A NEW Alternative Fixed Income Fund
Finally, investors are able to benefit from investing in the earning potential of the American workforce. By refinancing the student debt of an American worker, the ISA Credit Fund generates low volatility, quarterly passive income with returns comparable to equities. This differentiation provides a unique portfolio diversification opportunity for ISA Credit Fund investors in today’s low return fixed income landscape.
ISA Credit Fund Performance
On-time Payments: 100%
Deal Pipeline: $11 Million
Impact Projection: $2 Billion
GROW YOUR INVESTMENT
Passive Income Simulator
View how much your investment can increase in this asset class.
Your initial investment can grow to
- The simulator uses a fixed term of 10 years.
- The simulator uses an average ISA funding of $50K with an average initial income of $60K.
- Client self-investment period occurs in Q1 and Q2. Self-investment uses 5% of ISA contract amount. This increases cash flows for Q1 and Q2. Repayment against actual ISA amount begins from Q3.
- The simulator applies the chosen Average Salary Growth Rate as an average across the fund.
Features & Benefits
Income does not correlate with the market so it continues to grow even during inflationary times.
Invest in a diverse pool of income sharing assets, not just one to greatly reduce your overall risk exposure.
Better Returns than Fixed Income
Low volatility that you expect combined with forecasted returns of 7-10%.
Receive quarterly passive income or reinvest it into more Fund interests.
Proprietary Pricing and Risk Algorithm
Leverages data science and machine learning to project the future income of every refinancing customer.
Eliminate the student loan debt that burdens every ISA customer.
ISA Customer Pipeline
Frequently Asked Questions
The Defynance Income Share Agreement (ISA) is an innovative financing method currently being utilized to refinance existing student loans. It allows someone to have their student loans paid off in exchange for sharing a fixed percentage of their income for a set period of time. For example, someone may agree to share 4% of their income for 10 years in having $15,000 of student loans paid off.
A Defynance ISA is different from a student loan because it is not a loan at all. Rather, it is a contractual agreement to share income for a set period of time. The financing extended does not have to be repaid; only income has to be shared for a set period of time. It is possible for total income share payments to be equal to, less than, or more than the amount originally financed with the Defynance ISA.
No. You invest in the ISA Credit Fund, which will then deploy your and other investor capital for refinancing student loans. Each student loan refinancing application is carefully vetted and optimal income share pricing is determined by the Defynance pricing and risk algorithm that leverages over 125 data points.
The ISA Credit Fund invests in the earning potential of the educated American workforce. ISA customers are geographically diverse, come from various academic backgrounds, work in numerous professions and industries, and earn at least $30,000.
It is anticipated that the ISA Credit Fund will have low volatility with returns forecasted in the 7-10% range. Subscriptions are accepted monthly and distributions are paid quarterly. Investors also have the option to reinvest distributions for additional Fund interests.
Yes. Currently, only accredited investors can invest in the ISA Credit Fund.