Private Credit Platforms Compared

Last reviewed:: September 11, 2026
Next review:: December 11, 2026
Reviewed by:: ROIStreet Publisher

Private-credit platforms can quote similar-looking rates while giving investors very different legal claims. One investor may own an unsecured issuer note, another a small-business bond, another a loan participation and another an interest in a diversified private-credit vehicle.

ROIStreet compares the mechanics behind the rate: who owes the money, how repayment works, what collateral or seniority exists, what fees apply and what happens if the borrower cannot pay. This page does not rank platforms by headline yield.

Educational comparison of published platform features. Not investment, tax, or legal advice. Not an offer or recommendation to open any account or buy any security. Some links are affiliate links. See disclosure.

How this comparison works

A private-credit comparison is only useful if it separates the legal instrument from the marketing rate. The borrower, issuer, collateral package, maturity and recovery process can matter more than a one- or two-point difference in stated yield.

This rubric measures published credit structure, access, fees, repayment mechanics and liquidity—not expected return and not the “best investment.”

Evaluation dimensions and their weights
Dimension	Weight	What it covers
Credit structure and borrower transparency	20%	Examines who legally owes the investor money, what instrument the investor owns, who originates or services the credit and how clearly the underlying borrower or asset exposure is described. A simple interface is not treated as a simple credit structure.
Rate and repayment transparency	15%	Separates coupon, interest rate, APY, potential annual return and other yield language, then documents payment frequency, amortization and maturity. A higher stated rate does not score better merely because it is higher.
Access, eligibility and minimums	15%	Documents accredited versus non-accredited access, offering-specific investor limits, current availability and the minimum needed to enter the relevant product.
Fee-stack transparency	15%	Looks at investor platform fees, transaction charges, management fees, payment-processing costs, servicing economics and fund expenses without combining percentages that use different calculation bases.
Liquidity and maturity	15%	Documents contractual terms, redemption mechanics, secondary-market or transfer options, extensions and default/workout effects. A short stated maturity is not treated as guaranteed repayment on that date.
Collateral, seniority and default mechanics	10%	Examines secured versus unsecured status, lien or collateral position, issuer-level exposure, limited recourse and workout mechanics where documented. Collateral is not treated as government insurance.
Regulatory and intermediary clarity	10%	Distinguishes issuers, lenders of record, funding portals, broker-dealers, advisers, managers and servicing entities, including Regulation A, Regulation Crowdfunding and other offering structures where relevant.

Platform comparison

Listed alphabetically. The order of this table is not a ranking.

