Bondflow | Fixed-Income Opportunities for Accredited Investors

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Year in Review

From First Commitments to Confident Momentum

A Note to Our Community

Dear Bondflow investors and partners,

This year was about proving the model. We set out to connect accredited investors with clear, asset-backed private credit opportunities through trusted lending platforms. We built the legal entities, launched our note programs, opened our investor pipeline, and established the risk and reporting framework that guides every decision. The result is a solid foundation to scale with care.

Thank you for the time, trust, and thoughtful questions that shaped our launch. We enter the next year with focus, discipline, and a bigger ambition for what Bondflow can become.

— The Bondflow Team

Dear Bondflow investors and partners,

Thank you for the time, trust, and thoughtful questions that shaped our launch. We enter the next year with focus, discipline, and a bigger ambition for what Bondflow can become.

— The Bondflow Team

Highlights at a Glance

Products live

Income Class Notes and Growth Class Notes

Offering format

Reg D 506(c) for accredited investors

Structures

OneCAP, uniCAP, flexiCAP programs for partner platforms

Risk controls

Independent checks, insurance coverage, concentration limits

Investor experience

Digital onboarding with clear reporting

Target yields reflect current term sheets and are subject to offering documents.

What We Built This Year

Income Class Notes

Target yield 10.5% per year

12-month term

Monthly or quarterly distributions

Growth Class Notes

Target yield 12.5% per year

24-month term

Quarterly distributions

These are fixed-income style instruments that give accredited investors exposure to diversified, asset-backed lending through established platforms.

A Partner-First Origination Model

We work with proven lending platforms and managers that already run disciplined programs. Our role is to provide capital access and ongoing oversight so investors can participate with confidence.

oneCAP

for a single facility or defined receivable pool

uniCAP

for rolling capital that supports ongoing origination

flexiCAP

for multi-asset allocation within agreed limits

Risk Discipline From Day One

Independent collateral checks and valuation where applicable

Insurance at the portfolio and transaction level when available

Structural subordination with Bondflow taking the first-loss slice

Concentration limits and scenario testing

Ongoing reporting from partner platforms

What Early Traction Looks Like

We measure progress by quality before quantity. This year we focused on:

A strong pipeline of accredited investors who want steady income and clear reporting

A shortlist of partner platforms that meet our underwriting bar

Clear operating playbooks for diligence, funding, servicing, and monthly reporting

As we convert pipeline to funded notes, we will publish simple, regular updates that show deployments, repayments, and distributions in plain language.

Platform Integrations

Built for clarity and ease of use

Digital onboarding with accreditation and KYC

Clean dashboards that show holdings, distributions, and documents

Faster subscriptions through integrated e-sign and funding instructions

Investor communications that explain what happened and what comes next

Straight Talk on Risk and Workouts

Private credit has real risk. Some assets experience delays and workouts. Our stance is simple.

Tell investors what is happening

Act fast with partners and advisors

Work to protect principal and recover value where possible

Report outcomes in a consistent format

You will see this approach in our quarterly updates.

The Road Ahead

Our focus for the next phase

Expand partner coverage in receivables and asset-backed programs with clean data and reporting

Grow the Income and Growth note series with consistent cadence

Deepen investor education on private credit, structures, and cash flow behavior

Keep costs tight and processes simple so more of the return reaches investors

For Accredited Investors

Want steady income and clear reporting from private credit? Review the current offerings and subscription steps.

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Legal reminder

For accredited investors only. Securities are offered under Regulation D Rule 506(c). All investments carry risk and may result in loss of principal. Refer to the Private Placement Memorandum and related documents before investing.