Promissory Notes

Reinvestment Fund is among a handful of CDFIs with a notes program that supports the triple bottom line. Our investors earn a modest financial return while supporting socially and environmentally responsible development projects that benefit low-income communities. Promissory Notes start at $1,000 and can go up to $5 million.

Rates and terms

3.25% with a three to four year term
4.25% with a five to six year term
4.25% with a seven to nine year term
4.50% with a ten to fourteen year term
4.75% with a fifteen year term

Since 1985, our Promissory Notes program has maintained a 100% repayment rate – plus interest – to our community of investors, and has made over $2 billion in loans to community businesses. Our average investor tenure is 7 years.

We take great care to maintain reserves to protect investors’ money. Investments in our loan fund are not insured by the government, nor are they tax-deductible charitable gifts.

Download a copy of our Prospectus