Invest in the Power of Education

We earn a competitive annual income for our investors by refinancing student loans held by working professionals who graduated from top universities while generating scholarships through our ‘Booster Portfolio’ strategy.


  • Mission-driven institutional investors can earn a targeted 4% return annually with potential upside
  • Investing in refinancing high-cost student debt held by creditworthy university graduates
  • Increasing investor return through ‘Booster Strategy’ by investing in the Enhanced Income and Dividend Portfolio (EDIP) sub-managed by Capital Wealth Planning
  • Generating potential tuition scholarships for students with financial need

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  • Multi-asset investment vehicle designed to generate a targeted 4% return with potential upside

  • Impacting the lives of creditworthy young professionals by refinancing their expensive student debt
  • Diversifying your investment and boosting returns by investing in the Enhanced Income and Dividend Portfolio (EDIP) sub-managed by Capital Wealth Planning
  • Creating a positive chain reaction by breaking the cycle of poverty by generating scholarships for low-income students

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Investor Deal Room

1How do I open an investment account with Impact Capital Funds (ICF)?
For an investor or institution to invest with Impact Capital Funds, the investor/institution must first prove their accredited status. This can be done by providing a certification letter from a CPA, a lawyer or licensed investment advisor. To open an account, the prospective investors will need to sign up via the ICF's Investor Portal.  Review the offering documents, e-sign the subscription document, and submit it through the ICF portal.  
2What is the minimum investment for Impact Capital Funds first fund?
The minimum investment is as follows:
  • Individual accredited investors: $100,000
  • Accredited institutional investors: $500,000
The General Partner (“GP”) i.e., Impact Cap. Management may accept a lesser amount based on its discretion. 
3Can a family office invest with Impact Capital Funds?
Yes, Impact Capital Funds is open to investments from family offices interested in impact investing. 
4Can I invest with an LLC? A Trust?
Yes, you can invest with a Trust as long as the grantor is accredited. As for an LLC, all owners (if you are not the sole owner) must be accredited. 
5Does Impact Capital Funds accept investments from foreign investors or US Citizens living abroad?
Impact Capital Funds does not accept investments from foreign investors or US citizens living abroad. 
6Am I able to invest in ICF’s Fund with an IRA or Roth?
Yes, but the investment must be done through a self-directed IRA custodian. We can recommend one such as Millennium Trust Company, New Direction Trust Company.  Additional fees may apply when using a self-directed IRA custodian.
7Are investors from all 50 US states able to invest with Impact Capital Funds?
Accredited Investors who are US citizens or permanent residents residing in any state can invest in with Impact Capital Funds.

Investor Accreditation

1Who can Invest with Impact Capital Funds?
Impact Capital Funds is only open to individual accredited investors and institutional investors. 
2Who qualifies as an individual Accredited Investor?
The definition of accredited investor is regulated by the SEC in Rule 501 of Regulation D. To be an accredited investor an individual must:
  • Have an annual income exceeding $200,000 ($300,000 for joint income) for the last two years with the expectation of earning the same or a higher income in the current year. Or
  • An individual is also considered an accredited investor if they have a net worth exceeding $1 Million, either individually or jointly with their spouse exclusive of their personal residence. Or 
  • A holder in good standing of the Series 7, Series 65, or Series 82 
3What third-party agents are appropriate to confirm my accreditation?
  • A Certified Public Accountants (CPA)
  • A Securities and Exchange Commission (SEC) or FINRA licensed and registered broker-dealer
  • A Licensed Attorney
  • An Investment Advisor licensed and registered by the SEC under the Investment Advisers Act of 1940

Fund Investment Structure

1In what asset classes does Impact Capital Funds invest?
Impact Capital Funds invests in two distinct asset classes:
  1. Equity securities and covered call options- managed in the Enhanced Income and Dividend Portfolio (EDIP) sub advised by Capital Wealth Planning, LLC.  (“CWP”) CWP is a Registered Investment Advisor with $2.2 billion of assets under management and is headquartered in Naples, Florida.  EDIP
  2. Private refinanced student loans:  these loans produce interest income and are offered to creditworthy US professionals and resident aliens with college or graduate degrees.
2What is the “Hurdle Rate” ?
The hurdle rate is the return that investors earn before any additional return is allocated to investors, or other parties. For the first fund, the target hurdle rate is 4% annually. After 4% is earned for investors, the returns are split 50/50 between investors and non-profit recipients.  See further explanation below.
3How often are distributions paid out?
Distributions are paid to investors annually through our fund's administrator with a calculation based on the amount of their original investments. 
4How often will I be able to check the value of my investment?
You can check the value of your investment at any time online, but the fund’s value is updated only once a month.  


1What are the fees associated with investing with Impact Capital Funds?
There are no fees except for the 1.25% yearly management fee investors pay to ICF. 
2How does Impact Capital Funds Get Paid? 
Impact Capital Funds gets paid via the 1.25% fee described above, minus overhead costs or expenses. There are no other fees charged to investors. 

Impact Investing Element

1What positive impact will my investments have?
Your investment with Impact Capital funds will refinance student loans held by graduates of America’s top undergraduate, graduate and professional programs. Borrowers who refinance with Impact Capital Funds typically will save 10%-50% compared to their original interest rates. This results in lower monthly payments and/or less interest paid through the life of the loan. Lower payments and a lower IR may allow borrowers to achieve milestones like buying a home, starting to save for retirement, among others. 

50% of all returns above the 4% hurdle rate can be donated to a college or university selected by the investor. The educational institution will use these funds to generate scholarships for low-income undergraduate students. As a result, needy students will have to borrow less to afford college. 

Risk Management

1What is the profile of the typical borrower?
Impact Capital Funds first fund only refinances prime borrowers who are currently working and repaying their student loans. Before approving a borrower, ICF’s underwriting process looks at the following criteria:
  • Graduated from an accredited US college or university with a repayment rate above 98%
  • Credit Score of 700 or above for those who have a credit score
  • A Debt-to-Income (DTI) ratio of 40% or less
  • Currently employed full time in the US
2Is Impact Capital Funds Ever Audited?
The financials of Impact Capital Funds Fund’s will be audited annually by Rehmann Robson.
3What is your credit approval process? Is there a credit committee that vets borrowers?
The credit approval process is governed by the credit policy described above. The process includes verifying credit scores (for those US domestic borrowers with a credit report). We then proceed to verify employment status and annual income, borrower graduation status via official transcripts and debt to income ratios through bank statements and official payroll stubs. 
4What is the expected aggregate risk (Standard deviation) of Impact Capital Funds first fund? How does this compare to the S&P 500 or the Dow Jones Industrial Average? 
For the student loan portfolio, the forecast default rate is under 1% per year, but the economic effect of the pandemic may increase defaults.  For the EDIP portfolio, the standard deviation since inception (1/1/2014) is 10.99%.  For the comparable period, the standard deviation of the Dow Jones Industrial Avg is 13.96% and of the BXM S&P 500 BuyWrite Index is 9.95%.

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