With Worthy Bonds being fee and penalty free, with no costs associated and a generous 5% yearly interest, you might be wondering if this is too good to be true, and how Worthy Financial makes money.

That's a fair question! We believe in transparency and we're building a sustainable business that will enable us to offer the same (or better!) 5% interest in the future.

Proceeds from the sale of Worthy Bonds are used entirely to fund inventory (or asset) backed loans to small U.S. businesses. These loans use inventory as collateral, and the loan amount is around 2/3 of the total value of collateral assets. This makes them significantly safer than other forms of personal or business loans.

These loans have a greater interest rate than the 5% we return directly to users. We fund our operations using the difference between the loan interest and 5%, which allows us to sustainably function while keeping returns consistent for our Worthies. As a bonus, we help local small businesses thrive and grow.

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