What if your investments could transform community?
Invest local. Earn local. Build local.
Since 2016, 10C’s community bonds have turned $2.75 million in community investment into about $90,000 a year in steady returns for our bondholders. These are returns you can count on, paired with social, economic, and cultural change that you can see and explore.
When you invest in a community bond, your money doesn’t drift off into a distant market. It stays here, in Guelph, Ontario, making 10C home to hundreds of local entrepreneurs and powering projects that change lives: Opening Opportunities, the Harvest Impact Community Lending Fund, the Nourish shared commercial kitchen, and programming that welcomes community members from every walk of life.
As a community bond investor, you earn a stable, fixed financial return while backing a tangible, income-generating real estate asset. But your investment goes further. It fuels meaningful, measurable social change, a core facet of community wealth building. Community bonds let you align your finances with your values, making them ideal for anyone who wants to keep dollars local, support non-profits, and build long-term community resilience.
By investing in 10C, you’re helping steward a major piece of community infrastructure that supports thousands of community members, changemakers, entrepreneurs, and non-profits every year.
Community Bond Availability:
10C first launched our real-estate backed community bond in 2015 to support the purchase and redevelopment of this landmark property at 42 Carden Street. These form part of the long-term capital financing for the property. Community bonds start at $1,000 with a 5 year term and are available for direct investment by individuals, businesses, non-profits and charitable foundations in Guelph and across Canada.
Community 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 K (4.0%) $10,000 minimum. Interest timing at your preference.
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 below and we will follow up with details.
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. It is important to note that some bonds in Series K and all bonds in Series L are outside of the current appraised value.