Individuals and institutions who qualify as accredited investors or qualified purchasers can invest in the Defynance Fund.  It is expected that investors will be from the United States but it is possible for international investors to also invest in the Defynance Fund but this may require additional compliance requirements.

Subscriptions to the Defynance Fund can be made monthly.

During the initial one-year hold period, distributions are reinvested for more shares and to compound investor returns.  After the hold period, distributions are made quarterly.  Investors have an option to take distributions as passive income or reinvest for more shares.

Investor capital is preserved during the lifetime of the Fund.  It is anticipated that this first Defynance Fund will be rolled into a future Defynance Fund.

Limited redemption options will be offered in the future.  Please check with the Manager.

For accredited investors, the minimum investment is $25,000.  For qualified purchasers, it is $100,000.  The Manager can make exceptions on a case-by-case basis.

There is a sales charge with each subscription and recurring servicing fees for servicing the income share agreement assets and a management fee based on assets under management (AUM).  Their a carried interest on the profit from each income share agreement that is taken net of fees.  Specific fee details are available in the private placement memorandum (PPM).

The Defynance ISA agreement is a legally binding contract that can be upheld in court.  If required, we will be able to initiate and secure a default judgement.  However, the nature of income sharing creates an amicable relationship between the financier and the customer.  As opposed to lenders, our customers know that we are investing in their earning potential by protecting their downside with income adjusted payments and payment deferrals along with giving them options to mitigate overpayment risk with cash rewards, term reduction options, buyout mechanism, and a payment cap.  The inherent nature of income sharing reduces moral hazard and the resulting default and nonpayment risk.

We employ various mechanisms to track the income and job status of our customers.  Contractually, customers are obligated to inform us when their income and/or job changes.  Additionally, customers submit quarterly paystubs so we can adjust for income changes and we will implement automated bank account monitoring through services such as Plaid.  Finally, we conduct annual reconciliation based off a customer's W2, pay stubs, IRS tax transcripts, and other necessary documents.

This is what sets the Defynance ISA apart from predatory student loans.  If someone loses their job, they are still required to make student loan payments.  If they cannot afford to do so, interest compounds and default proceedings can be initiated.  Talk about going from the frying pan into the fire.  It is no wonder that millions of borrowers end up paying student loans well into their middle and even old age.

How is the Defynance ISA different?  First, we align the needs of student loan borrowers with investor goals.  This means that we invest in educated working Americans instead of just lending them money.  By doing so, we take downside risk by automatically lowering their payments when income decreases or even pausing payments during unemployment.  We mitigate this risk by providing career support resources to help them recover from unemployment and optimize income.  This downside risk is further mitigated by upside reward because our customers make larger payments as their income increases over time because they are sharing a fixed percentage of income with us during their payment term.  Ultimately, customers know that we are with them during their career journey.  They recognize that we eliminated their student loans, gave them the freedom to live life on their terms, protecting them during difficult times, and are there to help them achieve success.

The Defynance ISA agreement is a legally binding contract that can be upheld in court.  If required, we will be able to initiate and secure a default judgement.  However, the nature of income sharing creates an amicable relationship between the financier and the customer.  As opposed to lenders, our customers know that we are investing in their earning potential by protecting their downside with income adjusted payments and payment deferrals along with giving them options to mitigate overpayment risk with cash rewards, term reduction options, buyout mechanism, and a payment cap.  The inherent nature of income sharing reduces moral hazard and the resulting default and nonpayment risk.

We employ various mechanisms to track the income and job status of our customers.  Contractually, customers are obligated to inform us when their income and/or job changes.  Additionally, customers submit quarterly paystubs so we can adjust for income changes and we will implement automated bank account monitoring through services such as Plaid.  Finally, we conduct annual reconciliation based off a customer's W2, pay stubs, IRS tax transcripts, and other necessary documents.

This is what sets the Defynance ISA apart from predatory student loans.  If someone loses their job, they are still required to make student loan payments.  If they cannot afford to do so, interest compounds and default proceedings can be initiated.  Talk about going from the frying pan into the fire.  It is no wonder that millions of borrowers end up paying student loans well into their middle and even old age.

How is the Defynance ISA different?  First, we align the needs of student loan borrowers with investor goals.  This means that we invest in educated working Americans instead of just lending them money.  By doing so, we take downside risk by automatically lowering their payments when income decreases or even pausing payments during unemployment.  We mitigate this risk by providing career support resources to help them recover from unemployment and optimize income.  This downside risk is further mitigated by upside reward because our customers make larger payments as their income increases over time because they are sharing a fixed percentage of income with us during their payment term.  Ultimately, customers know that we are with them during their career journey.  They recognize that we eliminated their student loans, gave them the freedom to live life on their terms, protecting them during difficult times, and are there to help them achieve success.