CNote | Inside CNote’s Flagship Fund Fixed Income Opportunity.  

At CNote, we believe your money should work toward more than just financial returns—it should help build stronger communities. That’s the idea behind our fixed income products, which allow clients to earn returns while supporting opportunities like small business growth, affordable housing, and disaster recovery.

The Flagship Fund, with a history of no losses, is a fixed-income investment option. Here’s how it works.

How It Works

1. Capital In Clients invest funds into CNote’s fixed income offering. These funds are structured as promissory notes (“Notes”) issued by CNote.

2. Strategic Deployment CNote channels that capital to a vetted network of Community Development Financial Institutions (CDFIs) loan funds, specialized lenders with a proven track record of supporting underserved communities.

3. Community Lending CDFIs deploy this capital into high-impact projects supporting small business growth, affordable housing, climate resilience, and community development.

4. Returns and Reporting You have the potential to earn 4% annual return, and Investors receive reporting on the impact of their investment within communities.

Why the Flagship Fund?

• History of No Losses: Since its inception, the Flagship Fund has never experienced a loss. While there is always risk with investing, including loss of principal, its history highlights a resilient performance.

• Medium-Term Commitment: Flagship Fund has a 30-month term, making it a good fit for clients seeking both impact and short to medium-term horizon.

• Quarterly Access: Each quarter, clients may request to withdraw up to 10% of their investment.

• Broad and Diversified Impact: Because funds are deployed across multiple CDFIs, your capital reaches a wide range of communities and initiatives.

Key Considerations

• Flagship Fund investments are unsecured promissory notes issued by CNote. Returns are not guaranteed. Investing involves risk, including loss of principal. Investment decisions should be based on an evaluation of personal financial situation, needs, risk tolerance and investment objectives. Consult with a financial adviser or investment professional to determine what investment strategy makes sense for you.

• CNote Group, Inc. is not a bank, a credit union, or any other type of financial institution. CNote is not a registered investment advisor with the Securities and Exchange Commission (SEC) or a broker-dealer authorized by the Financial Industry Regulatory Authority (FINRA). CNote is not a legal, financial, accounting or tax advisor. CNote offers unregistered securities consisting of various promissory notes (“Notes”) to eligible investors pursuant to Regulation A and Regulation D under the Securities Act of 1933, as amended. For more information on risks related to investing in our Flagship Fund Notes, 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.

Making Your Capital Count

The Flagship Fund shows how fixed income can be more than just numbers on a page. You have the opportunity to earn returns while fueling opportunities in communities nationwide.