Big possibilities. Small beginnings.
Earn 7.0%
fixed annual interest.
Compounded daily.
Cash Flow Bonds gives everyday investors a way to help fund real estate and small businesses, starting with $10*. Explore how the bonds work and decide whether they fit your plans.
Make the numbers yours
See what more time could add.
Explore the math of 7.0% annual interest, compounded daily.
Your starting point
Adds $100 each month, or $1,200 in additional investments per year.
Illustrated at each month-end; the first addition is after 1 month.
This calculator does not schedule payments or set up automatic investing.
7.0% fixed annual interestCompounded daily
≈7.25% effective annual yieldIncludes daily compounding, before fees and taxes
After 1 year
$10.73Illustrated balance
- Starting investment
- $10.00
- Additional investments
- $0.00
- Illustrated gross interest
- $0.73
At 1 year: $0.73 illustrated interest.
Gross interest only; starting and additional investments are not plotted. The dollar scale adjusts when you change investment amounts or the contribution schedule, not when you change the months or age.
Before fees and taxes. Assumes all interest is paid and retained; not a guarantee.
Move the slider to explore what more time could add.
Your investment. Three timeframes.
Compare the same starting investment held for different lengths of time, with no additional deposits.
1 year
$0.73Illustrated gross interest$10.00 total invested$10.73 illustrated balance
5 years
$4.19Illustrated gross interest$10.00 total invested$14.19 illustrated balance
10 years
$10.14Illustrated gross interest$10.00 total invested$20.14 illustrated balance
Before fees and taxes. Assumes all interest is paid and retained; not a guarantee.
View monthly values
| Month | Approximate age | Starting investment | Cumulative additions | Total invested | Gross interest | Balance |
|---|---|---|---|---|---|---|
| 0 | $10.00 | $0.00 | $10.00 | $0.00 | $10.00 | |
| 1 | $10.00 | $0.00 | $10.00 | $0.06 | $10.06 | |
| 2 | $10.00 | $0.00 | $10.00 | $0.12 | $10.12 | |
| 3 | $10.00 | $0.00 | $10.00 | $0.18 | $10.18 | |
| 4 | $10.00 | $0.00 | $10.00 | $0.24 | $10.24 | |
| 5 | $10.00 | $0.00 | $10.00 | $0.30 | $10.30 | |
| 6 | $10.00 | $0.00 | $10.00 | $0.36 | $10.36 | |
| 7 | $10.00 | $0.00 | $10.00 | $0.42 | $10.42 | |
| 8 | $10.00 | $0.00 | $10.00 | $0.48 | $10.48 | |
| 9 | $10.00 | $0.00 | $10.00 | $0.54 | $10.54 | |
| 10 | $10.00 | $0.00 | $10.00 | $0.60 | $10.60 | |
| 11 | $10.00 | $0.00 | $10.00 | $0.66 | $10.66 | |
| 12 | $10.00 | $0.00 | $10.00 | $0.73 | $10.73 | |
| 13 | $10.00 | $0.00 | $10.00 | $0.79 | $10.79 | |
| 14 | $10.00 | $0.00 | $10.00 | $0.85 | $10.85 | |
| 15 | $10.00 | $0.00 | $10.00 | $0.91 | $10.91 | |
| 16 | $10.00 | $0.00 | $10.00 | $0.98 | $10.98 | |
| 17 | $10.00 | $0.00 | $10.00 | $1.04 | $11.04 | |
| 18 | $10.00 | $0.00 | $10.00 | $1.11 | $11.11 | |
| 19 | $10.00 | $0.00 | $10.00 | $1.17 | $11.17 | |
| 20 | $10.00 | $0.00 | $10.00 | $1.24 | $11.24 | |
| 21 | $10.00 | $0.00 | $10.00 | $1.30 | $11.30 | |
| 22 | $10.00 | $0.00 | $10.00 | $1.37 | $11.37 | |
| 23 | $10.00 | $0.00 | $10.00 | $1.44 | $11.44 | |
| 24 | $10.00 | $0.00 | $10.00 | $1.50 | $11.50 | |
| 25 | $10.00 | $0.00 | $10.00 | $1.57 | $11.57 | |
| 26 | $10.00 | $0.00 | $10.00 | $1.64 | $11.64 | |
| 27 | $10.00 | $0.00 | $10.00 | $1.71 | $11.71 | |
