Competitive and Impactful

Fixed Income and Cash Solutions.

Award-winning financial products forged at the intersection of technology, financial innovation and social conscience.

What We Do


CNote uses technology to build the “pipes” that unlock competitive and impactful community investments across America.

Our technology has won awards and allowed us to unlock a new cash and fixed income opportunities at scale for all investors.

It has never been easier align your investments with your values, whether you’re investing $5 or $50 million.


CNote works exclusively with federally-certified Community Development Financial Institutions (CDFIs) and Low-Income Designated (LID) Credit Unions.

These community-focused enterprises meet strict federal program guidelines, have robust financial performance histories and have consistently delivered financial resources and increased lending activity in traditionally under-served communities.

CNote Impact Investments

CNote’s Off-The-Shelf Products

Flagship Fund

$ 2.75%

  • An Easy Way to Start Impact Investing1
  • Open to All Investors
  • Diversified CDFI Investment
  • 30-Month Term With Flexible Quarterly Liquidity2
  • No Minimum
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Rapid Response FundMost Impact

$ 1.00%

  • Structured for Maximum Impact3
  • Accredited Investors Only
  • Small Business Focused
  • 60-month Term
  • $100,000 Minimum
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Promise Account

$ Variable

  • Cash with Impact
  • Fully Insured4
  • Supports CDFI Banks and Credit Unions
  • Accredited Investors Only
  • 90-day Term
  • $250,000 Minimum
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Wisdom Fund

$ 1.00%

  • Long-Term Impact5
  • Accredited Investors Only
  • Provides sustainable, affordable loan capital for Women of Color Entrepreneurs
  • 60-month Term
  • $100,000 Minimum
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Bespoke Impact Investing

Customized Impact Investments

CNote can help you construct customized impact investment offerings tailored to your specific goals and objectives.

Place-Based Investing

CNote’s large network of CDFI partners covers all 50 states and allows investors to target specific geographies, ranging from a regional focus all the way to granular city and community targeting.

Targeted Impact Themes

CNote offers 26 unique thematic investing targets, ranging from Refugee Crisis and Immigration Issues, to Climate Change, Affordable Housing, and Racial Equity. More familiar with the UN Sustainable Development Goals? No problem, CNote also maps investments to the SDGs.

Simplified impact investing with flexibility liquidity and competitive returns.

CNote's Flagship Fund

CNote’s Flagship Fund generates a 2.75% return while directing 100% of invested funds to community development organizations that fund loans for small businesses, help build affordable housing and bring sustainable economic growth to communities across America. CNote’s CDFI partners have been around for decades and have not lost a single investor dollar. Ever.6

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Invest in the future of women.

CNote's Wisdom Fund

The Wisdom Fund is a fixed income vehicle that increases capital access and small business lending for women entrepreneurs, specifically targeting women of color and those in low-income communities across the United States.

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Cash management solution that delivers competitive returns with impact.

CNote's Promise Account

The CNote Promise Account is a fully insured cash management solution that gives investors a single place to put their cash to work for positive social impact while achieving attractive market-rate returns.

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