Published fees, minimums and product availability by platform, listed alphabetically
Platform	Investor eligibility (accredited vs. non-accredited)	Current new-investment availability	Credit asset / borrower exposure	Legal instrument / ownership structure	Minimum investment	Published rate, coupon, APY or yield measure and its type	Contractual term / maturity	Repayment / distribution mechanics	Investor-facing platform / management fee	Other transaction, servicing, fund or payment fee layers	Liquidity / redemption / transfer / secondary-market treatment	Collateral, seniority and default / recovery structure	IRA / SDIRA availability	Regulatory / issuer / originator / intermediary structure	Last fact checked
CNote	Flagship is marketed to both accredited and non-accredited investors. Accredited investors use the applicable private-placement documents; non-accredited access is subject to the applicable Regulation A offering documents and investor limits.	CNote's live Flagship page currently displays active 'Start Investing' calls to action and markets Flagship as available to investors. A separate 2026 Regulation A filing under File No. 024-12790 is on EDGAR; do not infer from the filing alone that every Regulation A sale is currently qualified. Treat availability as subject to the applicable current offering documents.	Community-development credit. CNote uses Flagship proceeds to finance a network of mission-driven community financial institutions that in turn support small businesses, affordable housing, disaster recovery and other community-development lending.	Impact fixed-income platform whose Flagship product is an unsecured CNote promissory note rather than a registered pooled fund. CNote uses investor proceeds to finance community financial institutions; other CNote products, including the Wisdom Fund and Impact Cash, use distinct structures.	Flagship is marketed with no practical minimum and uses $1 note units; that does not apply universally to every CNote product. The accredited-only Wisdom Fund, for example, uses a separate $100,000 minimum.	Potential 4.00% annual return on Flagship, as displayed on CNote's live product page and re-verified September 11, 2026. The rate is presented as a potential annual return / note interest rate, not a guaranteed realized return.	30-month contractual term for Flagship Notes. Principal and accrued interest are due at maturity unless earlier paid, withdrawn under the governing liquidity provisions, or otherwise handled under the applicable note terms.	Flagship Notes accrue interest under the note terms. Accredited-note documents permit an investor to elect monthly interest payments; otherwise unpaid interest can compound. Principal is generally due at the 30-month maturity, subject to CNote's call/prepayment rights and the separate quarterly withdrawal-request mechanism.	$0 investor platform fee for Flagship. CNote's live Flagship materials state no investor minimums or fees for the product.	No separate investor transaction, servicing or management fee is published for Flagship in the current product materials reviewed September 11, 2026. This does not apply to CNote's other products or to external account/custody costs.	Flagship is a 30-month note with a quarterly liquidity-request feature, not guaranteed quarterly liquidity. Requests remain subject to governing terms and limits; the private note is not exchange traded.	Flagship Notes are general unsecured obligations of CNote rather than direct participations in specific CDFI loans. The Notes rank with CNote's other unsecured debt unless another obligation is expressly senior or subordinated. Investors therefore bear CNote issuer credit risk in addition to the performance of CNote's community-finance loan book.	No current Flagship-specific IRA or SDIRA investment workflow was identified in CNote's official product and legal materials reviewed September 11, 2026. CNote publishes general educational material about SDIRAs, but that should not be rendered as current platform support.	CNote Group, Inc. is the note issuer and is not a bank, SEC-registered investment adviser or FINRA broker-dealer. CNote states that its promissory-note securities are offered to eligible investors under Regulation A and Regulation D. Flagship Notes are private/unregistered securities and are not bank deposits or FDIC-insured savings products.	2026-09-11
Groundfloor	Core Regulation A offerings are open to U.S. residents in states where the issuer has filed the required notice; Groundfloor also offers separate accredited-investor products.	Open — Groundfloor currently lists fixed-term real-estate Notes and individual real-estate Loans/LROs for investment, with new individual loans released on a recurring schedule.	Debt — the core real-estate investments are securities backed economically by short-term residential real-estate loans rather than equity ownership of the properties.	Private real-estate credit platform with two distinct core structures. Groundfloor Notes are fixed-term Groundfloor-issued notes backed economically by diversified pools of short-term residential real-estate loans; individual project investments generally use Limited Recourse Obligations tied to repayment of a specified underlying loan. Neither structure makes the investor the direct mortgage lender or property owner.	$10 for individual Loans; $100-$1,000 for principal open-to-all Note terms. The accredited-only Preferred Note currently shows a $10,000 minimum.	Groundfloor Notes use fixed, term-specific rates. The current Notes page re-verified September 11, 2026 displays 5.0% for the 1-month Note, 6.0% for the 3-month Note, 8.5% for the 12-month Signature Note and 7.0% for the accredited 6-month Preferred Note. Groundfloor's current marketing uses both 'fixed APY' and 'fixed APR' terminology; preserve that terminology conflict rather than normalizing it into a single yield label.	Notes are generally designed to be held to maturity, with current terms as short as one month and a 12-month Signature Note. Individual project loans can take longer than expected if construction is delayed or a borrower defaults.	Repayment is Note-specific. The current 12-month Signature Note and 6-month Preferred Note pay interest monthly; the current 1-month and 3-month Notes pay interest at maturity. Principal is returned at maturity subject to the issuer's ability to perform and the applicable Note terms.	No investor fee on standard Notes or Loans under current guidance; other offerings can carry separate economics.	Groundfloor currently advertises no investor fees for its core Notes and Loans; fees for accredited or emerging-alternative offerings are product-specific.	No general secondary market is documented for Groundfloor’s core Notes or LROs in the official product materials reviewed September 10, 2026; investors generally receive principal as the Note matures or the underlying loan repays, and workouts can extend timing.	Current Groundfloor Notes are backed by diversified pools of short-term residential real-estate loans, with each underlying loan secured by a first-lien position on the underlying property. The investor owns the Groundfloor Note, not a personal mortgage or deed on each property; borrower default, collateral value and issuer structure still affect recovery.	Self-directed IRA investing is supported for real-estate loans, including Traditional, Roth and SEP IRA options. New Groundfloor IRA accounts currently require a $25,000 initial transfer; existing IRA accounts have a $1,000 minimum transfer. The public IRA page’s custody-fee statement only covers fees through December 2025, so no post-2025 custody-fee claim is inferred.	Groundfloor Finance Inc. and affiliates offer core securities under Regulation A. Individual project investments are Limited Recourse Obligations tied to repayment of specified underlying loans, while pooled Notes are separate Groundfloor-issued debt securities backed by diversified loan pools.	2026-09-11
Honeycomb Credit	Eligible accredited and non-accredited investors can participate in Honeycomb Regulation Crowdfunding offerings, subject to Reg CF investment limits and platform identity requirements. Honeycomb's current investor page states that investors can begin at age 18.	Open — Honeycomb currently displays live debt offerings accepting investments. Individual campaigns open, fill, expire or close on their own schedules, so availability must remain offering-specific.	Primarily individual small-business and community-project debt, including locally owned businesses and current climate/renewable-energy projects. Credit exposure is issuer-specific rather than a diversified platform fund.	Regulation Crowdfunding investments offered through Honeycomb Portal LLC, a registered funding portal rather than a broker-dealer. Current offerings are heavily debt-oriented and can include promissory notes, revenue-share notes or other issuer-specific Reg CF securities.	$100 current platform starting minimum, subject to offering-specific terms.	Offering-specific stated interest rate. Honeycomb's live investor page currently markets opportunities up to 15.25%, while live offerings display different stated rates. The maximum marketing rate is not a platform-wide coupon or expected portfolio return.	Offering-specific. Each Honeycomb campaign's offering page and Form C control the maturity and repayment term. Honeycomb does not publish one universal debt term across all current offerings.	Debt-offering repayment is set by the individual campaign. Honeycomb states that businesses generally make scheduled payments and investor repayments are usually distributed quarterly into the Honeycomb Wallet; many amortizing notes involve monthly borrower payments. Revenue-share and other structures can use different schedules.	Recent 2026 Honeycomb Regulation Crowdfunding debt offerings commonly disclose a 3% investor fee, with the dollar cap set by the specific offering; recent filings include a $75 cap. Do not present the cap as universal when the Form C states different terms.	Payment-method and issuer-side economics are offering-specific. A current 2026 Form C example discloses credit-card funding at 5.5% + $2, Honeycomb Wallet funding at 0%, and a hybrid Wallet/ACH method at 2% capped at $30. Current Form C filings can also disclose issuer-paid portal/platform and loan-servicing compensation; those issuer-side charges should not be mislabeled as additional investor fees.	No daily liquidity or guaranteed secondary market. Reg CF securities generally face a one-year transfer restriction subject to statutory exceptions, and repayment or exit depends on the issuer and offering terms.	Offering-specific. Honeycomb states that many debt campaigns include business collateral, a blanket lien, specific-asset collateral and/or a personal guarantee, but not every offering has identical security or seniority. The campaign page and Form C control; in default, investors can face delayed or incomplete recovery.	No current Honeycomb-specific IRA or SDIRA investing workflow was identified in the official investor, terms and education materials reviewed September 11, 2026.	Current securities are offered by the applicable small-business issuer through Honeycomb Portal LLC, a Regulation Crowdfunding funding portal (SEC file 7-119; CRD 289015), not a broker-dealer. Honeycomb Credit, Inc. is the broader platform company. The securities are speculative private offerings; funding-portal status is not protection against issuer default or loss.	2026-09-11
