Diversify your portfolio.
Empower dreams.
Invest in people.
Introducing the newest asset class for social good. Invest directly in people who lack monetary resources in exchange for a percentage of their future revenue streams.
Why does this matter?
Capital constraints often prevent individuals from pursuing their passions. Providing capital in exchange for a percentage of future income enables full-time commitment to one's career aspirations, which gives them a higher likelihood of success, and provides you with a return on your investment. Ultimately, this leads to a more equitable world.
Who can you invest in?
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Actors
According to SAG-AFTRA, only 14% of its members make at least $26,470 annually to qualify for SAG-AFTRA healthcare coverage, yet Tom Cruise earned over $100 million for one movie.
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Artists
Many artists are unable to commit to painting full time because of the irregular income streams that come with the difficulty in acquiring exposure, yet Jasper Johns has a net worth of over $300 million.
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Athletes
Rookie Minor League Baseball players make $19,800 and Triple-A players (the best of the minor leaguers) make $35,800, yet the average MLB salary is $4.9 million / year and Aaron Judge makes $40 million.
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Authors
81% of Canadian writers live in poverty and the average writer’s income in Canada is less than $15,000, yet J.K. Rowling has a net worth over $1 billion.
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Content Creators
96.5% of YouTubers don’t make enough money from ad revenue alone to break the US poverty line, yet MrBeast earned $54 million in 2021.
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Musicians
Musicians struggle to pay for rehearsals, recordings, and performances, yet Taylor Swift generated over $1 billion in Revenue from her Era’s Tour.
(Acoustic Bits, AP)
People looking to raise capital for themselves and their dream will create a listing. You can search for people investment opportunities and begin investment discussions via the platform. When you are both ready to move forward, you can sign an Income Share Agreement (ISA).
How does it work?
An Income Share Agreement lays out the terms for an individual to receive an initial investment. Once they begin generating revenue, the investor will receive a return based the repayment term and income percentage that was agreed to upon signing.
FAQs
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Repayment timeline: The number of payments required and the maximum repayment period.
Income percentage: The portion of your income that will go toward your ISA repayment.
Minimum income threshold: The minimum income you need to earn in order for payments to count toward your repayment.
Maximum payment cap: The maximum amount you’ll be required to pay toward your ISA.
Source: Bank Rate
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Initial Investment: $100,000
Maximum number of monthly payments: 240
Income share: 5%
Minimum income threshold: $4,167 per month or $50,000 per year.
Payment cap: $10,000,000.
The individual will pay 5% of their income for each month that they earn at least $4,167, and they will continue until they make 240 of these monthly payments or pay a total of $10,000,000, whichever comes first.
If they make the minimum income required ($50,000 per year or $4,167 per month), their monthly payment toward the ISA would be around $208. After 240 payments, that would equal roughly $49,920 — a little less than half of what they originally received.
On the other hand, if their revenue is $6,000,000 per year or $500,000 per month, their monthly payment toward the ISA would be $25,000. Across 240 payments, they’d pay $6,000,000. That equates to a 5,900% return on investment.
Source: Bank Rate
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You earn any amount received via the Income Share Agreement. You win when the individual invested in succeeds, leading to a world where more people follow their dreams.