Invest with Edly

Edly Notes

Edly is pleased to offer a high-yielding fixed-income investment backed by a portfolio of ISA assets from students at top educational programs.

Diversification

Monthly Cash Flows

Short Maturity

Reporting & Monitoring

Edly Notes

Edly Inc. Senior Secured Notes 2020-1

8% coupon paid monthly

A high-yielding fixed-income investment backed by a portfolio of ISA assets from students at top educational programs

3 year maturity, approximately 1 year average life

Hand-selected school types
Focus on Technology, Nursing, Business, and Industrial Vocational.

Secured by ISA assets owned by Edly & affiliates and pledged to the benefit of noteholders

Minimum investment: $10,000

We’re here to help. Contact us with any questions here.

Higher education, higher returns.

Edly assembles diversified investments by applying investor funds across ISA pools from different schools with varied geographic and industry placements.

Target Portfolio Composition

This graph was created using sample data.

No individual offerings at this time

Edly is constantly adding individual offerings to invest in. Please check back again in the future.

Edly targets investments that are likely to produce high risk-adjusted returns

Commonly asked questions

Is my investment safe?

Alternative investing involves a relatively high degree of risk. Edly takes steps to minimize the risks it can. For example, Edly will invest in actual student contracts, seeks collections from students via a professional servicer, and does extensive screening prior to investing.

How much can I expect to earn?

Alternative investments can be high risk. There is no guarantee that target returns will be achieved. Investments with EdlyOutcomes I High Yield have a target return of 14% (IRR). Fixed income investments may have a shorter maturity and lower coupon that may correspond to an investment grade rating. The Edly Inc. Senior Secured Notes 2021-1 issue has an 8% coupon paid monthly.

How am I paid?

On the 25th of each month (or next business day thereafter), Edly will pass through any cash payments made by students. These payments are low at first while students are still in school or just starting to work. They increase later and then end – typically within 3 to 5 years.

Edly Notes investors receive a monthly fixed coupon payment which equals 8% per annum, in addition to a variable principal paydown.

What fees are charged?

For Edly Outcomes:

Management Fees: 1% of the initial investment amount per year for two years, plus 4% of the ISA cashflows.

Expenses: Edly will also charge investors all of the out of pocket expenses relating to the management of the account up to 1% of cash returned to investors.

For Edly Notes:

There are no Management Fees charged directly to the investor.

Can I sell my investment?

There is currently no secondary market for Edly investments. Edly may be able to allow for early redemption in certain circumstances but you should expect to hold until all of the student payments are done – typically 3 to 5 years.

How is my investment taxed?

You will receive a 1099 on any tax amount due each year. For Edly Outcomes, Edly tries to minimize the amount of tax due in the early part of your investment. See PPM and respective PPM Supplement for a fuller description. For Edly Notes, investors will have interest paid reported on a 1099 each year.