A Different Profit-driver

Impact Capital Funds does not profit from the interest rate charged for its loans. In fact, we pay out more to our investors than we charge on our loan portfolio. We effectively pass through all loan interest to our investors. Instead, we are organized fundamentally as an investment management company that profits primarily from the 1.25% advisory fee we charge on total assets under management. Therefore, our incentive is to rapidly grow our AUM by offering a compelling, low-interest rate on our refinance loans, and to promote our unique mission to disrupt student loan rates, while generating potential college scholarships through investment performance.