In a high-interest, volatile market, many investors are searching for stable, impact‑focused alternatives. The Defynance Fund offers a first-to-market solution: a debt-free, interest-free portfolio that consistently delivers double-digit annual returns with low volatility.
What Makes the Defynance Fund Unique?
The Fund refinances existing student loans using Income Share Agreements (ISAs) instead of traditional interest‑based debt. Income‑sharing customers share a small percentage of income for a fixed time period—nothing more. No interest. No growing balances. No debt trap.
Key Investor Benefits
High Net Returns: ~15.0% net total annual return since inception with only ~0.5% volatility
Passive Income: Quarterly distributions and monthly subscriptions
Risk-Adjusted Performance: Sharpe Ratio over 2.0 and Alpha over 12.0%
True Diversification: Non-correlated to public markets, real estate, or interest rates
Why 2025 Is the Right Moment for Defynance Income Sharing
On May 12, 2025 the Consumer Financial Protection Bureau (CFPB) withdrew 67 guidance documents, including the 2021 notice that had branded income-share agreements “private loans." The sudden roll-back leaves many traditional lenders unsure which rules will stick and which will vanish. Defynance is already operating with full consumer-disclosure and state-licensing safeguards, so we can keep moving while others pause to re-tool.
Meanwhile, federal-student-loan payments have restarted, and interest rates are still at two-decade highs. Student loan refinancers want relief from rising APRs; investors want returns that don’t swing with stocks or bonds. Defynance income sharing removes interest for customers and delivers steady, low-volatility cash flow for investors—exactly when both needs are spiking.
Why It Works
The Fund invests in income‑sharing customers with stable employment and education credentials. Payments flex with income, offering resilience during downturns. Non‑performance risk is mitigated by our proprietary underwriting, risk management, and career support resources.
Social Impact Embedded in the Model
Every investment eliminates student debt, prevents interest accumulation, and improves financial health. Investors don’t just earn—they empower financial freedom.
Conclusion
The Defynance Fund redefines what it means to invest responsibly. For accredited investors seeking competitive returns and measurable impact, it offers a new path—one that leads away from debt and toward shared prosperity. Click the button below to learn more.