| 28 | $10.00 | $0.00 | $10.00 | $1.77 | $11.77 | |
| 29 | $10.00 | $0.00 | $10.00 | $1.84 | $11.84 | |
| 30 | $10.00 | $0.00 | $10.00 | $1.91 | $11.91 | |
| 31 | $10.00 | $0.00 | $10.00 | $1.98 | $11.98 | |
| 32 | $10.00 | $0.00 | $10.00 | $2.05 | $12.05 | |
| 33 | $10.00 | $0.00 | $10.00 | $2.12 | $12.12 | |
| 34 | $10.00 | $0.00 | $10.00 | $2.19 | $12.19 | |
| 35 | $10.00 | $0.00 | $10.00 | $2.27 | $12.27 | |
| 36 | $10.00 | $0.00 | $10.00 | $2.34 | $12.34 | |
| 37 | $10.00 | $0.00 | $10.00 | $2.41 | $12.41 | |
| 38 | $10.00 | $0.00 | $10.00 | $2.48 | $12.48 | |
| 39 | $10.00 | $0.00 | $10.00 | $2.55 | $12.55 | |
| 40 | $10.00 | $0.00 | $10.00 | $2.63 | $12.63 | |
| 41 | $10.00 | $0.00 | $10.00 | $2.70 | $12.70 | |
| 42 | $10.00 | $0.00 | $10.00 | $2.78 | $12.78 | |
| 43 | $10.00 | $0.00 | $10.00 | $2.85 | $12.85 | |
| 44 | $10.00 | $0.00 | $10.00 | $2.92 | $12.92 | |
| 45 | $10.00 | $0.00 | $10.00 | $3.00 | $13.00 | |
| 46 | $10.00 | $0.00 | $10.00 | $3.08 | $13.08 | |
| 47 | $10.00 | $0.00 | $10.00 | $3.16 | $13.16 | |
| 48 | $10.00 | $0.00 | $10.00 | $3.23 | $13.23 | |
| 49 | $10.00 | $0.00 | $10.00 | $3.31 | $13.31 | |
| 50 | $10.00 | $0.00 | $10.00 | $3.39 | $13.39 | |
| 51 | $10.00 | $0.00 | $10.00 | $3.46 | $13.46 | |
| 52 | $10.00 | $0.00 | $10.00 | $3.54 | $13.54 | |
| 53 | $10.00 | $0.00 | $10.00 | $3.62 | $13.62 | |
| 54 | $10.00 | $0.00 | $10.00 | $3.70 | $13.70 | |
| 55 | $10.00 | $0.00 | $10.00 | $3.78 | $13.78 | |
| 56 | $10.00 | $0.00 | $10.00 | $3.86 | $13.86 | |
| 57 | $10.00 | $0.00 | $10.00 | $3.94 | $13.94 | |
| 58 | $10.00 | $0.00 | $10.00 | $4.03 | $14.03 | |
| 59 | $10.00 | $0.00 | $10.00 | $4.11 | $14.11 | |
| 60 | $10.00 | $0.00 | $10.00 | $4.19 | $14.19 | |
| 61 | $10.00 | $0.00 | $10.00 | $4.27 | $14.27 | |
| 62 | $10.00 | $0.00 | $10.00 | $4.36 | $14.36 | |
| 63 | $10.00 | $0.00 | $10.00 | $4.44 | $14.44 | |
| 64 | $10.00 | $0.00 | $10.00 | $4.53 | $14.53 | |
| 65 | $10.00 | $0.00 | $10.00 | $4.61 | $14.61 | |
| 66 | $10.00 | $0.00 | $10.00 | $4.70 | $14.70 | |
| 67 | $10.00 | $0.00 | $10.00 | $4.78 | $14.78 | |
| 68 | $10.00 | $0.00 | $10.00 | $4.87 | $14.87 | |
| 69 | $10.00 | $0.00 | $10.00 | $4.96 | $14.96 | |
| 70 | $10.00 | $0.00 | $10.00 | $5.04 | $15.04 | |
| 71 | $10.00 | $0.00 | $10.00 | $5.13 | $15.13 | |
| 72 | $10.00 | $0.00 | $10.00 | $5.22 | $15.22 | |
| 73 | $10.00 | $0.00 | $10.00 | $5.31 | $15.31 | |
| 74 | $10.00 | $0.00 | $10.00 | $5.40 | $15.40 | |
| 75 | $10.00 | $0.00 | $10.00 | $5.49 | $15.49 | |
| 76 | $10.00 | $0.00 | $10.00 | $5.58 | $15.58 | |
| 77 | $10.00 | $0.00 | $10.00 | $5.67 | $15.67 | |
| 78 | $10.00 | $0.00 | $10.00 | $5.76 | $15.76 | |
| 79 | $10.00 | $0.00 | $10.00 | $5.85 | $15.85 | |
| 80 | $10.00 | $0.00 | $10.00 | $5.94 | $15.94 | |
| 81 | $10.00 | $0.00 | $10.00 | $6.04 | $16.04 | |
| 82 | $10.00 | $0.00 | $10.00 | $6.13 | $16.13 | |
| 83 | $10.00 | $0.00 | $10.00 | $6.23 | $16.23 | |
| 84 | $10.00 | $0.00 | $10.00 | $6.32 | $16.32 | |
| 85 | $10.00 | $0.00 | $10.00 | $6.42 | $16.42 | |
| 86 | $10.00 | $0.00 | $10.00 | $6.51 | $16.51 | |
| 87 | $10.00 | $0.00 | $10.00 | $6.61 | $16.61 | |
| 88 | $10.00 | $0.00 | $10.00 | $6.71 | $16.71 | |
| 89 | $10.00 | $0.00 | $10.00 | $6.81 | $16.81 | |
| 90 | $10.00 | $0.00 | $10.00 | $6.91 | $16.91 | |
| 91 | $10.00 | $0.00 | $10.00 | $7.00 | $17.00 | |
| 92 | $10.00 | $0.00 | $10.00 | $7.10 | $17.10 | |
