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ISAC by Defynance

IMPACT WITHOUT
COMPROMISE

Invest in tackling the $1.6 Trillion student
debt crisis without sacrificing returns

 

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 

 

Passive Income Simulator
GROW YOUR INVESTMENT

Passive Income Simulator

View how much your investment can increase in this asset class.

Your initial
investment can grow to

$

Nothing

Assumptions

  1. The simulator uses a fixed term of 10 years.
  2. The simulator uses an average ISA funding of $50K with an average initial income of $60K.
  3. 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.
  4. The simulator applies the chosen Average Salary Growth Rate as an average across the fund.

All investments involve risk, including loss of principal. The chart shown by this simulator represents hypothetical performance that assumes a fixed annual rate of return entered by the user over a pre-defined time period. Certain investments do not even provide for a fixed annual rate of return, so this simulator will not accurately reflect potential investment results for those investments importantly, this simulator does not take into consideration expenses, economic conditions, market conditions or any other uncertainties or risks described in the investment offering materials for each investment. Because all of those factors impact performance, Defynance ISA Credit Fund investors' actual investment results may materially differ from the hypothetical results calculated by this simulator. The calculation is illustrative only and should not be considered as investment advice by Defynance ISA Credit Fund to you or any recommendation by Defynance ISA Credit Fund to buy or sell a particular security or investment product. You should consult with your own investment, tax, financial and legal advisers prior to making any investments and/or making any financial decisions based on any calculations produced by this simulator.

Features & Benefits

Inflation Hedging

Inflation Hedging

Income does not correlate with the market so it continues to grow even during inflationary times.

Diversification

Portfolio Diversification

Invest in a diverse pool of income sharing assets, not just one to greatly reduce your overall risk exposure.

Better

Better Returns than Fixed Income

Low volatility that you expect combined with forecasted returns of 7-10%.

Quarterly

Passive Income

Receive quarterly passive income or reinvest it into more Fund interests.

PRAIS

Proprietary Pricing and Risk Algorithm

Leverages data science and machine learning to project the future income of every refinancing customer.

 

Social

Social Impact

Eliminate the student loan debt that burdens every ISA customer.

Get Started

Generate passive income and diversify your investment portfolio by investing in the great American workforce with a diversified portfolio of ISAs.  It is time to make an impact without compromising returns! 

INVEST NOW

 

Fund Information

ISA Credit Fact Sheet

Fact Sheet

ISA Pipeline Summary

ISA Customer Pipeline

Impact Report

Impact Report

 

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. 

You can either fill out the ISA Credit Fund Investor Interest Form on this site or send an email to investor@defynance.com.  

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. 

 

Still have questions?

Let's talk. We are happy to meet and answer any questions you may have or provide additional information. We look forward to your chat.

Contact Information:
investor@defynance.com
(813) 296-2900

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Managed by Defynance

© 2022

DISCLAIMER

From time to time, Defynance will make opportunities for investments in ISAs available to investors who are qualified as “Accredited Investors” (as defined below) and who have expressed an interest in learning about such investment opportunities. Any prospective investors will only have opportunities for investments made available to them by the ISA Refi Fund only after verification of their status and an expression of specific interest.

When investment opportunities are being offered, a Confidential Private Placement Memorandum (a “PPM”) will be furnished to approved investors on a confidential basis. Sales of the securities may not be consummated unless prospective investors are provided with a PPM. In particular, you should carefully read the “Risk Factors” set forth in the PPM.

The information contained in the PPM may not be provided to persons who are not directly concerned with an investor’s decision regarding the investment offered hereby. Investors should make their own investigations and evaluations of any securities offered. The securities, when offered, will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any other securities laws. They will be offered for investment pursuant to the exemption from registration provided under Section 4(a)(2) of the Securities Act and exemptions from the registration requirements of applicable state securities laws only to persons who are “Accredited Investors,” as defined in Regulation D under the Securities Act. There will be no public market for the offered securities.

This website, and the information being provided to prospective investors at this time, is not an offer to sell or a solicitation of an offer to buy any securities that may be offered in the future by Defynance, nor shall any such securities be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.

ANY SECURITIES OFFERED BY DEFYNANCE WILL NOT HAVE BEEN RECOMMENDED BY THE U.S. SECURITIES AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION OR REGULATORY AUTHORITY.

ANY SECURITIES OFFERED BY DEFYNANCE WILL BE SUBJECT TO RESTRICTIONS ON TRANSFERABILITY AND RESALE, AND MAY NOT BE TRANSFERRED OR RESOLD EXCEPT AS PERMITTED UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR AN EXEMPTION THEREFROM. INVESTORS SHOULD BE AWARE THAT THEY MAY BE REQUIRED TO BEAR THE FINANCIAL RISKS OF THEIR INVESTMENT IN THE SECURITIES FOR AN INDEFINITE TIME.

CERTAIN INFORMATION CONTAINED IN THIS WEBSITE AND IN THE PPM TO BE DELIVERED IN THE FUTURE CONSTITUTES AND WILL CONSTITUTE “FORWARD-LOOKING STATEMENTS,” WHICH CAN BE IDENTIFIED BY THE USE OF FORWARD-LOOKING TERMINOLOGY SUCH AS “MAY,” “WILL,” “SHOULD,” “EXPECT,” “ANTICIPATE,” “ESTIMATE,” “INTEND,” “CONTINUE” OR “BELIEVE” TO THE NEGATIVES THEREOF OR OTHER VARIATIONS THEREON OR COMPARABLE TERMINOLOGY. DUE TO VARIOUS RISKS AND UNCERTAINTIES, ACTUAL EVENTS OR RESULTS FROM THE ACTUAL PERFORMANCE OF THE SECURITIES MAY DIFFER MATERIALLY FROM THOSE REFLECTED OR CONTEMPLATED IN SUCH FORWARD-LOOKING STATEMENTS.