Begin with as little as $500. A 12-month note paying a fixed annual rate, with interest you can withdraw monthly or compound back in.
- MINIMUM
- $500
- TERM
- 12 months
- TARGET RETURN
- 7.0% fixed APR
BUILT TO BE TRUSTED
Returns to chase. Protections to lean on.
[ 01 ]
Segregated fundsHeld separately from Phoxta, ring-fenced for you.[ 02 ]
We co-investA first-loss stake in every loan we originate.[ 03 ]
Back-up servicerLoans keep performing even if we don't.[ 04 ]
Reg CF / Reg A+Offered under securities exemptions, audited.THE OPPORTUNITY
You back the infrastructure behind thousands of AI-run businesses — and share in revenue that compounds as the network grows.
Open to new investors
Real businesses. Real revenue. Returns engineered to be durable — not hype.
Where returns come from
Every payout is funded by real economics: one-time launch fees, recurring subscriptions, metered usage and marketplace take — plus interest on working-capital advances to vetted, revenue-generating businesses.
Fixed0%+
Annual target return on fixed Growth Notes.
Up to0%
Target net yield on Credit Invest portfolios.
Backed by0
Diversified revenue streams securing every payout.
From$0
Minimum to open an account — paid out monthly.
GROWTH NOTES · FROM 7%
Fixed-term notes that pay you from real platform revenue.
Our most-held note. A 24-month term at a higher fixed rate, funded by Phoxta's recurring subscription and usage revenue.
- MINIMUM
- $5,000
- TERM
- 24 months
- TARGET RETURN
- 9.0% fixed APR
For investors building a position. A 36-month note with a rate step-up each year you reinvest your interest.
- MINIMUM
- $25,000
- TERM
- 36 months
- TARGET RETURN
- 11.0% fixed APR
For larger allocations. A 48-month note at our top fixed rate, with quarterly reporting and priority access to new offerings.
- MINIMUM
- $100,000
- TERM
- 48 months
- TARGET RETURN
- 12.5% fixed APR
[ START INVESTING ]
Invest with us.
Tell us your goals and how much you’d like to put to work.
We respond personally within 24 hours — real people, clear terms, no jargon.
INVESTOR RELATIONS
invest@phoxta.comPhoxta Credit Invest
Your money funds loans to vetted, revenue-generating businesses — underwritten on live platform data. Up to 15% target.
01. How it works
[ MARKETPLACE_LENDING ]
Your capital funds short-term working-capital advances to vetted Phoxta businesses. They repay with interest from real revenue — and that interest is your return.
02. Conserve portfolio
[ GRADE A–B · ~8% ]
Lower-risk, shorter-duration advances to the most established businesses with the strongest cash flow. Target net yield around 8%.
03. Balanced portfolio
[ GRADE A–C · ~11% ]
A blend across grades that balances yield and risk — our most popular Credit Invest mix. Target net yield around 11%.
04. Growth portfolio
[ GRADE A–D · up to 15% ]
Adds newer, faster-growing businesses for the highest target return. Higher expected returns also carry higher expected losses.
05. Built-in protection
[ ALIGNED + RESERVED ]
Your deposit is auto-spread across dozens of businesses, Phoxta co-invests a first-loss stake in every loan, and a funded reserve absorbs defaults before they reach your principal.
HOW IT WORKS
From sign-up to your first payout, in five simple steps.
No brokers, no lock-you-in paperwork. Open an account, choose your mix, and your money goes to work the same day — with interest paid monthly.
- $500MINIMUM
- MonthlyPAYOUTS
01
5 minutesOpen your account
Create an investor account, verify your identity, and link a funding source. No broker, no paperwork in disguise.
WHAT HAPPENS
- Sign up
- ID & KYC
- Link bank
02
ChoosePick your mix
Choose a fixed Growth Note, a Credit Invest portfolio, or split across both. Set how much and for how long.
WHAT HAPPENS
- Growth Notes
- Credit Invest
- Set amount
03
Same dayFund & deploy
Your deposit goes to work immediately — into platform notes, or auto-diversified across dozens of business advances.
WHAT HAPPENS
- Auto-allocate
- Diversify
- Confirmation
04
MonthlyEarn & track
Interest accrues daily and pays monthly. Watch your balance, returns and the businesses you back from one dashboard.
WHAT HAPPENS
- Monthly payout
- Live dashboard
- Statements
05
AnytimeCompound or withdraw
Reinvest your interest to compound, or withdraw it. At term, take your principal back or roll into a new note.
WHAT HAPPENS
- Reinvest
- Withdraw
- Roll over
RETURNS CALCULATOR
Estimate what your money could earn.
Move the amount and pick a product. Figures are illustrative, not a guarantee.
Capital at risk. All rates are illustrative targets, not guarantees, and returns are not a bank deposit — not FDIC- or FSCS-insured. Credit Invest returns vary with actual loan performance and may be lower than shown after defaults and fees. Growth Notes and Credit Invest are securities offered only under the applicable exemptions; invest only after reading the offering documents. Past performance does not indicate future results.
INVESTORS
What our investors say after their first year
Real members, real payouts. Here’s how investors are putting their capital to work across Growth Notes and Credit Invest.
WHY RETURNS ARE SUSTAINABLE
How we target high yields while managing the downside.
We see each business's live revenue, orders and cash flow on the platform — so every advance is sized to real ability to repay, not a blind credit score.
THE FINE PRINT, IN PLAIN ENGLISH
Everything you want to know before you invest.
MINIMUM
$500Across Growth Notes or Credit Invest.FEES
~1%/yrServicing fee on Credit Invest. Growth Notes are fee-free — your rate is net.PAYOUTS
MonthlyInterest accrues daily, paid monthly. Reinvest to compound.LIQUIDITY
FlexibleNotes pay out at term; early exit best-efforts. Credit Invest withdraws monthly.Interest accrues daily and is paid to your account every month. You can withdraw it or reinvest to compound. Growth Notes return your principal in full at the end of the term; Credit Invest is rolling, so you can keep earning or wind down whenever you choose.
Still have a question?
Talk to a real person on the investor team — no bots, no pressure.
Open an accountOpen an accountinvest@phoxta.com