(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


Invest from



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

  • Supporting fellow American businesses while earning a great return

  • Easy to cash in your bonds at any time without paying 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 (6)

Alt nerd

Simple, easy way to get started investing into Real Estate. It took a little for my funds to clear, but I was still earning interest over this time so guess it didn't matter.


Nicholas Trumbull




Love the real-time dividends and weekly payouts. Great customer support - you can chat with a real person in the app.