CNote helps institutions invest capital into underserved communities at scale. CNote's deposit programs create jobs, fund BIPOC-owned small businesses and support affordable housing.

CNote

Invest In Women

CNote gives corporations, institutions and individuals a simple, effective way to invest in under-resourced communities at scale. The women-led technology platform deploys corporate cash into loan funds and insured deposit products at impact-driven community financial institutions that advance economic equality, racial justice, gender equity and climate change initiatives.

Corporate leaders including Apple, Mastercard, Patagonia, PayPal and Netflix use CNote’s platform to advance their diversity, equity and inclusion goals by authentically supporting low-income communities and communities of color. They earn returns comparable to what conventional products yield—while providing essential capital to minority depository institutions (MDIs), community development financial institutions (CDFIs), low-income designated (LID) credit unions and other impact finance organizations. Individuals can also invest through the platform to support an economy that works for everyone.

CNote founders Catherine Berman, CEO, and Yuliya Tarasava, COO, launched CNote in 2016 with a mission to close the wealth gap through financial innovation. Based in Oakland, California, CNote is a Certified B Corporation and is GIIRS rated.

37 Angels

Astia Angels

Rebalance Capital

Hatzimemos / Libby

The Artemis Fund

Lateral Frontiers

ManchesterStory Group

SixThirty

ONE WORLD Impact Investments LLC

American Family Insurance Institute for Corporate and Social Impact

Astia

BankTech Ventures

BLD Brands

CityRock Venture Partners

Commerce Ventures

Golden Seeds

In today’s rapidly changing financial landscape, the phrase “we mean now” has taken on new significance. The demand for next-day liquidity is no longer a niche requirement but has become the common currency for corporate treasurers and financial managers. This shift is driven by market uncertainty, economic volatility, and the need for businesses to maintain flexibility and resilience.

#corporatetreasurers #finance #fintech #liquidity #volatility #markets #economy #corporations

Climate Cash™ is a deposit solution – enabling organizations to enjoy 100% FDIC/NCUA insurance, competitive interest rates, and to contribute to carbon-reduction lending activities. Sign Up For Climate Cash™ today! Key Features of Climate Cash™:

🌎 Blended APY*: Enjoy competitive returns with a blended Annual Percentage Yield (APY).
🌏 Combat Climate Change with Your Deposits: Your funds back meaningful, traceable initiatives like affordable solar power in low-income areas and energy-efficient appliances/building enhancements.
🌍 100% FDIC/NCUA Insurance Coverage: Ensuring your deposits are safe and secure.
🌎 Deposit Up to $50M in Climate-Friendly Insured Deposits: Tailored for significant deposits, making a substantial impact.

*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 does not negotiate interest rates. Impact Cash is not a security or investment. Impact Cash® and Climate Cash™ deposits are insured by the FDIC or NCUA, subject to the terms and conditions of the Impact Cash® agreements. We encourage you to consult with a financial adviser or investment professional to determine whether or not the CNote platform makes sense for you. This information should not be relied upon as research, investment or financial advice. This material is strictly for illustrative, educational, or informational purposes and is subject to change. Any projected returns are illustrative, based on interest rates offered currently or in the past, which may be subject to change at any time, and may not reflect the ultimate rate of return. Past performance is no guarantee of future results, and future returns may vary.

From a personal standpoint, I love when NeuGroup is able to have a wonderful member host us in NYC. This time, a huge thank you to Cognizant for hosting at the Hudson Yards offices for the Cash Investments H2 2024 Meeting on September 25th to 26th. 

In partnership with CNote, R. Seelaus & Co., Inc., and Institutional Cash Distributors (ICD).

During an absolutely historic moment for interest rates decisions and major macro-pressures. NeuGroup members will share and learn on various strategies deployed, as well as work with our sponsor-partners on deploying cash with liquidity in mind. 

