Everyone should be able to invest, regardless of their income. We've removed the traditional barriers to investing that we believe make growing your nest egg easier and accessible to everyone.
We believe you have better things to do than pay fees to access YOUR money. That's right- no purchase or withdrawal fees, no transfer fees, or penalties of any kind. You can withdraw your funds when you want them.
Proceeds from your purchase of Worthy's 5% fixed interest bonds are used to help fuel American businesses, imagine that -- putting your money to work while supporting your fellow humans.
At last, even the smallest investors can benefit from investments usually reserved for larger, institutional, and wealthy investors.
We created and sell SEC qualified bonds that help fuel American businesses. Proceeds from bonds sales are primarily loaned to growing companies who offer collateral such as inventory and accounts receivables to secure the funds. Since the money from the sale of our Worthy bonds helps fund the loans, you, as a bond holder, get to indirectly share in the interest generated!
We use bond proceeds to make loans and investments to help growing companies succeed and offer consistent returns to our bond holders. We invest bond sale proceeds into secured, asset-backed small business loans and into other public and private investments, including real estate.
Invest for your own future. This is the most common account type for our community members.
Choose this option to use an existing trust fund as the legal entity to purchase bonds.
Choose this option if you would like to open an account using a non-profit organization as the legal entity to purchase bonds.
Invest using funds from an existing Individual Retirement Account and benefit from IRA tax advantages!
Select this option if you would like to open an account using a business as the legal entity to purchase bonds.
Securities and Exchange Commission (SEC) qualified, 36-month, 5% interest-bearing obligations of the issuer (Worthy Peer Capital, Inc., Worthy Peer Capital II, Inc., Worthy Community Bonds, etc.).
Unlimited for accredited investors ($50,000 limit on online purchases) and up to 10% of an individual’s annual income or net worth for non-accredited investors.
Yes, the Bonds can be purchased by accredited and non-accredited U.S. investors. You must be over 18 to buy bonds.
You can take out your money at any time, including the interest with no penalties or fees at all. Just click on the "Withdrawal" button on our app and that's it.
Bonds can be cashed out at any time without penalty.* After all, we’re trying to help you grow your money, not take it!
Worthy Bonds are not correlated to the stock market. As a private, non-publicly traded bond our security is not tied to market volatility.
Interest compounds at a 5% annual rate as soon as you've reached at least a penny in earned interest.
Visit our dedicated page of frequently asked questions.
Get started today and invest as low as $10