What is The Flagship Fund?
The Flagship Fund is a fixed-income solution that provides a smart alternative to standard investments. Investor funds help CNote’s network of over 500+ mission-driven financial institutions, which supports small business loans, affordable housing projects, disaster recovery, and sustainable economic growth in communities across America.
With the Flagship Fund, you have the potential to earn 4% annual return while driving meaningful, measurable impact.
A Better Place for Short-Term Investing
Designed for Competitive Returns
Offers a potential of 4% annual return, providing a compelling option to investors. 1Available for Accredited and Qualified Unaccredited Investors
Accessible to a wide range of investors, making it an inclusive option for those seeking to align their investments with their values.Proven Track Record
Since its inception in 2016, the Flagship Fund has consistently delivered returns, offering investors historical insight into potential earnings.Diversification
Investments that support a nationwide network of 500+ mission-driven financial institutions, helping reduce risk while driving social outcomes.Quarterly Liquidity
The Flagship Fund offers flexible liquidity, giving you access to your dollars on a quarterly basis when needed.2Impact-Driven
Your investment supports small businesses, affordable housing, and economic development in underserved communities, delivering measurable impact alongside the potential for financial growth.
Equal Opportunity to All


Investing in underserved communities and minority entrepreneurs isn’t just to check a box. These entrepreneurs have the opportunity to drive new levels of prosperity in America and are often among the fastest-growing categories of entrepreneurs. By investing in these communities, you are helping close the wealth gap.

CDFIs have been fighting discriminatory lending practices for decades, making financial services available to all communities. By investing with CNote, you are helping mission-driven financial institutions fight these practices and bring lending equality across America.

It was the perfect fixed-income solution.
— Paulo Albuquerque, CNote Investor since 2019
“I joined CNote in 2019 because of the Flagship Fund’s concrete impact—projects that create jobs and income for underserved communities. It was the perfect fixed-income complement to my Impact portfolio and aligned with my motivation to support the initiatives that benefit society.”
Become an Impact Investor in Minutes
The Flagship Fund makes impact investing effortless from start to finish. Signing up is simple and secure, and our intuitive platform allows you to easily manage your funds, access detailed financial insights, and monitor the impact your investment is making. With real-time updates on principal balance, accrued interest, transactions, and impact metrics, you stay informed and in control every step of the way.

See How The Flagship Fund Helps Communities Around America.
CNote provides transparency by providing impact reports as well as real impact stories from people who receive loans supported by the fund. Learn how your dollars are making a difference in underserved communities around the United States.
CNote’s Flagship Fund offers a unique opportunity to achieve both financial growth and make positive change.
Accredited Investors have a unique chance to align wealth-building goals for values, fostering positive change without compromising on returns.
Impact investing doesn’t have to be difficult or time-consuming. With CNote, you can quickly become an impact investor on the CNote platform and support under-resourced communities with vital capital for small business growth, affordable housing development, climate adaptation, and more; all while earning 4.00% APY*. The Role of CDFIs Community Development Financial Institution (CDFI) […]
Once down on its luck, Baltimore, Maryland is now on a rebound. One entrepreneur helping to make the city a better place to live is David Akinniyi, founder and owner of the Akinniyi Group, a real estate development and leasing company. His goal is to enhance the lives of Baltimore residents by creating luxury communities […]
Partners
By working with some of the country’s most inspiring and dedicated leaders, Flagship Fund drives capital and new opportunities into the hands of hard-working communities across the United States. Further, CNote and Flagship Fund partners are committed to co-creating the product alongside the community we aim to serve, giving underserved communities a voice where they traditionally have not been heard.






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- CNote has management discretion regarding liquidity and currently offers clients quarterly liquidity of 10% of invested assets or up to $20,000. For full investment terms for unaccredited investors please see our latest Flagship Fund Offering Circular as filed with and qualified by the SEC. For accredited investors please see our latest Flagship Fund Private Placement Memorandum. ↩︎
- CNote has management discretion regarding liquidity and currently offers clients quarterly liquidity of 10% of invested assets or up to $20,000. For full investment terms for unaccredited investors please see our latest Flagship Fund Offering Circular as filed with and qualified by the SEC. For accredited investors please see our latest Flagship Fund Private Placement Memorandum. ↩︎