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Cash Flow Asset Bonds

A connection beyond the numbers

Help local communities take their next step.

A business owner may need equipment to take on more work or inventory to fill an order. Access to financing can help turn those plans into action. Cash Flow Bonds pools investor capital for real estate and select business lending, with the goal of supporting local communities.

Financing the next step.

The issuer chooses investments for the pooled portfolio. Your investment is not earmarked for your town, a specific small business or a particular property.

The examples below illustrate financing needs, not verified CFB-funded projects or promised outcomes.

Equipment for the work ahead

A business may finance equipment to support its operations.

Inventory for the next order

Financing can help a business purchase inventory before customer payments arrive.

Real estate for everyday life

Real estate financing may support homes or places where businesses operate.

Follow the lending model

What happens to your money?

Your bond is a loan to the issuer, not an ownership share in a particular property or business. Here is how the general lending model connects the pieces.

1 · You

Start with $10*

You purchase unsecured Cash Flow Bonds issued by PIC Diversification Fund, LLC.

2 · The issuer

Capital comes together

Your investment joins capital from other investors.

3 · Lending

Real estate and business financing

The issuer deploys capital into real estate and select business lending.

4 · Borrower repayments return to the issuer

Borrowers are obligated to repay principal and interest. Repayment is not guaranteed.

5 · Your bond accrues interest under its terms

The rate is 7.0% annual interest, compounded daily. This is the issuer’s obligation, not a direct payment from an individual borrower.

This shows the general lending model, not a particular loan or a payment schedule. Interest does not begin only when a borrower repays. Your bonds are unsecured obligations of the issuer, and payments are not guaranteed.

Terms and risks

Your goals are part of this story, too

What are you building toward?

Whether you’re planning a trip, setting money aside for education or thinking about retirement, investing starts with something that matters to you. Explore the possibilities below as you consider your own goals.

A trip to remember

Explore a new place. Make time for the people who matter.

Plan a trip

A 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.

Your next set of keys

Plan ahead for a vehicle that fits your next chapter.

More time for you

Give your long-term goals a little more room to grow.

Something meaningful

A celebration. A passion project. A goal that is yours.

Terms and risks

Your next chapter starts small

Make room for what matters.

Open to everyday investors. Start with just $10*.

Start earning 7.0%

Terms and risks

I like looking beyond the balance. Your investment helps fund real estate and small businesses in our communities.

Small beginnings.
Meaningful possibilities.

© 2026 Cash Flow Bonds. Securities issued by PIC Diversification Fund, LLC.

Important investment information

Offering documents. Securities are offered by PIC Diversification Fund, LLC pursuant to Regulation A under the Securities Act of 1933, as amended. Review the offering circular included in the qualified offering statement and any applicable supplements, including the risk factors, terms and eligibility requirements, before investing. Read the offering circular.

No SEC endorsement. The SEC does not pass upon the merits of or give its approval to the securities or the terms of the offering, nor does it pass upon the accuracy or completeness of any offering circular or other solicitation materials. The securities are offered pursuant to an exemption from registration with the SEC; however, the SEC has not made an independent determination that the securities are exempt from registration. Qualification is not approval or a guarantee of the investment.

Investment risks and costs. Cash Flow Bonds are unsecured promissory notes issued by PIC Diversification Fund, LLC. They are not bank deposits, are not FDIC-insured and are not guaranteed by the U.S. government. Investing involves risk, including possible loss of all principal. Collateral supporting an underlying loan does not secure your bonds. There is no public trading market for the bonds. A fixed interest rate does not guarantee repayment. Eligibility and applicable investment limits apply.

* Investor processing fee. A 1% investor processing fee applies in addition to the amount invested ($10.10 total for a $10 investment).

Access to funds. The terms provide no lockup or redemption penalty. Repayment is normally due within 30 days following a valid written demand, subject to the offering terms and available funds; delays and losses are possible. Complete, valid requests are processed in the order received as liquidity becomes available. Payments can take longer than 30 days. This is not immediate or guaranteed access to money. Read the offering circular for the complete redemption procedures, limitations and risks. Daily compounding does not mean interest is paid to your bank account every day.

Illustrations and calculator. Life goals are examples, not promised outcomes or recommendations. The calculator illustrates one starting investment, with optional additional investments and no withdrawals, using 7.0% annual interest divided by 365 and compounded over illustrated invested days. Additional investments are assumed at the end of each selected period: monthly after the first month and every month thereafter, quarterly after the first three months and every three months thereafter, or yearly after the first twelve months and every twelve months thereafter. An addition at the selected endpoint is included in the illustrated balance and total invested but has not yet earned interest. Month selections use 365 days divided by 12 per month, rounded to the nearest whole day; 12 months equals 365 invested days. Calendar dates may produce different day counts. The same illustrative interest rate is applied to future additions; this is not a promise that future investments will be available or offered on the same terms. Displayed balances and gross interest exclude the 1% processing fee and taxes and assume all interest is paid and retained. Gross interest excludes both the starting investment and all additional invested principal. The fee earns no interest and is paid in addition to the principal; the calculator excludes any repayment waiting period. For example, a one-time investment of $1,000 of principal requires an initial payment of $1,010 and illustrates a $1,072.50 balance after 365 invested days, a $62.50 gain after the processing fee and before taxes. This calculator does not schedule payments or set up automatic investing. This is an illustration, not a prediction or guarantee. Actual dates and outcomes may differ.

Age and goal-planning illustrations. Ages are approximate labels based on a whole age entered by the visitor, not exact birthdays or investor eligibility checks. Age labels do not change the interest calculation. The travel planner uses visitor-entered costs and a zero-return savings baseline. It does not provide live travel quotes, book travel, schedule payments or recommend an investment for a fixed-date expense. Do not assume bond redemption proceeds will be available for a trip date. These calculator inputs are not intentionally stored or submitted by the calculator.

Website information and forward-looking statements. Website content is general information, not individualized investment, legal or tax advice. Statements about plans, anticipated outcomes and community impact reflect expectations and assumptions, not guarantees; actual results may differ materially. Website summaries do not replace the applicable offering documents. Nothing here waives rights under applicable securities laws.

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