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 $10,000 or more in Short Term Notes for a few months while you decide what to invest in next helping to ensure your money is always working hard for you.
| # of Matured Offerings | Total Matured Principal ($M) | Target Net Annualized Return | Realized Net Annualized Return | Relative Return | |
|---|---|---|---|---|---|
| 0-3 Months | 24 | $118.9 | 3.1% | 3.2% | +0.1% |
| 4-6 Months | 36 | $284.3 | 4.8% | 4.9% | +0.1% |
| 7-9 Months | 4 | $37.6 | 5.7% | 5.9% | +0.2% |
| Total | 64 | $440.8 | 4.4% | 4.5% | +0.1% |
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 on Yieldstreet
Begin your investment journey in 3 easy steps
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Transfer funds
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Your frequently asked questions, answered.
How do I invest in Short Term Notes?
Yieldstreet’s Short Term Note program is a product offered to investors with targeted monthly interest payments and terms ranging from 3 to 9 months.
Our Short Term Notes offerings are currently offered to accredited investors, although certain offerings may not require documentation of accreditation.
To find out if documentation of accreditation is needed, please refer to the offering details page. The offering details page will provide specific information on whether accreditation documentation is required or not.
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?
Yieldstreet’s Short Term Note program is a product offered to investors with targeted monthly interest payments and terms ranging from 3 to 9 months.
Short Term Notes are a funding program used by Yieldstreet to support future investment opportunities on our platform. Through pre-funding, Yieldstreet finances investments before investors take their positions in the deals.
The minimum investment is $10,000 and there are no fees associated with the short-term note program. The notes are secured by underlying investments, and Yieldstreet holds the first-loss position (5%), providing a buffer for other investors in case of any realized loss. Noteholders receive monthly interest payments and the principal back at maturity.
For detailed information about the investment, please refer to the specific offering pages.
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.
2 Represents an net annualized return, using an internal rate of return (IRR) methodology, with respect to the matured investments shown in your Portfolio experience, utilizing the effective dates and amounts of subscriptions and distributions to and from the investments, net of management fees and all other expenses charged to the investments.[read more]