Short term notes

Short term notes have realized a net annualized return of 4.6% 1

Interest rates higher than most CDs, approximately 40X* the national average money market yield.

Open to accredited investors only **

Realized net annualized return as of 3/31/2022* FDIC, as of Sept 20, 2021 - https://www.fdic.gov/regulations/resources/rates/
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.

Capital One Logo

0.10%

APY

6-month CD
Ally Logo

0.20%

APY

6-month CD
Yieldstreet logo

Short Term Notes

4.60% 1

Realized net annualized return

as of 3/31/2022
Marcus Logo

0.45%

APY

6-month CD

National
Average

0.09%

APY

6-month CD
Yieldstreet logo

Short Term Notes

4.60% 1

Realized net annualized return

as of 3/31/2022
Capital One Logo

0.10%

APY

6-month CD
Ally Logo

0.20%

APY

6-month CD
Marcus Logo

0.45%

APY

6-month CD

National
Average

0.09%

APY

6-month CD
Source of comparative rates is Bankrate as of 11/1/2021.Yieldstreet Short Term Note series is not FDIC insured. 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.*FDIC, as of Apr 18, 2022 - https://www.fdic.gov/regulations/resources/rates/
# of Matured OfferingsTotal Matured Principal ($M)Target Net Annualized ReturnRealized Net Annualized ReturnRelative Return
0-3 Months24$118.93.1%3.2%+0.1%
4-6 Months36$284.34.8%4.9%+0.1%
7-9 Months4$37.65.7%5.9%+0.2%
Total64$440.84.4%4.5%+0.1%
* As of 12/31/2022. Table represents all short term notes offerings that have matured. Past performance is not a guarantee of future performance. Performance is calculated using the weighted average target and realized net return of each matured short term note. Annualized returns are calculated using an internal rate of return (IRR) calculation. All remaining short term notes that have not matured continue to perform in line with expectations.

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

Short Term Notes on Yieldstreet

Since May 2019, Yieldstreet has seamlessly been prefunding offerings with the Short Term Notes program before they launch on the platform. Performance of each note issued has been in line with expectations.

$215M

Amount invested to date

$150M

Principal and interest returned to investors

30

Fully matured deals

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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.

We believe our 10 alternative asset classes, track record across 470+ investments, third party reviews, and history of innovation makes Yieldstreet “The leading platform for private market investing,” as compared to other private market investment platforms.

1 Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.

3 "Annual interest," "Annualized Return" or "Target Returns" represents a projected annual target rate of interest or annualized target return, and not returns or interest actually obtained by fund investors. “Term" represents the estimated term of the investment; the term of the fund is generally at the discretion of the fund’s manager, and may exceed the estimated term by a significant amount of time. Unless otherwise specified on the fund's offering page, target interest or returns are based on an analysis performed by Yieldstreet of the potential inflows and outflows related to the transactions in which the strategy or fund has engaged and/or is anticipated to engage in over the estimated term of the fund. There is no guarantee that targeted interest or returns will be realized or achieved or that an investment will be successful. Actual performance may deviate from these expectations materially, including due to market or economic factors, portfolio management decisions, modelling error, or other reasons.

4 Reflects the annualized distribution rate that is calculated by taking the most recent quarterly distribution approved by the Fund's Board of Directors and dividing it by prior quarter-end NAV and annualizing it. The Fund’s distribution may exceed its earnings. Therefore, a portion of the Fund’s distribution may be a return of the money you originally invested and represent a return of capital to you for tax purposes.

5 Represents the sum of the interest accrued in the statement period plus the interest paid in the statement period.

6 The internal rate of return ("IRR") represents an average net realized IRR with respect to all matured investments, excluding our Short Term Notes program, weighted by the investment size of each individual investment, made by private investment vehicles managed by YieldStreet Management, LLC from July 1, 2015 through and including July 18th, 2022, after deduction of management fees and all other expenses charged to investments.

7 Investors should carefully consider the investment objectives, risks, charges and expenses of the Yieldstreet Alternative Income Fund before investing. The prospectus for the Yieldstreet Alternative Income Fund contains this and other information about the Fund and can be obtained by emailing [email protected] or by referring to www.yieldstreetalternativeincomefund.com. The prospectus should be read carefully before investing in the Fund. Investments in the Fund are not bank deposits (and thus not insured by the FDIC or by any other federal governmental agency) and are not guaranteed by Yieldstreet or any other party.

8 This tool is for informational purposes only. You should not construe any information provided here as investment advice or a recommendation, endorsement or solicitation to buy any securities offered on Yieldstreet. Yieldstreet is not a fiduciary by virtue of any person's use of or access to this tool. The information provided here is of a general nature and does not address the circumstances of any particular individual or entity. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of this information before making any decisions based on such information.

9 Statistics as of the most recent month end.

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