Project Fighting Chance is a CNote Success Story. Read more here.

Invest in an economy that works for everyone

CNote helps institutions invest capital into underserved communities at scale

Institutional Investors Loan Funds Depository Institutions

Impactful

CNote's impactful deposit programs create jobs, fund BIPOC-owned small businesses and support affordable housing development

Proven

CNote partners with federally-certified community lenders that have decades of experience investing locally

Inclusive

CNote is a women-led certified B-Corporation that uses technology to foster greater economic and racial justice through investment

Scalable

CNote technology empowers institutions to align their deposits and investments with the causes that matter to them

Align Your Investments With Your Values

Create Real Change

Deposits from institutional partners like “Mastercard and the Mastercard Impact Fund who collectively deployed $20 million into Impact Cash^TM (formerly Promise Account)”¹ help fund small business loans for women of color entrepreneurs like Toni Hopkins who turned her passion for entrepreneurship into a successful storefront, despite the challenges of the pandemic.

Connect Capital to Causes

Empower Communities

Thanks to forward-thinking corporations and funders like Netflix, Cortegia Collins was able to address the shortage of quality childcare in her home town of St. Louis, Missouri by opening her own small business. A CNote partner CDFI helped her with the vital funding needed to open her own center and now supports Cortegia as she expands to a second location.

Enjoy Impact Investing, Simplified

Further Economic Justice

CNote’s technology and network of community partners make it easy to deploy capital to help entrepreneurs like Clara, who expanded her flooring business with a small business loan funded by impact investors like PayPal

“CNote brings a nationwide network of community partners and the expertise to know when and where capital is needed. They also know how to work with a corporate finance department, and made it easier for us to broaden and deepen our efforts to help underserved communities of color thrive.”

-Aaron Anderson, Treasurer, PayPal

CNote works with inspiring mission-driven financial institutions. Learn more:

I'm an Investor I'm a Loan Fund I'm a Depository Institution

CNote by the Numbers

totals and averages since inception

Over 4,000 Jobs created or maintained

Over 50% of capital invested into BIPOC-led small businesses

Over 40% of capital invested into women-led small businesses, 8x the national average²

Zero Losses

We Report Impact Data and Produce Rich Stories to Share with Your Stakeholders

CNote Success Stories

Borrower Stories Community Partners

How Metropolitan Economic Development Association Is Scaling Itself To Shrink Minnesota’s Racial Wealth Gap

Over the course of their careers as inpatient nurses, Murwo Elmi, Ikraan Abdulle, Farhia Abdulahi,…

MattJuly 18, 2022

Borrower Stories

Meet Lorain Francis, Whose Full-Time And Volunteer Jobs Are To Fight Food Insecurity In Maine

Although Lorain Francis hasn’t always worked on the frontlines of food insecurity, she’s been surrounded…

MattJune 24, 2022

Borrower Stories

How Toni Hopkins Embraced Her Entrepreneurial Side To Open Cool J’s Apparel During The Pandemic

In the years leading up to the COVID-19 pandemic, Toni Hopkins and her husband talked…

MattApril 15, 2022

Help us close the wealth gap

Individual Investors

Institutional Investors

Loan Funds

Depository Institutions

Our securities consist of various promissory notes (“Notes”) that are offered to eligible investors pursuant to Regulation A+ and Regulation D under the Securities Act of 1933, as amended. We direct the capital invested through the issuance of our Notes to partner Community Development Financial Institutions and Low-Income-Designated Credit Unions, who use that capital to offer financial products and resources to the communities they serve, funding small business owners, affordable housing development, other community-centered projects.

For more information on risks related to investing in our Notes, please see our latest filings with the Securities and Exchange Commission and the terms of the applicable offering documents. Neither the SEC nor any state securities regulator has passed upon or endorsed the merits of any investment decision into CNote’s offerings.

CNote is not a bank, and investments in our Notes are not bank deposits. Unless otherwise specified in the offering documents of a CNote product, CNote investments are not insured by the FDIC or by any other governmental agency.

Investing in our Notes involves risk of loss, including the principal invested. We encourage you to consult with a financial adviser or investment professional to determine whether or not an investment in our Notes makes sense for you.

CNote is not an investment adviser or a broker-dealer, and does not provide investment, legal, or tax advice. Information provided herein is for educational purposes only and is not tailored for any individual investor. It should not be relied upon as financial or investment advice. Any projected returns are based on the current interest rate offered on our Notes, which may be subject to change, and is not guaranteed. Past performance is no guarantee of future results.