Connect Invest

Connect Invest is a Las Vegas platform selling Short Notes: fixed rate real estate debt investments with a $500 minimum, open to non-accredited investors through an SEC qualified Regulation A Tier 2 offering. The company was organized in Nevada in October 2020 and introduced Short Notes in 2021 as a way for ordinary investors to fund a diversified portfolio of collateral backed real estate loans without owning property. The August 2026 rate card: 7.5% annualized on a 6 month note, 7.75% on a 6 month roll-over note, 8% at 12 months, and 9% at 24 months. Interest arrives every 30 days, starting 30 days after your note activates, and lands in a platform wallet you can withdraw from or reinvest at any time. Connect Invest charges investors no platform, account, or investment fees, so the posted rate is what you earn. Your money funds loans originated by Ignite Funding, an affiliated Las Vegas mortgage broker that has focused on lending to homebuilders and developers since 2011. Loans sit in first lien position with a reported average loan to value around 65%, and the affiliate's book spans more than $2.5 billion funded across 1,446 loans with over $240 million in interest paid to investors and a historical default rate reported below 0.22%. The fine print matters. Short Notes are securities issued under the Connect Invest II offering circular, not bank deposits: there is no FDIC insurance, and the circular is blunt that investors should be able to withstand losing their entire investment. Principal is locked until maturity; early liquidation is possible but forfeits interest under terms set in the offering circular. Concentration is the structural risk: every loan comes through one affiliated originator, and construction and development lending is exactly the segment that seizes up first in a housing downturn. Connect Invest fits income focused investors who want short, fixed terms and monthly cash flow well above CD rates without a large commitment, and IRAs and business accounts are supported. Skip it if you might need the principal before maturity, if you want independent third party originators rather than sponsor reported performance, or if the money belongs in an emergency fund; a 9% yield on real estate debt is never risk free.