T by 2026. These investments, geared towards major societal issues are an opportunity to create transformative change and align investments with your values. The recent proliferation of greenwashing poses significant […]
- Returns are not guaranteed. The Flagship Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the all offering documents including note terms prior to investing. ↩︎
- CNote has management discretion around liquidity and currently offers clients quarterly liquidity up to $20,000 or 10% of invested assets, whichever is greater. At a minimum, CNote investors will have access to 10% of their investment every quarter. For full investment terms see the Offering Circular for unaccredited investors and the Private Placement Memorandum for accredited investors. ↩︎
- Returns are not guaranteed. The Wisdom Fund issues Adjustable Rate Promissory Notes that are non-recourse obligations of CNote and involve the risk of loss, including principal. You should carefully review the subscription agreement, note terms, and our Private Placement Memorandum prior to investing. ↩︎