Percent	Accredited investors only for Percent’s investment products; additional qualification requirements can apply to managed mandates or institutional structures.	Open — accredited investors can browse live private-credit deals and use self-directed, Blended Note and managed/SMA structures; individual deals open and close as allocations fill.	Private credit, including asset-backed lending, corporate and specialty-finance credit, consumer-receivable financing, blended notes and managed private-credit portfolios.	Private-credit platform with separate legal roles: self-directed private placements are brokered through Percent Securities, LLC; managed private-credit portfolios are offered through SEC-registered Percent Advisors, LLC; and affiliated fund structures can use Percent Fund Advisors. Investors generally own private debt securities or pooled-note interests rather than the underlying borrower loans directly.	Direct Investing minimum $500. Blended Notes minimum $5,000. Current public SMA materials do not establish a single universal retail minimum.	Percent markets new private-credit deals using coupon rate, not APY. Current live examples re-verified September 11, 2026 include different deal-level coupons, and Percent states most direct deals historically fall within an indicative 12%–18% coupon range. Each offering's coupon controls; the range is not a guaranteed platform return.	Direct deals commonly run 6–24 months, and the broader platform can include deals extending to approximately 36 months. A default or workout can extend the real holding period.	Deal-specific. Percent states most direct private-credit deals pay interest monthly or at maturity, with the schedule disclosed for each deal. At maturity investors can withdraw or reinvest; eligible positions can also be offered through Percent's secondary-market indication process before maturity, which does not guarantee a buyer.	Direct: 10% of coupon earned. Blended Notes: 1% annual management fee plus 10% of coupon. SMA: 1% of AUM plus 10% of gross coupon/returns. Secondary: 0.50% buyer and 0.50% seller of trade size.	Product-specific. Direct investments currently charge a servicing fee equal to 10% of coupon earned; managed products such as SMAs and Blended Notes can add a 1% annual management fee plus a 10% servicing fee on coupon payments. Offering documents control the exact economics.	A live Secondary Market launched publicly in 2026 after a late-2025 beta. It is not a registered ATS, trades do not auto-execute, indications are non-binding, not all deals qualify and liquidity is not guaranteed.	Deal-specific. Percent's core marketplace includes senior-secured, asset-based and self-liquidating structures backed by receivables or other contractual cash-flow assets, but collateral and seniority vary by deal. Investors must use the offering documents for the exact collateral package, priority and default/workout terms.	Supported through self-directed IRA custodians. Percent identifies partners including Alto, Forge Trust, Rocket Dollar and Strata and can consider other custodians case by case; Percent itself is not the IRA custodian.	Self-directed private placements are facilitated through Percent Securities, LLC, a FINRA-registered broker-dealer; managed private-credit portfolios are offered through Percent’s affiliated advisory structure. The investor generally holds private debt securities or pooled-note interests rather than the borrower loans directly.	2026-09-11
SMBX	Accredited and non-accredited U.S. investors can use SMBX subject to Regulation Crowdfunding limits. Current SMBX help states investors must be at least 18 and have U.S. identity, address, banking and tax-identification information.	Platform operational, but no live Small Business Bond offering was displayed on SMBX's public marketplace when re-verified September 11, 2026. Do not describe SMBX as currently having an investable live bond until the marketplace shows an active offering.	Direct issuer-specific small-business credit. Each Small Business Bond finances one private small or medium-sized business rather than a diversified bond fund.	Regulation Crowdfunding funding portal for issuer-specific private Small Business Bonds. Investors purchase fixed-rate, fixed-term debt securities issued by individual small businesses, typically with monthly principal-and-interest payments; SMBX, Inc. is a funding portal rather than a broker-dealer.	$10 minimum investment in a Small Business Bond, with investments generally made in $10 increments; issuer fundraising minimums are separate from the investor purchase minimum.	Issuer-specific fixed interest rate. SMBX currently markets Small Business Bonds with rates 'up to 11.5%,' but no live public-marketplace offering was displayed on September 11, 2026. Do not use 11.5% as a current investable platform-wide rate.	Issuer-specific. Each Small Business Bond prospectus sets its own repayment duration and maturity; SMBX does not publish one universal term for all bonds.	Successful Small Business Bond offerings repay investors with fixed monthly principal-and-interest payments for the duration of the bond. Payments begin after the offering closes successfully and continue until maturity, subject to issuer performance and default risk.	$0 when investing through a linked bank account. SMBX currently charges a 4% processing fee when an investor chooses to fund an investment by credit card.	SMBX also earns issuer-side compensation that varies by offering. Current 2026 Form C filings can include a sliding-scale capital-raise fee and a recurring payment-processing fee charged to the issuer. Those issuer charges are separate from the investor's $0 bank-account / 4% credit-card funding choice.	No public exchange or daily liquidity and no guaranteed secondary market. Investors should generally expect to hold the private bond and receive contractual payments through maturity unless a permitted transfer is available.	Offering-specific. SMBX bond pages and prospectuses disclose each issuer's collateral terms, and the marketplace supports collateral filtering. There is no universal collateral or seniority position across all Small Business Bonds; investors remain exposed to the individual issuer's ability to repay.	No current SMBX-specific IRA or SDIRA investing workflow was identified in the official investor, marketplace and help materials reviewed September 11, 2026.	SMBX operates as a Regulation Crowdfunding funding portal, not a broker-dealer. Current 2026 SEC Form C filings identify SMBX LLC, SEC file 7-129 and CRD 290186, as the intermediary. Each Small Business Bond is issued by the applicable small business; escrow and payment partners are separate service providers.	2026-09-11
Steward	Steward does not use a standard accredited-investor requirement for its current lending model. Individuals must self-certify as sophisticated/qualified lenders who understand the loan transaction, can evaluate its risks and can bear the potential loss of principal.	Steward Regenerative Capital is currently open for lending. Steward's public projects page currently shows the evergreen Regenerative Capital campaign open while separate individual lending campaigns can be open, coming soon or already funded.	Regenerative-agriculture and food-system commercial credit. Steward Regenerative Capital lends across a diversified collection of farms, ranches, fisheries and food producers; separate campaigns can finance individual agricultural businesses.	Private commercial-lending platform operated by Steward Technologies LLC with Steward Lending LLC as lender of record. Investors fund loan participations or the Steward Regenerative Capital lending structure rather than buying farm equity or publicly traded securities; current terms state these lending offerings are not securities.	$100 current minimum for the open Steward Regenerative Capital offering. Individual Steward loan participations or future campaigns can set different minimums, so $100 should not be treated as a permanent platformwide threshold.	Current Steward Regenerative Capital terms display a 7.5% stated annual rate for the 9-month loan and monthly interest payments. Steward's live page uses both '7.5% APY' and '7.50% APR/annual interest rate' language; preserve the provider's terminology conflict rather than inventing a normalized yield measure.	Steward Regenerative Capital currently uses a 9-month contractual loan term. Individual farm/food-business participations have their own terms and can be materially longer.	For Steward Regenerative Capital, interest repayments are issued monthly on the 15th and principal plus the final interest payment is scheduled for the 15th at the 9-month maturity. The current SRC process also permits an early-withdrawal request with three months' notice. Individual participated loans use their own amortization, interest-only and balloon schedules.	