A fixed-income alternative, with historical returns of 8–20% per year based on industry data.
Invest while building brighter futures for small business owners.
From used car dealerships to real estate startups, Alchemy lending helps you build a diversified porifolio.
Notes are assets that correspond to fractions of loans, in amounts as low as $100.
Diversify your Alchemy Lending portfolio by purchasing Notes that correspond to different loans and borrowers.
Opening an account is quick and easy. Choose from multiple account types, including general investment, retirement, and corporate.
Automate investments based on a pre-selected strategy, or browse loans and purchase Notes manually.
Link a bank account and transfer as little as $1,000 to start investing through a Alchemy lending account by ACH, wire, or check. Monthly payments of principal and interest go right back to your Alchemy lending account.
Investors can make tax-deductible contributions up to the statutory contribution limit with a Traditional IRA. Investments can grow tax-free and are taxed upon distribution. Plus, for many investors, we’ll cover the annual fees.
Roth IRAs can offer tax-free growth and distributions, but the contributions to a Roth IRA are not tax-deductible. There is no minimum distribution required for investors over the age of 70 1/2.
Open a Alchemy Lending IRA by transferring funds from a retirement plan established with a previous employer, such as a 401(k) or a 403(b). (Coming soon)
Investors can open an account with a spouse, partner, or anyone with whom they have joint investment goals.
Investors can open an account for a trust, which is owned by the trust with the trustee(s) exercising control of the account.
Corporations and businesses interested in investing through Alchemy can appoint a designated representative to manage a portfolio on their behalf.
Guardians and custodians interested in establishing accounts for minors can take advantage of Alchemy Lending's options for Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts.
Fixed rates ranging from 5.99% to 29.99% for loans. Averages are based on a 1 year offer. Best interest rate available to borrowers with excellent credit and financial strength.