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Community Bonds

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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!

A person in a striped shirt and blazer opens the front door to enter 10C.

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:

DateValueIncrease / Decrease
2024$3,700,000No 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$2,350,000Initial 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.

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