Open to accredited investors only **
Please note, YS Short Term Notes carry different risk and liquidity profiles than CDs. Please see the Private Placement Memorandum and the applicable Series Note Supplement for additional information.** The most common definition of accredited investor is someone who makes $200k a year, $300k jointly with their spouse, or has $1m in net worth apart from their primary residence.
Every dollar counts
Park $500 or more in Short Term Notes for a few months while you decide what to invest in next helping to ensure your money is always working hard for you.
| # of Matured Offerings | Total Matured Principal ($M) | Target Net Annualized Return | Realized Net Annualized Return | |
|---|---|---|---|---|
| 0-3 Months | 16 | $70.0 | 3.3% | 3.3% |
| 4-6 Months | 23 | $157.5 | 5.1% | 5.2% |
| Total | 39 | $227.5 | 4.5% | 4.6% |
Make Short Term Notes the beginning of your
Yieldstreet investment journey
No fees or expenses charged
Invest in a fee-free product
Short durations
Short-term product offering liquidity in less than 6 months
No promotional rates
Interest rate remains consistent for full duration
Rolling maturities
Invest multiple times to build an optimized earnings strategy
Monthly payments
Monthly interest payments paid directly into your Yieldstreet wallet
Consistent track record
Since 2019, performance of each note issued has been in line with expectations
View our offerings
Short Term Notes Investment Simulator
Calculate the interest you can earn on your investment and visualize how you can receive payments as an investor.
Short Term Notes on Yieldstreet
Begin your investment journey in 3 easy steps
Create an account
Sign up with your email address or by using your Google or Apple account.
Transfer funds
Link a bank account to quickly and securely fund your new wallet.
Verify accreditation
Multiple ways to quickly verify your status.
Your frequently asked questions, answered.
How often do I get paid?
Short Term Notes make monthly interest payments at the annualized rate. Principal is repaid at the note’s maturity.
What is my investment backed by?
Yieldstreet has used Short Term Notes and other warehouse facilities and credit lines to fund more than $1.4B in investments on our platform. As of January 2021, we have launched 22 series of Short Term Notes, with 11 series paid in full and the remaining series currently performing as expected.
Short Term Notes carry the risk that an investment opportunity financed by Short Term Notes could default before it becomes fully subscribed. In such a scenario, Yieldstreet would work to recover the cash invested in the underlying investment. As with other investment opportunities, some investments that are financed via Short Term Notes may have senior lenders who would receive first payment in case of default.
However, to help protect Short Term Note investors, Yieldstreet generally holds a percentage of the notes issued in each series in a first loss position. This product is not offered by a bank and as such it is not FDIC insured.
What are Short Term Notes?
Short Term Notes offer investors the opportunity to earn interest typically over the course of a 120 or 180-day term. Investors receive monthly interest payments at an annualized interest rate and their principal at the note’s maturity.
Yieldstreet uses money raised through its Short Term Notes program, along with warehouse facilities and credit lines, to fund investment opportunities that are then launched on the platform.
2 Represents an average net realized internal rate of return (IRR) with respect to all matured investments in your portfolio, utilizing the effective dates and amounts to and from the investments and net of management fees and all other expenses charged to the investments. Past performance is not a reliable indicator of future results and should not be relied upon as the basis for making an investment decision. All securities involve risk and may result in significant losses, including the loss of principal invested.[read more]