Invest
Invest in social impact with community bonds
The community bond program represents $2.75 million dollars in local investments, which have been generating stable and predictable returns. We have have consistently generated approximately $90,000 in annual interest payments to our current community bond holders each and every year since 2016. That’s investment revenue that stays in the community and supports community goals!

Community Bond Availability:
10C first launched our real-estate backed community bond in 2015 to support the purchase and redevelopment of the property at 42 Carden Street. These form part of the long-term capital financing for the property. Now almost 10 years later, 10C’s current community bonds are for a 5 year term and are available for direct investment by individuals, businesses, non-profits and charitable foundations in Guelph and across Canada.
Our operations now support over $100,000 of investor interest returns annually, helping to keep wealth circulating locally and strengthening this community-owned asset.
Bonds are currently available in the following series:
Series C (2.75%) $1,000 minimum. Interest paid at maturity.
Series E (3.0%) $5,000 minimum. Interest paid annually.
Series J (4.5%) $10,000 minimum. WAITLIST
New Series L (4.0%) $5,000 minimum. Interest timing at your preference.
If you are interested in adding social impact to your portfolio or furthering your community bond investment, please complete the intake form and a 10C staff team will connect with you.
Interested in learning more?
Reach out with questions or for more information at [email protected].
42 Carden Street: Commercial Property Appraisal
10C Community Bonds are registered on a second mortgage and asset-backed by the property at 42 Carden Street which is appraised on a regular basis. This appraised value has increased since 2015:
Date | Value | Increase / Decrease |
---|---|---|
2024 | $3,700,000 | No change |
2022 | $3,700,000 | +$300,000 * |
2021 | $3,400,000 | -$430,000 * |
2019 | $3,830,000 | +$130,000 |
2018 | $3,700,000 | +$545,000 |
2017 | $3,245,000 | +$895,000 |
2015 | $2,350,000 | Initial as-built value |
* In March 2021, the appraised value dipped by $430,000 showing the short-term impact of the Covid-19 pandemic on commercial real estate valuations. Due to Guelph’s strong economic factors, this has since recovered in the most recent December 2022 appraisal of $3,700,000.00 – providing increased value backing for our community bond holders. 10C community bonds (Series A through Series J) are fully backed by the real estate value of 42 Carden Street. Some bonds in Series K and all bonds in Series L are outside of the current appraised value.