Life, Compounded
Our shared vision drove us to develop the Unity High-Yield Managed Account (Unity HYMA)¹, which sits at the core of our investment offering. By invitation only, Unity HYMA is an innovative product that seamlessly combines a private credit investment platform that offers 15-25%² annualized interest deals and a liquid, FDIC-insured account that yields 3-4% per annum on cash³.
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This product empowers investors to optimize their allocation between credit investments and cash, thus providing a preference toggle between returns and liquidity.
By combining high-quality, rigorously diligenced private credit investments with the flexibility of a liquid cash component, all in one account, investors can compound wealth more effortlessly.
Even idle cash and monthly interest distributions continue to earn a competitive cash rate, enhancing overall yield without compromising liquidity.
In addition, we do everything with integrity. We believe that our investors should be treated with transparency, respect, and alignment. In particular, we strive to demystify investment black boxes and deliver unbiased, easy-to-understand insights to empower our investors to make their own decisions.
We are upfront about our fees, transparent about how we underwrite our deals, timely in our deal maintenance updates, and stubborn in aligning our interests with our investors.
¹All Unity HYMAs are brokerage accounts custodied by Percent Securities, LLC, an SEC-registered broker-dealer.
²Interest rates vary on a deal-by-deal basis and are not guaranteed.
³Subject to change depending on the Overnight Fed Funds rate and dependent on total account balance (private credit investment + cash deposit).
Simple and effortless investing
Step 1
After depositing funds, you will receive one high-yield private credit investment opportunity per month, carefully curated by Unity’s investment team
Step 2
Monthly or quarterly interest payments will be automatically deposited in your Unity HYMA
Step 3
The idle cash balance immediately earns a competitive liquid deposit interest rate of 3-4%
Product Overview
Private credit investment
Cash management
TARGET NET RETURN
15-25%¹
3-4%²
DURATION
3 to 24 months
Overnight
UNDERLYING ASSETS
Credit investments
Cash
DISTRIBUTIONS
Monthly or quarterly
Monthly
REDEMPTIONS
Upon exit
1 day on cash
MANAGEMENT FEES
Typically 1-2%
0%
CARRIED INTEREST
Typically 10-20%
0%
¹Interest rates vary on a deal-by-deal basis and are not guaranteed.
²Subject to change depending on the Overnight Fed Funds rate and dependent on total account balance (private credit investment + cash deposit).
To learn more about Unity HYMA or to become an investor,
please email us at investments@unityholdings.co.
Disclaimer: The information contained herein is for informational purposes only and is not intended as, and may not be relied on in any manner as legal, tax or investment advice, a recommendation, or as an offer to sell, a solicitation of an offer to purchase or a recommendation of any interest in any security offered by Unity Angels Management Inc., Cadence Group, Inc. (DBA Percent Technologies) or its affiliates (together ‘Unity and Percent’). The information is subject to change and may also be incomplete. Some data set forth herein has been provided by originating third parties. Unity and Percent believe that information to be reliable but does not assume any responsibility for the independent verification of such information and makes no representation, warranty or guarantee as to its accuracy or completeness. Therefore, Unity and Percent assume no liability for the information provided. Unity and Percent may have issued, and may in the future issue, materials that are inconsistent with, and reach different conclusions from, the information presented herein. Those materials may reflect different assumptions, views, and analytical methods and Unity and Percent are under no obligation to ensure that such other materials are brought to the attention of any user. Additional information is available upon request.