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

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

Proceeds from the sale of Worthy Bonds are used in part to fund inventory (or asset) backed loans to growing U.S. businesses, with an additional percentage directed to a variety of investments (such a real estate, Treasuries and CDs) to ensure we have a diversified portfolio. The loans we make use either commercial receivables or inventory as collateral, and we loan at a discount to the total value of the collateral against which we are lending.

The loans we make have a greater interest rate than the 5% we return to our Worthy bondholders. We fund our operations using the difference between the loan interest we generate and the 5% we pay our community members, which allows us to operate while keeping returns consistent for our Worthies. As a bonus, we help small businesses thrive and grow!

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