fixed income and cash solutions.

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

CNote impact investments

CNote’s core offerings

Climate Cash TMSustainable

$ Blended

  • Combat Climate Change with your Deposits
  • 100% FDIC and NCUA Insurance Coverage 1
  • Deposits Back Meaningful, Traceable Initiatives Like Affordable Solar Power in Low-Income Areas and Energy-Efficient Appliances/Building Enhancements.
  • Streamlined Interface for Signup and Account Opening
  • Deposit up to $50M in Climate-Friendly Insured Deposits
  • Accredited Investors Only
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Impact Cash ®Scalable

$ Blended

  • Cash with Impact
  • 100% FDIC and NCUA Insurance Coverage 2
  • Supports CDFI Banks and Credit Unions
  • Flexible Liquidity
  • Accredited Investors Only
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Flagship FundDiversified

$ 4.00%

  • An Easy Way to Start Impact Investing3
  • Open to All Investors
  • Competitive Returns
  • Diversified CDFI Investment
  • 30-Month Term With Flexible Quarterly Liquidity4
  • No Minimum
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Wisdom FundDrive Social Change

$ 3.00%

  • Long-Term Impact and Systems Change
  • Accredited Investors Only
  • Provides sustainable, affordable loan capital for Women of Color Entrepreneurs
  • Delivers dedicated small business coaching for borrowers
  • Investments also fund research to improve lending process for women of color
  • 60-month Term
  • $100,000 Minimum5
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What we do


Think of CNote technology as the “pipes” that unlock competitive and impactful community investments across the United States.

Through increased access, better data quality, and a large and diverse portfolio of community partners, CNote is able to offer cash and fixed income opportunities at scale for investors.

It has never been easier to align your investments with your values.


CNote works with federally-certified community development financial institutions (CDFIs) and low-income designated (LID) credit unions, as well as other mission-driven financial institutions.

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 under-served communities.

Bespoke impact investing

Customized impact investments

CNote can help you construct customized impact investment offerings tailored to your specific goals and objectives. To inquire about a customized offering, please email

Place-based investing

CNote’s network of 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 (SDGs)? No problem, CNote also maps investments to the SDGs.

Simplified impact investing with flexibility liquidity and competitive returns

Flagship Fund

CNote’s Flagship Fund generates a 4.00% return while directing all funds to community development organizations that fund loans for small businesses, help build affordable housing and bring sustainable economic growth to communities across America. 

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Invest in the future of women

Wisdom Fund

The Wisdom Fund is a fixed income vehicle that increases capital access and small business lending for women entrepreneurs of color.

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Cash management solution that delivers competitive returns with impact.

Impact Cash®

Impact Cash® 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 returns.

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