$0 lender platform, management and transaction fee. Steward states it does not charge participating lenders a fee to originate or service their loan participations.	Steward earns an embedded loan-servicing spread: the borrower can pay a higher gross rate than the net interest rate shown to participating lenders. Steward states that this spread is separate from, and does not reduce, the advertised lender rate. Borrower origination/diligence charges are separate borrower-side economics.	Private-loan liquidity, not daily liquidity. Individual projects are generally expected to be held through maturity; Steward Regenerative Capital currently offers an early-withdrawal process after the initial period with roughly three months' notice, but there is no public secondary market or instant redemption.	Steward's current Regenerative Capital loan is secured by Steward's portfolio of short-term regenerative loans. Individual participated loans can be secured by borrower assets such as land, equipment, inventory or other project collateral. Security reduces but does not eliminate default or recovery risk.	No current Steward-specific IRA or SDIRA lending workflow was identified in the official lender, checkout and Regenerative Capital materials reviewed September 11, 2026.	Steward Technologies LLC operates the platform. Steward Lending LLC is the lender of record and originator for Steward-related loans and publishes NMLS ID 2410860. Steward describes its current loan-participation model as commercial lending rather than securities; it is not presented as a broker-dealer or investment-adviser platform. The investor is a participating lender, not an equity owner of the farm.	2026-09-11
Willow Wealth	Product-specific — many Willow Wealth private placements are intended for accredited investors, while evergreen funds and Willow 360 use their own eligibility rules. Eligibility must be confirmed for the specific investment rather than treated as one platform-wide accreditation rule.	Open — Willow Wealth currently offers evergreen funds, direct private-market opportunities, Short Term Notes and Willow 360 Managed Portfolios; individual opportunities open and close over time.	Private credit, private equity and real estate, plus specialized private-market strategies such as art and legal finance; exposure is delivered through product-specific funds, notes, individual opportunities or managed portfolios.	Private-markets investment platform operated under the Willow Wealth brand, formerly Yieldstreet, with product-specific legal roles. Willow Asset Management LLC is the affiliated SEC-registered adviser that manages Willow funds and Willow 360 managed portfolios; Willow Wealth Markets LLC is an affiliated SEC/FINRA/SIPC broker-dealer for applicable private-market activity; Willow Wealth also uses Atomic Brokerage with Pershing custody for certain managed-portfolio brokerage accounts. Direct offerings, managed portfolios and fund products retain their own governing documents and liquidity terms.	Direct investments typically begin at $5,000 with $1,000 increments (offering-specific); Willow 360 managed portfolios begin at $25,000.	Short Term Notes publish a term-specific 'net annualized yield' / target annualized rate for 3-, 6- and 9-month Notes. Current numeric rates are login-gated on Willow Wealth's public page as of September 11, 2026, so ROIStreet should not invent or display a numeric current rate from an older series.	Multi-year; treat committed capital as unavailable on short notice	Short Term Notes target monthly interest payments, with principal projected to be returned at maturity. Current public terms offer 3-, 6- and 9-month target terms, and Willow's rollover feature can direct matured principal into a subsequent Note when the investor elects it.	Willow 360: 1.25% annual advisory fee plus approximately 0.175% underlying expenses (approximately 1.425% combined headline cost before other underlying, transaction and offering-specific expenses). Individual offerings and third-party funds carry offering-specific economics disclosed in their own documents; no universal platform fee percentage applies.	Product-specific. Willow 360 currently charges a 1.25% annual advisory fee plus approximately 0.175% in underlying expenses. Evergreen funds use manager-set fund expenses and can also carry a one-time commitment fee, while direct private-market offerings can have separate transaction, fund, administration, carry or other offering-level costs disclosed in their governing documents.	Direct private offerings are highly illiquid with transfer restrictions and no guaranteed early exit. Third-party evergreen funds may offer periodic, limited liquidity that is offering-specific. Willow 360 restricts liquidity in the first year, then allows a liquidation election whose timing depends on the underlying funds. Willow Wealth Markets LLC supports an affiliated secondary market only for certain qualifying real-estate private-fund interests; there is no universal secondary market.	Short Term Notes are private securities and are not FDIC-insured bank deposits. Willow states that Notes issued under the Short Term Notes program are secured by all assets of the issuing entity, including investments purchased through the program; for standard 3-, 6- and 9-month Notes, Willow generally purchases 5% of the aggregate series in a first-loss position. These protections do not eliminate credit risk or guarantee principal repayment.	Supported for eligible investments through Equity Trust self-directed retirement accounts, including Traditional, Roth, SEP and SIMPLE IRAs. Willow currently states that Willow 360 and evergreen fund investments are not available inside these IRA accounts.	Willow Wealth Inc. owns Willow Asset Management LLC, an SEC-registered investment adviser, and Willow Wealth Markets LLC, an SEC-registered FINRA/SIPC broker-dealer. Willow 360 brokerage services are provided through Atomic Brokerage with Pershing providing custody/clearing as applicable; legal roles vary by product.	2026-09-11
Worthy Bonds	Worthy's public materials state that eligible accredited and non-accredited U.S. investors age 18+ can purchase applicable Worthy bonds, subject to offering-specific purchase limits and state availability.	Not verified open as of September 11, 2026. Worthy's live website still encourages bond purchases, but the latest identified Worthy Property Bonds 2 Regulation A offering was terminated on June 21, 2026, according to the issuer's July 15, 2026 Form 1-K. Until a current replacement offering/issuer is identified and verified, do not mark new subscriptions as open.	Issuer-level private corporate credit tied primarily to real-estate lending. The applicable Worthy issuer uses bond proceeds to fund or invest in real-estate-related loans and other permitted assets; the bondholder is exposed to the Worthy issuer rather than directly lending to each underlying developer.	Small-denomination corporate bonds issued by Worthy subsidiaries. The known Worthy Property Bonds are unsecured obligations of the issuer; proceeds can be deployed into mortgages, liens and other real-estate-related assets, but the bondholder does not receive direct property ownership, a mortgage interest or a specific collateral lien.	$10 current bond denomination and minimum purchase reference. Larger platform or offering limits are separate from the minimum and should not be presented as a required starting investment.	Worthy's live marketing and current help materials continue to display a fixed 6.5% APY reference, with daily compounding, and a March 2026 marketing page explicitly dates the 6.5% rate context. Because no current post-June-21 replacement offering has been verified, treat 6.5% as the current marketing/outstanding-bond rate reference, not as proof of an investable open offering.	The recent Worthy Property Bond structures are demand bonds with no stated maturity date. The issuer may redeem the bonds under the governing terms, and the holder may request redemption subject to issuer liquidity and offering-specific conditions.	Interest is credited and compounded daily under the recent Worthy Property Bond terms. Holders can request redemption rather than waiting for a fixed maturity, but redemption depends on the issuing company's ability to pay and can be delayed under the applicable terms; demand redemption is not a principal guarantee.	$0 ordinary purchase, withdrawal, transfer or management fee in Worthy's current consumer materials.	No ordinary investor transaction or withdrawal fee is published for the Worthy bond account. External retirement-account/custodian charges can apply when an investor uses an IRA and are not Worthy platform fees. Offering expenses and affiliate economics belong to the issuer, not a separate investor platform fee.	Demand-redemption structure rather than exchange liquidity. Bondholders can request repayment under the applicable terms, but the bonds are not publicly exchange-listed, same-day redemption is not guaranteed and larger requests can be delayed; issuer liquidity and credit condition remain relevant.	The Worthy Property bonds are general unsecured obligations of the issuing Worthy company and are not payment-dependent on a particular underlying mortgage or loan. The issuer may invest proceeds in real-estate loans secured by first mortgages, but the bondholder does not receive a direct lien on those loans or properties.	Supported — Worthy's current investor page offers an IRA account option using funds from an existing IRA. Any outside IRA custodian structure and fees remain separate from the Worthy bond's own terms.	Worthy Property bonds are private corporate debt securities issued directly by the applicable Worthy issuer under Regulation A offering statements. They are not publicly exchange-traded bonds, bank deposits or FDIC-insured accounts. The SEC qualification process does not represent an SEC endorsement of the bonds' creditworthiness or guarantee repayment.	2026-09-11

