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 InsuranceBlended 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®.
When Terry Boykins was first approached to serve on the board of directors for a nonprofit called Project Fighting Chance, the social entrepreneur politely said “thanks, but no thanks.” It wasn’t because Terry wasn’t aligned with Project Fighting Chance’s mission to function as a viable safe space and trauma resilience support system for youth in […]
When Mellaney Williams and her husband graduated college and moved to South Carolina in 2001, Mellaney’s husband got himself involved in the irrigation installation trade. However, what started as a side hustle quickly turned into something much bigger, as demand for him and his services grew. Soon, American Home and Commercial Services LLC was doing […]
When Jim Barnhart pushed pause on his 34-year-long career in banking, he never could have imagined that a global pandemic was right around the corner. Instead, Jim was looking forward to some quality time at home with his family, particularly so he could help his son, a senior in high school, transition to college. As […]
When most people think about social justice, they don’t think about circus arts; however, for John Highkin, social change is at the center of his community arts nonprofit, Fern Street Circus. John grew up in Los Angeles and became a musician before moving to England to get a master’s degree in English. In 1987, while […]
Gloria Dickerson wants to change the way people think. It’s no easy task, particularly when it comes to encouraging low-income communities to dream bigger than the world they know. However, Gloria Dickerson is no stranger to adversity. Gloria was born into an impoverished family of sharecroppers in Drew, Mississippi. She was one of 13 children, […]
- 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. ↩︎