Building on last year's NYC meeting at BlackRock, the theme for H2 2024, looks to be "Capital preservation. Capital preservation. And finally, capital preservation." https://lnkd.in/e93e5wsQ

In the final video of our series with Jeffrey Whitford, Vice President of Sustainability & Social Business Innovation at MilliporeSigma, the Life Science business of Merck KGaA, Darmstadt, Germany, Jeffrey shares one myth about using deposits for good that he believes is important to address:

#sustainability #finance #impact #impactinvesting #impactinvestor #FDIC #NCUA

Become an impact investor today! Invest with your values in the CNote Flagship Fund. 100% of your dollars are deployed into federally certified community development financial institutions (CDFIs) that have decades of experience providing critical lending and financial services to under-served communities across the USA. With Flagship Fund:

✅ 4% APY* 
✅ Open to Accredited and Non-Accredited Investors
✅ 30-Month Term With Flexible Quarterly Liquidity

#impactinvesting #investor #investing #funds #sustainableinvesting #impactfund #sustainablefund

*Returns are not guaranteed. CNote Group, Inc. (“CNote”) 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) nor a broker-dealer authorized by the Financial Industry Regulatory Authority (FINRA). CNote is not a legal, financial, accounting or tax advisor. CNote offers securities consisting of various promissory notes (“Notes”) to eligible accredited investors pursuant to Regulation D under the Securities Act of 1933, as amended (“The Act”) and to eligible unaccredited investors pursuant to Regulation A of The Act. Neither the SEC nor any state securities regulator has passed upon or endorsed the merits of any investment in CNote’s offerings. Information provided herein is for educational purposes only and is not tailored for any individual investor or client. It should not be relied upon as financial or investment advice. This advertisement does not constitute an offer to sell, or a solicitation to buy. Returns are not guaranteed. All investing has risks. Before making an investment, the recipient is advised to consult with its financial, legal and/or tax advisor(s) to determine whether an investment such as this is suitable for it. Interest rates are for illustrative purposes, and are subject to change.

The Just Economy Institute Community is strong. Today, I had the pleasure of collaborating with Ken Tsunoda and David Kenney to host a panel where we explored how everyday impact investors can leverage their banking relationships to drive social change. The conversation centered around one powerful idea: how we can use the power of our cash to unlock the social impact we care about.

Grateful for our esteemed panelists: Melissa Widen and First Women's Bank, Catherine Berman and CNote and Keisha B. and Self-Help Credit Union. Thank you for sharing your wisdom.


#ImpactInvesting #ValuesDrivenFinance #SocialChange #BankingOnImpact

In the next video of our series with Jeffrey Whitford, Vice President of Sustainability & Social Business Innovation at MilliporeSigma, the Life Science business of Merck KGaA, Darmstadt, Germany, Jeffrey shares what they found to be most appealing about CNote's Impact Cash® product offering: ✅100% FDIC/NCUA insured ✅Offering both yield & liquidity

#sustainability #finance #impact #impactinvesting #FDIC #NCUA

In the 2nd video of our series with Jeffrey Whitford, Vice President of Sustainability & Social Business Innovation at MilliporeSigma, the Life Science business of Merck KGaA, Darmstadt, Germany, Jeffrey shares his positive experience of what it is like to work with CNote on a day to day basis! 

#sustainability #finance #impact #impactinvesting #FDIC #NCUA

Tremendous appreciation to Jeffrey Whitford and MilliporeSigma for your leadership and for exemplifying what corporations can do to drive forward meaningful, measurable positive impact.

If only 25 large corporations moved less than 1% of their average cash holdings into community banks and credit unions, it would support an estimated ONE MILLION individuals who are struggling right now.

That includes supporting families struggling to find a place to live, entrepreneurs trying to launch their small business dreams, and Communities of Color disproportionately affected by climate change.

Make no mistake, deposits are a powerful tool. 

If you’re curious how corporations are using their deposits to invest in the causes and communities their employees and customers care about, take a moment to read Sustainability Leader, Jeffrey Whitford's post below. It’s more straightforward than you might think, and more impactful than you might know.

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