CNote

Investor eligibility (accredited vs. non-accredited): Flagship is marketed to both accredited and non-accredited investors. Accredited investors use the applicable private-placement documents; non-accredited access is subject to the applicable Regulation A offering documents and investor limits.
Current new-investment availability: CNote's live Flagship page currently displays active 'Start Investing' calls to action and markets Flagship as available to investors. A separate 2026 Regulation A filing under File No. 024-12790 is on EDGAR; do not infer from the filing alone that every Regulation A sale is currently qualified. Treat availability as subject to the applicable current offering documents.
Credit asset / borrower exposure: Community-development credit. CNote uses Flagship proceeds to finance a network of mission-driven community financial institutions that in turn support small businesses, affordable housing, disaster recovery and other community-development lending.
Legal instrument / ownership structure: Impact fixed-income platform whose Flagship product is an unsecured CNote promissory note rather than a registered pooled fund. CNote uses investor proceeds to finance community financial institutions; other CNote products, including the Wisdom Fund and Impact Cash, use distinct structures.
Minimum investment: Flagship is marketed with no practical minimum and uses $1 note units; that does not apply universally to every CNote product. The accredited-only Wisdom Fund, for example, uses a separate $100,000 minimum.
Published rate, coupon, APY or yield measure and its type: Potential 4.00% annual return on Flagship, as displayed on CNote's live product page and re-verified September 11, 2026. The rate is presented as a potential annual return / note interest rate, not a guaranteed realized return.
Contractual term / maturity: 30-month contractual term for Flagship Notes. Principal and accrued interest are due at maturity unless earlier paid, withdrawn under the governing liquidity provisions, or otherwise handled under the applicable note terms.
Repayment / distribution mechanics: Flagship Notes accrue interest under the note terms. Accredited-note documents permit an investor to elect monthly interest payments; otherwise unpaid interest can compound. Principal is generally due at the 30-month maturity, subject to CNote's call/prepayment rights and the separate quarterly withdrawal-request mechanism.
Investor-facing platform / management fee: $0 investor platform fee for Flagship. CNote's live Flagship materials state no investor minimums or fees for the product.
Other transaction, servicing, fund or payment fee layers: No separate investor transaction, servicing or management fee is published for Flagship in the current product materials reviewed September 11, 2026. This does not apply to CNote's other products or to external account/custody costs.
Liquidity / redemption / transfer / secondary-market treatment: Flagship is a 30-month note with a quarterly liquidity-request feature, not guaranteed quarterly liquidity. Requests remain subject to governing terms and limits; the private note is not exchange traded.
Collateral, seniority and default / recovery structure: Flagship Notes are general unsecured obligations of CNote rather than direct participations in specific CDFI loans. The Notes rank with CNote's other unsecured debt unless another obligation is expressly senior or subordinated. Investors therefore bear CNote issuer credit risk in addition to the performance of CNote's community-finance loan book.
IRA / SDIRA availability: No current Flagship-specific IRA or SDIRA investment workflow was identified in CNote's official product and legal materials reviewed September 11, 2026. CNote publishes general educational material about SDIRAs, but that should not be rendered as current platform support.
Regulatory / issuer / originator / intermediary structure: CNote Group, Inc. is the note issuer and is not a bank, SEC-registered investment adviser or FINRA broker-dealer. CNote states that its promissory-note securities are offered to eligible investors under Regulation A and Regulation D. Flagship Notes are private/unregistered securities and are not bank deposits or FDIC-insured savings products.
Last fact checked: 2026-09-11

Groundfloor

Investor eligibility (accredited vs. non-accredited): Core Regulation A offerings are open to U.S. residents in states where the issuer has filed the required notice; Groundfloor also offers separate accredited-investor products.
Current new-investment availability: Open — Groundfloor currently lists fixed-term real-estate Notes and individual real-estate Loans/LROs for investment, with new individual loans released on a recurring schedule.
Credit asset / borrower exposure: Debt — the core real-estate investments are securities backed economically by short-term residential real-estate loans rather than equity ownership of the properties.
Legal instrument / ownership structure: Private real-estate credit platform with two distinct core structures. Groundfloor Notes are fixed-term Groundfloor-issued notes backed economically by diversified pools of short-term residential real-estate loans; individual project investments generally use Limited Recourse Obligations tied to repayment of a specified underlying loan. Neither structure makes the investor the direct mortgage lender or property owner.
Minimum investment: $10 for individual Loans; $100-$1,000 for principal open-to-all Note terms. The accredited-only Preferred Note currently shows a $10,000 minimum.
Published rate, coupon, APY or yield measure and its type: Groundfloor Notes use fixed, term-specific rates. The current Notes page re-verified September 11, 2026 displays 5.0% for the 1-month Note, 6.0% for the 3-month Note, 8.5% for the 12-month Signature Note and 7.0% for the accredited 6-month Preferred Note. Groundfloor's current marketing uses both 'fixed APY' and 'fixed APR' terminology; preserve that terminology conflict rather than normalizing it into a single yield label.
Contractual term / maturity: Notes are generally designed to be held to maturity, with current terms as short as one month and a 12-month Signature Note. Individual project loans can take longer than expected if construction is delayed or a borrower defaults.
Repayment / distribution mechanics: Repayment is Note-specific. The current 12-month Signature Note and 6-month Preferred Note pay interest monthly; the current 1-month and 3-month Notes pay interest at maturity. Principal is returned at maturity subject to the issuer's ability to perform and the applicable Note terms.
Investor-facing platform / management fee: No investor fee on standard Notes or Loans under current guidance; other offerings can carry separate economics.
Other transaction, servicing, fund or payment fee layers: Groundfloor currently advertises no investor fees for its core Notes and Loans; fees for accredited or emerging-alternative offerings are product-specific.
Liquidity / redemption / transfer / secondary-market treatment: No general secondary market is documented for Groundfloor’s core Notes or LROs in the official product materials reviewed September 10, 2026; investors generally receive principal as the Note matures or the underlying loan repays, and workouts can extend timing.
Collateral, seniority and default / recovery structure: Current Groundfloor Notes are backed by diversified pools of short-term residential real-estate loans, with each underlying loan secured by a first-lien position on the underlying property. The investor owns the Groundfloor Note, not a personal mortgage or deed on each property; borrower default, collateral value and issuer structure still affect recovery.
IRA / SDIRA availability: Self-directed IRA investing is supported for real-estate loans, including Traditional, Roth and SEP IRA options. New Groundfloor IRA accounts currently require a $25,000 initial transfer; existing IRA accounts have a $1,000 minimum transfer. The public IRA page’s custody-fee statement only covers fees through December 2025, so no post-2025 custody-fee claim is inferred.
Regulatory / issuer / originator / intermediary structure: Groundfloor Finance Inc. and affiliates offer core securities under Regulation A. Individual project investments are Limited Recourse Obligations tied to repayment of specified underlying loans, while pooled Notes are separate Groundfloor-issued debt securities backed by diversified loan pools.
Last fact checked: 2026-09-11