| 93 | $10.00 | $0.00 | $10.00 | $7.20 | $17.20 | |
| 94 | $10.00 | $0.00 | $10.00 | $7.30 | $17.30 | |
| 95 | $10.00 | $0.00 | $10.00 | $7.41 | $17.41 | |
| 96 | $10.00 | $0.00 | $10.00 | $7.51 | $17.51 | |
| 97 | $10.00 | $0.00 | $10.00 | $7.61 | $17.61 | |
| 98 | $10.00 | $0.00 | $10.00 | $7.71 | $17.71 | |
| 99 | $10.00 | $0.00 | $10.00 | $7.81 | $17.81 | |
| 100 | $10.00 | $0.00 | $10.00 | $7.92 | $17.92 | |
| 101 | $10.00 | $0.00 | $10.00 | $8.02 | $18.02 | |
| 102 | $10.00 | $0.00 | $10.00 | $8.13 | $18.13 | |
| 103 | $10.00 | $0.00 | $10.00 | $8.24 | $18.24 | |
| 104 | $10.00 | $0.00 | $10.00 | $8.34 | $18.34 | |
| 105 | $10.00 | $0.00 | $10.00 | $8.45 | $18.45 | |
| 106 | $10.00 | $0.00 | $10.00 | $8.56 | $18.56 | |
| 107 | $10.00 | $0.00 | $10.00 | $8.67 | $18.67 | |
| 108 | $10.00 | $0.00 | $10.00 | $8.77 | $18.77 | |
| 109 | $10.00 | $0.00 | $10.00 | $8.88 | $18.88 | |
| 110 | $10.00 | $0.00 | $10.00 | $9.00 | $19.00 | |
| 111 | $10.00 | $0.00 | $10.00 | $9.11 | $19.11 | |
| 112 | $10.00 | $0.00 | $10.00 | $9.22 | $19.22 | |
| 113 | $10.00 | $0.00 | $10.00 | $9.33 | $19.33 | |
| 114 | $10.00 | $0.00 | $10.00 | $9.45 | $19.45 | |
| 115 | $10.00 | $0.00 | $10.00 | $9.56 | $19.56 | |
| 116 | $10.00 | $0.00 | $10.00 | $9.67 | $19.67 | |
| 117 | $10.00 | $0.00 | $10.00 | $9.79 | $19.79 | |
| 118 | $10.00 | $0.00 | $10.00 | $9.90 | $19.90 | |
| 119 | $10.00 | $0.00 | $10.00 | $10.02 | $20.02 | |
| 120 | $10.00 | $0.00 | $10.00 | $10.14 | $20.14 |
How it works
Put your money in motion.
You choose where to begin. I’ll walk you through how your investment becomes part of the lending that supports real estate and small businesses.
Start with $10*
Choose your investment amount and complete your application.
Put your money to work
Your capital is pooled with other like-minded investors to help local communities grow.
Let interest build
Earn 7.0% annual interest, compounded daily.
Earn more. Help local communities across the US grow. Your investment helps fund real estate and small businesses through loans that are generally backed by tangible assets.
Terms and risksReal life. Real goals.
What are you building toward?
A trip to remember
Explore a new place. Make time for the people who matter.
Plan a tripA new chapter
Work toward education, a new skill, or a career change.
A place of your own
Build toward a future home and the life you imagine there.
People behind the purpose
A team you can get to know.
Danny Randazzo
Managing Partner, Financial Operations
Kelli Garrett
Managing Partner, Loan Operations
Dan Handford
Managing Partner, Communications Lead
A little knowledge goes a long way
Get comfortable with the basics.
What Is a Bond?
A bond starts with a simple idea: you lend money to an issuer, and the issuer promises to repay you with interest.
ExploreHow Daily Compounding Works
When interest stays invested, it can earn interest of its own. Small additions can build on each other over time.
ExploreCash Flow Bonds vs. High-Yield Savings Accounts
Both involve earning interest, but a savings deposit and a company bond offer different protections and access to money.
ExploreYour next chapter starts small
Make room for what matters.
Open to everyday investors. Start with just $10*.
I like looking beyond the balance. Your investment helps fund real estate and small businesses in our communities.