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Cash Flow Asset Bonds

Questions welcome

Let’s make
things clear.

Before deciding whether to invest, you may want to know how interest works, when you can request repayment and what risks to consider. These answers explain the basics and point you to the full offering details.

What am I investing in?

Cash Flow Bonds are unsecured promissory notes issued by PIC Diversification Fund, LLC. You lend to the issuer; you do not directly own a particular loan, property, or small business.

How much do I need to start?

The minimum investment is $10*.

What is the interest rate?

The stated annual interest rate is 7.0%, compounded daily. With a 365-day calculation, that is approximately 7.25% growth over 365 invested days before fees and taxes. This is different from a 7.0% APY.

Does compounding mean daily payments?

No. Daily compounding means interest accrues on the invested balance and previously accrued interest. It does not mean cash is sent to your bank every day.

When will I receive my interest?

Principal and accrued interest are paid at maturity following your valid written repayment demand. Interest compounds daily while it accrues. Under the filed bond form, interest is calculated up to, but not including, the date the company receives your repayment notice and stops accruing on that date. Payment is due within 30 days, subject to the offering terms and repayment risks; payment may be delayed. Daily compounding does not mean daily payments to your bank account. Review the offering circular and bond agreement for the complete terms.

Why is there a 1% processing fee?

The fee helps offset the payment processing fees we are charged and our ongoing software licensing expenses. It is paid in addition to the amount you invest. For example, a $10 investment requires a total payment of $10.10: $10 is invested and $0.10 covers the processing fee. The fee itself does not earn interest.

What happens if many investors request redemption at the same time?

If complete, valid redemption requests exceed the funds available, they remain in a first-in, first-out queue. As liquidity becomes available, redemptions are processed in the order requests were received. Payment can take longer than the normal 30-day timeframe. Redemptions remain subject to the offering terms, and payment is not guaranteed.

How do I redeem my bonds for cash?

Submit a written repayment demand in accordance with the notice provisions of your Bond Purchase Agreement. Contact our team if you need help locating the instructions for your bonds. Complete, valid demands are processed in the order received when aggregate demands exceed available funds. Payment is due within 30 days under the bond terms, but limited liquidity can cause delays beyond that period. Payment is not guaranteed. An online redemption form is not currently available. The filed bond form provides for a demand for the full unpaid principal and accrued interest; contact the team before requesting a partial repayment.

Is Cash Flow Bonds a savings account?

No. Cash Flow Bonds are unsecured promissory notes, not bank deposits or FDIC-insured savings accounts. A higher stated interest rate does not guarantee a higher realized return. You can lose principal, and redemption can take longer than 30 days if funds are unavailable. Compare Cash Flow Bonds with high-yield savings accounts.

Can I request my money back?

The terms provide no lockup and no redemption penalty. Repayment is normally due within 30 days after a valid written demand, subject to the offering terms and available funds. Requests can be delayed; repayment is not guaranteed.

Who can invest?

Everyday investors can participate, subject to eligibility, identity verification, and applicable investment limits. You do not need accredited-investor status to apply. The application and offering circular explain the rules that apply to you.

Are the bonds insured or secured?

No. The bonds are unsecured and are not bank deposits or FDIC-insured. Some underlying loans may have collateral, but bondholders do not have a direct security interest in that collateral. You can lose some or all of your investment.

What does the company do with the capital?

The issuer invests primarily in real estate-related assets and may also make select asset-based commercial loans. This can help finance homes, places of business, inventory, equipment, and receivables. Details are available in our educational article and offering circular.

What does SEC qualification mean?

Qualification permits sales under the qualified offering statement. It is not SEC approval of the investment, its merits, or its safety. Review the offering circular for the complete terms and risks.

Where can I get help?

Contact our team. The investor portal is operated through DealMaker. Review the offering circular for complete terms, risks, eligibility, and repayment procedures.

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.

Website terms and privacy. Review our Terms of Service and Privacy Policy. Contact and onboarding services have separate privacy notices and consent controls; viewing this page does not by itself provide marketing consent.

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