Honeycomb Credit

Investor eligibility (accredited vs. non-accredited): Eligible accredited and non-accredited investors can participate in Honeycomb Regulation Crowdfunding offerings, subject to Reg CF investment limits and platform identity requirements. Honeycomb's current investor page states that investors can begin at age 18.
Current new-investment availability: Open — Honeycomb currently displays live debt offerings accepting investments. Individual campaigns open, fill, expire or close on their own schedules, so availability must remain offering-specific.
Credit asset / borrower exposure: Primarily individual small-business and community-project debt, including locally owned businesses and current climate/renewable-energy projects. Credit exposure is issuer-specific rather than a diversified platform fund.
Legal instrument / ownership structure: Regulation Crowdfunding investments offered through Honeycomb Portal LLC, a registered funding portal rather than a broker-dealer. Current offerings are heavily debt-oriented and can include promissory notes, revenue-share notes or other issuer-specific Reg CF securities.
Minimum investment: $100 current platform starting minimum, subject to offering-specific terms.
Published rate, coupon, APY or yield measure and its type: Offering-specific stated interest rate. Honeycomb's live investor page currently markets opportunities up to 15.25%, while live offerings display different stated rates. The maximum marketing rate is not a platform-wide coupon or expected portfolio return.
Contractual term / maturity: Offering-specific. Each Honeycomb campaign's offering page and Form C control the maturity and repayment term. Honeycomb does not publish one universal debt term across all current offerings.
Repayment / distribution mechanics: Debt-offering repayment is set by the individual campaign. Honeycomb states that businesses generally make scheduled payments and investor repayments are usually distributed quarterly into the Honeycomb Wallet; many amortizing notes involve monthly borrower payments. Revenue-share and other structures can use different schedules.
Investor-facing platform / management fee: Recent 2026 Honeycomb Regulation Crowdfunding debt offerings commonly disclose a 3% investor fee, with the dollar cap set by the specific offering; recent filings include a $75 cap. Do not present the cap as universal when the Form C states different terms.
Other transaction, servicing, fund or payment fee layers: Payment-method and issuer-side economics are offering-specific. A current 2026 Form C example discloses credit-card funding at 5.5% + $2, Honeycomb Wallet funding at 0%, and a hybrid Wallet/ACH method at 2% capped at $30. Current Form C filings can also disclose issuer-paid portal/platform and loan-servicing compensation; those issuer-side charges should not be mislabeled as additional investor fees.
Liquidity / redemption / transfer / secondary-market treatment: No daily liquidity or guaranteed secondary market. Reg CF securities generally face a one-year transfer restriction subject to statutory exceptions, and repayment or exit depends on the issuer and offering terms.
Collateral, seniority and default / recovery structure: Offering-specific. Honeycomb states that many debt campaigns include business collateral, a blanket lien, specific-asset collateral and/or a personal guarantee, but not every offering has identical security or seniority. The campaign page and Form C control; in default, investors can face delayed or incomplete recovery.
IRA / SDIRA availability: No current Honeycomb-specific IRA or SDIRA investing workflow was identified in the official investor, terms and education materials reviewed September 11, 2026.
Regulatory / issuer / originator / intermediary structure: Current securities are offered by the applicable small-business issuer through Honeycomb Portal LLC, a Regulation Crowdfunding funding portal (SEC file 7-119; CRD 289015), not a broker-dealer. Honeycomb Credit, Inc. is the broader platform company. The securities are speculative private offerings; funding-portal status is not protection against issuer default or loss.
Last fact checked: 2026-09-11

Percent

Investor eligibility (accredited vs. non-accredited): Accredited investors only for Percent’s investment products; additional qualification requirements can apply to managed mandates or institutional structures.
Current new-investment availability: Open — accredited investors can browse live private-credit deals and use self-directed, Blended Note and managed/SMA structures; individual deals open and close as allocations fill.
Credit asset / borrower exposure: Private credit, including asset-backed lending, corporate and specialty-finance credit, consumer-receivable financing, blended notes and managed private-credit portfolios.
Legal instrument / ownership structure: Private-credit platform with separate legal roles: self-directed private placements are brokered through Percent Securities, LLC; managed private-credit portfolios are offered through SEC-registered Percent Advisors, LLC; and affiliated fund structures can use Percent Fund Advisors. Investors generally own private debt securities or pooled-note interests rather than the underlying borrower loans directly.
Minimum investment: Direct Investing minimum $500. Blended Notes minimum $5,000. Current public SMA materials do not establish a single universal retail minimum.
Published rate, coupon, APY or yield measure and its type: Percent markets new private-credit deals using coupon rate, not APY. Current live examples re-verified September 11, 2026 include different deal-level coupons, and Percent states most direct deals historically fall within an indicative 12%–18% coupon range. Each offering's coupon controls; the range is not a guaranteed platform return.
Contractual term / maturity: Direct deals commonly run 6–24 months, and the broader platform can include deals extending to approximately 36 months. A default or workout can extend the real holding period.
Repayment / distribution mechanics: Deal-specific. Percent states most direct private-credit deals pay interest monthly or at maturity, with the schedule disclosed for each deal. At maturity investors can withdraw or reinvest; eligible positions can also be offered through Percent's secondary-market indication process before maturity, which does not guarantee a buyer.
Investor-facing platform / management fee: Direct: 10% of coupon earned. Blended Notes: 1% annual management fee plus 10% of coupon. SMA: 1% of AUM plus 10% of gross coupon/returns. Secondary: 0.50% buyer and 0.50% seller of trade size.
Other transaction, servicing, fund or payment fee layers: Product-specific. Direct investments currently charge a servicing fee equal to 10% of coupon earned; managed products such as SMAs and Blended Notes can add a 1% annual management fee plus a 10% servicing fee on coupon payments. Offering documents control the exact economics.
Liquidity / redemption / transfer / secondary-market treatment: A live Secondary Market launched publicly in 2026 after a late-2025 beta. It is not a registered ATS, trades do not auto-execute, indications are non-binding, not all deals qualify and liquidity is not guaranteed.
Collateral, seniority and default / recovery structure: Deal-specific. Percent's core marketplace includes senior-secured, asset-based and self-liquidating structures backed by receivables or other contractual cash-flow assets, but collateral and seniority vary by deal. Investors must use the offering documents for the exact collateral package, priority and default/workout terms.
IRA / SDIRA availability: Supported through self-directed IRA custodians. Percent identifies partners including Alto, Forge Trust, Rocket Dollar and Strata and can consider other custodians case by case; Percent itself is not the IRA custodian.
Regulatory / issuer / originator / intermediary structure: Self-directed private placements are facilitated through Percent Securities, LLC, a FINRA-registered broker-dealer; managed private-credit portfolios are offered through Percent’s affiliated advisory structure. The investor generally holds private debt securities or pooled-note interests rather than the borrower loans directly.
Last fact checked: 2026-09-11

