(14 Reviews)






Earn 5% interest (PAID DAILY) while supporting your fellow humans. Cash in at any time! Get started with only $10.


4.5% - 12%

Asset Class Return1Y

#0 Rank

In Lending30d


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Welcome to a fairer, more human side of finance. At last, even the smallest investors can benefit from investments usually reserved for larger, institutional, and wealthy investors. Worthy creates and sells SEC qualified bonds that help fuel American businesses. Proceeds from bonds sales are primarily loaned to growing companies who offer collateral such as inventory and accounts receivables to secure the funds. Since the money from the sale of Worthy bonds helps fund the loans, you, as a bond holder, get to indirectly share in the interest generated!

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment


  • Target Return


  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Fixed 5% return, compounded daily

  • Back US firms & earn impressive returns

  • Cash bonds anytime, no fees

How you make money

You earn a fixed 5% interest on the money you invest (or loan to Worthy) and this is paid to you daily. Interest compounds at a 5% annual rate as soon as you've reached at least a penny in earned interest. When you invest money in a Worthy Bond, the company takes the money you lend them and loans it to other companies. These other companies secure the loans with inventory or other assets, which means should a company default on their payments, Worthy Bonds could technically seize the assets to recoup their investment.

How Worthy makes money

They make a spread between what is paid to you (5%) as a bondholder and the return generated when the bond proceeds are put to work in loans and other investments. Proceeds from the sale of Worthy Bonds are used in part to fund inventory (or asset) backed loans to growing U.S. businesses, with an additional portion directed to a variety of investments (such as real estate, Treasuries and CDs) to ensure a diversified portfolio that can generate a yield from which to pay bondholders the 5% interest. Between interest on the loans made and the combination of other investments, a greater return than the 5% is generated and they fund their operations using this difference. Their business model allows them to operate while keeping their product free for their Worthies. As a bonus, they help small businesses grow!

Is it safe?

Investment risk in Worthy bonds is mitigated by doing primarily secured lending and lending across industries, different geographies and different types of loans and by lending at a significant discount to the collateral value. Therefore, the risk to your investment is relatively low. The interest rate is good as compared to the low-risk profile. The bonds are not insured. However, Worthy Bonds mitigates risks by securing company assets to back up its loans. Investors investments are asset-backed. If loan default occurs, inventory will be sold off to recover the amount. Worthy Bonds is not a bank which means the bonds cannot be insured by the FDIC. However, like other investment firms, it is registered with the SEC. That said, of course ultimately Worthy bonds are an investment and any investment is subject to loss so you would only want to invest an amount you are comfortable investing.

  • Established


  • Country Available


  • Assets Managed



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Reviews (14)


Absolutely terrible they use a third-party billing system that lock you Out of the account. Worthy bond supposedly insist there’s no way to contact them supposedly nobody works Their bs somebody has to be maintaining it programming etc. So that means they have a Address and an email address at minimum. Plus they’re paying them for their services. They well see when they get their letter of demand.


Keith Brice

Worthy is a great investment platform! I’ve been with them over a year and about 10% of my overall portfolio is with them. I’ve always received my interest and have never had a loss. I highly recommend their platform.


Michael Rosen

I've invested with Worthy for over two years. My experience with the investment has been nothing but positive. They promise a 5% return on your investment and they completely deliver. Over time they have added more features and integrations to their app and website that have helped to make the experience of investing with them even better. Your money is completely liquid and in my experience it takes about a week to sell any bonds and have the funds back in your account. Even when the market crashes this investment continues to grow. Worthy bonds should be in every investors portfolio!