CNote

CNote is a women-led certified B-Corporation that facilitates institutional investments in underserved communities at scale. The company offers impactful deposit programs that create jobs, fund BIPOC-owned small businesses, and support affordable housing development. CNote partners with federally-certified community lenders who have decades of experience investing locally, ensuring that capital is effectively deployed to help underserved communities nationwide. Since its inception, CNote has created or maintained over 4,000 jobs and directed over 50% of its capital into BIPOC-led small businesses and over 40% into women-led small businesses, significantly exceeding the national average. Notably, CNote has reported zero losses on its investments. The company provides rich impact data and stories to share with stakeholders, enhancing transparency and accountability. CNote offers several investment solutions, including Impact Cash, Flagship Fund, and Wisdom Fund. Impact Cash deposits are insured by the FDIC or NCUA, while the Flagship Fund generates a 4.00% return by directing funds to community development organizations. The Wisdom Fund focuses on increasing capital access and small business lending for women entrepreneurs of color. CNote’s network of partners covers all 50 states, allowing for targeted geographic investments and customized impact investment offerings tailored to specific goals and objectives. The company offers 26 unique thematic investing targets, such as Climate Change, Affordable Housing, and Racial Equity. To date, CNote has enabled corporations, foundations, and individuals to deploy over $100 million in investments and deposits into financially underserved communities. Recognized as a Certified B Corporation, CNote has earned “Best for the World” honors from B Lab and was named “Best Women-Owned Business” by the United Nations’ Women’s Empowerment Principles program. CNote tracks the on-the-ground impact of its community investments through quarterly quantitative impact reports and provides marketing and impact evaluation support to help financial institutions tell their impact stories. Additionally, CNote offers a no-fee Impact Cash program for financial institutions.