SMBX

Investor eligibility (accredited vs. non-accredited): Accredited and non-accredited U.S. investors can use SMBX subject to Regulation Crowdfunding limits. Current SMBX help states investors must be at least 18 and have U.S. identity, address, banking and tax-identification information.
Current new-investment availability: Platform operational, but no live Small Business Bond offering was displayed on SMBX's public marketplace when re-verified September 11, 2026. Do not describe SMBX as currently having an investable live bond until the marketplace shows an active offering.
Credit asset / borrower exposure: Direct issuer-specific small-business credit. Each Small Business Bond finances one private small or medium-sized business rather than a diversified bond fund.
Legal instrument / ownership structure: Regulation Crowdfunding funding portal for issuer-specific private Small Business Bonds. Investors purchase fixed-rate, fixed-term debt securities issued by individual small businesses, typically with monthly principal-and-interest payments; SMBX, Inc. is a funding portal rather than a broker-dealer.
Minimum investment: $10 minimum investment in a Small Business Bond, with investments generally made in $10 increments; issuer fundraising minimums are separate from the investor purchase minimum.
Published rate, coupon, APY or yield measure and its type: Issuer-specific fixed interest rate. SMBX currently markets Small Business Bonds with rates 'up to 11.5%,' but no live public-marketplace offering was displayed on September 11, 2026. Do not use 11.5% as a current investable platform-wide rate.
Contractual term / maturity: Issuer-specific. Each Small Business Bond prospectus sets its own repayment duration and maturity; SMBX does not publish one universal term for all bonds.
Repayment / distribution mechanics: Successful Small Business Bond offerings repay investors with fixed monthly principal-and-interest payments for the duration of the bond. Payments begin after the offering closes successfully and continue until maturity, subject to issuer performance and default risk.
Investor-facing platform / management fee: $0 when investing through a linked bank account. SMBX currently charges a 4% processing fee when an investor chooses to fund an investment by credit card.
Other transaction, servicing, fund or payment fee layers: SMBX also earns issuer-side compensation that varies by offering. Current 2026 Form C filings can include a sliding-scale capital-raise fee and a recurring payment-processing fee charged to the issuer. Those issuer charges are separate from the investor's $0 bank-account / 4% credit-card funding choice.
Liquidity / redemption / transfer / secondary-market treatment: No public exchange or daily liquidity and no guaranteed secondary market. Investors should generally expect to hold the private bond and receive contractual payments through maturity unless a permitted transfer is available.
Collateral, seniority and default / recovery structure: Offering-specific. SMBX bond pages and prospectuses disclose each issuer's collateral terms, and the marketplace supports collateral filtering. There is no universal collateral or seniority position across all Small Business Bonds; investors remain exposed to the individual issuer's ability to repay.
IRA / SDIRA availability: No current SMBX-specific IRA or SDIRA investing workflow was identified in the official investor, marketplace and help materials reviewed September 11, 2026.
Regulatory / issuer / originator / intermediary structure: SMBX operates as a Regulation Crowdfunding funding portal, not a broker-dealer. Current 2026 SEC Form C filings identify SMBX LLC, SEC file 7-129 and CRD 290186, as the intermediary. Each Small Business Bond is issued by the applicable small business; escrow and payment partners are separate service providers.
Last fact checked: 2026-09-11

Steward

Investor eligibility (accredited vs. non-accredited): Steward does not use a standard accredited-investor requirement for its current lending model. Individuals must self-certify as sophisticated/qualified lenders who understand the loan transaction, can evaluate its risks and can bear the potential loss of principal.
Current new-investment availability: Steward Regenerative Capital is currently open for lending. Steward's public projects page currently shows the evergreen Regenerative Capital campaign open while separate individual lending campaigns can be open, coming soon or already funded.
Credit asset / borrower exposure: Regenerative-agriculture and food-system commercial credit. Steward Regenerative Capital lends across a diversified collection of farms, ranches, fisheries and food producers; separate campaigns can finance individual agricultural businesses.
Legal instrument / ownership structure: Private commercial-lending platform operated by Steward Technologies LLC with Steward Lending LLC as lender of record. Investors fund loan participations or the Steward Regenerative Capital lending structure rather than buying farm equity or publicly traded securities; current terms state these lending offerings are not securities.
Minimum investment: $100 current minimum for the open Steward Regenerative Capital offering. Individual Steward loan participations or future campaigns can set different minimums, so $100 should not be treated as a permanent platformwide threshold.
Published rate, coupon, APY or yield measure and its type: Current Steward Regenerative Capital terms display a 7.5% stated annual rate for the 9-month loan and monthly interest payments. Steward's live page uses both '7.5% APY' and '7.50% APR/annual interest rate' language; preserve the provider's terminology conflict rather than inventing a normalized yield measure.
Contractual term / maturity: Steward Regenerative Capital currently uses a 9-month contractual loan term. Individual farm/food-business participations have their own terms and can be materially longer.
Repayment / distribution mechanics: For Steward Regenerative Capital, interest repayments are issued monthly on the 15th and principal plus the final interest payment is scheduled for the 15th at the 9-month maturity. The current SRC process also permits an early-withdrawal request with three months' notice. Individual participated loans use their own amortization, interest-only and balloon schedules.
Investor-facing platform / management fee: $0 lender platform, management and transaction fee. Steward states it does not charge participating lenders a fee to originate or service their loan participations.
Other transaction, servicing, fund or payment fee layers: Steward earns an embedded loan-servicing spread: the borrower can pay a higher gross rate than the net interest rate shown to participating lenders. Steward states that this spread is separate from, and does not reduce, the advertised lender rate. Borrower origination/diligence charges are separate borrower-side economics.
Liquidity / redemption / transfer / secondary-market treatment: Private-loan liquidity, not daily liquidity. Individual projects are generally expected to be held through maturity; Steward Regenerative Capital currently offers an early-withdrawal process after the initial period with roughly three months' notice, but there is no public secondary market or instant redemption.
Collateral, seniority and default / recovery structure: Steward's current Regenerative Capital loan is secured by Steward's portfolio of short-term regenerative loans. Individual participated loans can be secured by borrower assets such as land, equipment, inventory or other project collateral. Security reduces but does not eliminate default or recovery risk.
IRA / SDIRA availability: No current Steward-specific IRA or SDIRA lending workflow was identified in the official lender, checkout and Regenerative Capital materials reviewed September 11, 2026.
Regulatory / issuer / originator / intermediary structure: Steward Technologies LLC operates the platform. Steward Lending LLC is the lender of record and originator for Steward-related loans and publishes NMLS ID 2410860. Steward describes its current loan-participation model as commercial lending rather than securities; it is not presented as a broker-dealer or investment-adviser platform. The investor is a participating lender, not an equity owner of the farm.
Last fact checked: 2026-09-11

Willow Wealth

Investor eligibility (accredited vs. non-accredited): Product-specific — many Willow Wealth private placements are intended for accredited investors, while evergreen funds and Willow 360 use their own eligibility rules. Eligibility must be confirmed for the specific investment rather than treated as one platform-wide accreditation rule.
Current new-investment availability: Open — Willow Wealth currently offers evergreen funds, direct private-market opportunities, Short Term Notes and Willow 360 Managed Portfolios; individual opportunities open and close over time.
Credit asset / borrower exposure: Private credit, private equity and real estate, plus specialized private-market strategies such as art and legal finance; exposure is delivered through product-specific funds, notes, individual opportunities or managed portfolios.
Legal instrument / ownership structure: Private-markets investment platform operated under the Willow Wealth brand, formerly Yieldstreet, with product-specific legal roles. Willow Asset Management LLC is the affiliated SEC-registered adviser that manages Willow funds and Willow 360 managed portfolios; Willow Wealth Markets LLC is an affiliated SEC/FINRA/SIPC broker-dealer for applicable private-market activity; Willow Wealth also uses Atomic Brokerage with Pershing custody for certain managed-portfolio brokerage accounts. Direct offerings, managed portfolios and fund products retain their own governing documents and liquidity terms.
Minimum investment: Direct investments typically begin at $5,000 with $1,000 increments (offering-specific); Willow 360 managed portfolios begin at $25,000.
Published rate, coupon, APY or yield measure and its type: Short Term Notes publish a term-specific 'net annualized yield' / target annualized rate for 3-, 6- and 9-month Notes. Current numeric rates are login-gated on Willow Wealth's public page as of September 11, 2026, so ROIStreet should not invent or display a numeric current rate from an older series.
Contractual term / maturity: Multi-year; treat committed capital as unavailable on short notice
Repayment / distribution mechanics: Short Term Notes target monthly interest payments, with principal projected to be returned at maturity. Current public terms offer 3-, 6- and 9-month target terms, and Willow's rollover feature can direct matured principal into a subsequent Note when the investor elects it.
Investor-facing platform / management fee: Willow 360: 1.25% annual advisory fee plus approximately 0.175% underlying expenses (approximately 1.425% combined headline cost before other underlying, transaction and offering-specific expenses). Individual offerings and third-party funds carry offering-specific economics disclosed in their own documents; no universal platform fee percentage applies.
Other transaction, servicing, fund or payment fee layers: Product-specific. Willow 360 currently charges a 1.25% annual advisory fee plus approximately 0.175% in underlying expenses. Evergreen funds use manager-set fund expenses and can also carry a one-time commitment fee, while direct private-market offerings can have separate transaction, fund, administration, carry or other offering-level costs disclosed in their governing documents.
Liquidity / redemption / transfer / secondary-market treatment: Direct private offerings are highly illiquid with transfer restrictions and no guaranteed early exit. Third-party evergreen funds may offer periodic, limited liquidity that is offering-specific. Willow 360 restricts liquidity in the first year, then allows a liquidation election whose timing depends on the underlying funds. Willow Wealth Markets LLC supports an affiliated secondary market only for certain qualifying real-estate private-fund interests; there is no universal secondary market.
Collateral, seniority and default / recovery structure: Short Term Notes are private securities and are not FDIC-insured bank deposits. Willow states that Notes issued under the Short Term Notes program are secured by all assets of the issuing entity, including investments purchased through the program; for standard 3-, 6- and 9-month Notes, Willow generally purchases 5% of the aggregate series in a first-loss position. These protections do not eliminate credit risk or guarantee principal repayment.
IRA / SDIRA availability: Supported for eligible investments through Equity Trust self-directed retirement accounts, including Traditional, Roth, SEP and SIMPLE IRAs. Willow currently states that Willow 360 and evergreen fund investments are not available inside these IRA accounts.
Regulatory / issuer / originator / intermediary structure: Willow Wealth Inc. owns Willow Asset Management LLC, an SEC-registered investment adviser, and Willow Wealth Markets LLC, an SEC-registered FINRA/SIPC broker-dealer. Willow 360 brokerage services are provided through Atomic Brokerage with Pershing providing custody/clearing as applicable; legal roles vary by product.
Last fact checked: 2026-09-11

Worthy Bonds

Investor eligibility (accredited vs. non-accredited): Worthy's public materials state that eligible accredited and non-accredited U.S. investors age 18+ can purchase applicable Worthy bonds, subject to offering-specific purchase limits and state availability.
Current new-investment availability: Not verified open as of September 11, 2026. Worthy's live website still encourages bond purchases, but the latest identified Worthy Property Bonds 2 Regulation A offering was terminated on June 21, 2026, according to the issuer's July 15, 2026 Form 1-K. Until a current replacement offering/issuer is identified and verified, do not mark new subscriptions as open.
Credit asset / borrower exposure: Issuer-level private corporate credit tied primarily to real-estate lending. The applicable Worthy issuer uses bond proceeds to fund or invest in real-estate-related loans and other permitted assets; the bondholder is exposed to the Worthy issuer rather than directly lending to each underlying developer.
Legal instrument / ownership structure: Small-denomination corporate bonds issued by Worthy subsidiaries. The known Worthy Property Bonds are unsecured obligations of the issuer; proceeds can be deployed into mortgages, liens and other real-estate-related assets, but the bondholder does not receive direct property ownership, a mortgage interest or a specific collateral lien.
Minimum investment: $10 current bond denomination and minimum purchase reference. Larger platform or offering limits are separate from the minimum and should not be presented as a required starting investment.
Published rate, coupon, APY or yield measure and its type: Worthy's live marketing and current help materials continue to display a fixed 6.5% APY reference, with daily compounding, and a March 2026 marketing page explicitly dates the 6.5% rate context. Because no current post-June-21 replacement offering has been verified, treat 6.5% as the current marketing/outstanding-bond rate reference, not as proof of an investable open offering.
Contractual term / maturity: The recent Worthy Property Bond structures are demand bonds with no stated maturity date. The issuer may redeem the bonds under the governing terms, and the holder may request redemption subject to issuer liquidity and offering-specific conditions.
Repayment / distribution mechanics: Interest is credited and compounded daily under the recent Worthy Property Bond terms. Holders can request redemption rather than waiting for a fixed maturity, but redemption depends on the issuing company's ability to pay and can be delayed under the applicable terms; demand redemption is not a principal guarantee.
Investor-facing platform / management fee: $0 ordinary purchase, withdrawal, transfer or management fee in Worthy's current consumer materials.
Other transaction, servicing, fund or payment fee layers: No ordinary investor transaction or withdrawal fee is published for the Worthy bond account. External retirement-account/custodian charges can apply when an investor uses an IRA and are not Worthy platform fees. Offering expenses and affiliate economics belong to the issuer, not a separate investor platform fee.
Liquidity / redemption / transfer / secondary-market treatment: Demand-redemption structure rather than exchange liquidity. Bondholders can request repayment under the applicable terms, but the bonds are not publicly exchange-listed, same-day redemption is not guaranteed and larger requests can be delayed; issuer liquidity and credit condition remain relevant.
Collateral, seniority and default / recovery structure: The Worthy Property bonds are general unsecured obligations of the issuing Worthy company and are not payment-dependent on a particular underlying mortgage or loan. The issuer may invest proceeds in real-estate loans secured by first mortgages, but the bondholder does not receive a direct lien on those loans or properties.
IRA / SDIRA availability: Supported — Worthy's current investor page offers an IRA account option using funds from an existing IRA. Any outside IRA custodian structure and fees remain separate from the Worthy bond's own terms.
Regulatory / issuer / originator / intermediary structure: Worthy Property bonds are private corporate debt securities issued directly by the applicable Worthy issuer under Regulation A offering statements. They are not publicly exchange-traded bonds, bank deposits or FDIC-insured accounts. The SEC qualification process does not represent an SEC endorsement of the bonds' creditworthiness or guarantee repayment.
Last fact checked: 2026-09-11

Which platform fits which situation

Community-finance fixed income

CNote

CNote Flagship gives individual investors exposure to community-development finance through a CNote promissory note rather than a public bond fund. The current product markets a potential 4.00% annual return and a 30-month term, with a separate quarterly withdrawal-request mechanism.

Not a fit if: Not a fit if you want exchange liquidity, direct ownership of the underlying community loans or a guaranteed quarterly redemption right.