Webinar Replay – learn more about Outcomes Strategy, a managed account option where edly allocates invested funds across ISA pools for a diverse mix of schools, industries, and geographies.

Earn monthly income while supporting students

Income Share Agreements (“ISAs”) are a fast-growing alternative to private student loans. The edly ISA marketplace makes it easy for accredited investors to invest in this growing market.

Investment Characteristics

Diversification

Investors get access to “shares” of pools of income share agreements (ISAs). Pools are diversified, containing cash flows from a variety of ISA contracts that will earn payments from a number of different student obligors.

Monthly Cash Flow

Investors earn a fixed minimum return while students are still in school, and receive distributions on a monthly basis.

Aligned Incentives

Schools are incentivized to ensure that students meet certain milestones like graduation and employment

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edly bridges the gap between Schools and ISA investors.

More About Investing on edly

Investment Philosophy

edly seeks investments in ISAs which we believe are likely to produce high risk-adjusted returns for investors while also providing access to education for promising students.

Our approach is systematic and can be applied to any higher education program. Our screens typically only allow us to invest in the best 20% of the possible higher education programs.

edly analyzes the historical outcomes of students as captured in data about the schools, the area of study, and geography. We look for an attractive relationship between the tuition of the program and the student outcomes. The higher the “ROSI” (Return on Student Investment) the more attractive it is to edly.

Important historical outcomes we consider include:

•Graduation Rates

•Time to employment

•Starting Salaries

•Salary Increases over time

edly works with the schools to ensure there is alignment of interest among schools, students, and investors. We should all succeed if students succeed.

edly seeks high impact investments – we believe that students of all backgrounds can be successful with the right access to education and resources and therefore we will NOT use wealth-based credit scores such as FICO. We believe our own methods are more predictive of success than credit scores.

Types of Schools We Like

Ways Investors are Protected

Universities
The top 20% of universities offer good investment value. We then look further for programs which have very high ROSI or ones which have a very high social impact. We make it clear to investors which metrics apply to which programs in our offerings.
Technology / Computer Programming
There is a significant shortage of workers with computer skills compared with the demand for them. A niche industry has built up to train qualified students in the latest coding languages. Upon successful completion of these programs, graduates typically have success finding good paying jobs in the technology industry. Because these programs are very focused, they are short and the tuition costs are low compared with the student salary outcomes.
Industrial Skills
There is a massive shortage of skilled technical workers in a variety of industrial sectors including Welding, Automotive Repair, Electricity, Airplane Manufacturing, HVAC, Pipefitting, and more. Completion of a top program is highly likely to result in high-salary employment.
Healthcare
This high growth sector is constantly in need of all kinds of skilled workers and workers can continuously improve their salaries by adding more skills and certificates. Skilled healthcare workers are very employable.

Direct Investment in the Assets
edly makes investments in the actual ISA assets (contracts with the students) or in loans to schools backed by ISA assets. This gives us the contractual right to the cash flows generated by the students upon employment.
Experienced ISA Servicers
edly hires a Servicer who collects the payments from the students. edly only works with servicers it believes can effectively service the assets.
School ‘Skin in the Game’
edly insists on school “skin in the game” – we will only make partial advances to schools and then our investors are in a senior position to the schools until investors have received a preferred rate of return. In order for the schools to get their full tuition, students must have good outcomes and investors must have good investment returns. Schools with poor outcomes are avoided or removed from our program.
Bankruptcy Remote Structure
Investments are held in a bankruptcy-remove vehicle and edly never holds investor cash. Cash returns from investments are distributed to investors monthly.
Monthly Distribution Reporting
Investors receive monthly statements of their investment returns and they may view their historical statements at any time on the edly platform using their secure login credentials.

Sample edly Offering

CONTACT INFO

edly LLC | 555 Pleasantville Road, Suite N202 | Briarcliff Manor, NY | 10510
Phone: (914) 775-8299 | Email: info@edly.info

DISCLAIMER

From time to time, edly will make opportunities for investments in ISAs available to investors who are qualified as “Accredited Investors” (as defined below) and who have expressed an interest in learning about such investment opportunities. No investment opportunity is being offered at this time by edly and all prospective investors will be given opportunities in the future after verification of their status and an expression of specific interest.

When investment opportunities are being offered, a Confidential Private Placement Memorandum (a “PPM”) will be furnished to approved investors on a confidential basis. Sales of the securities may not be consummated unless prospective investors are provided with a PPM. In particular, you should carefully read the “Risk Factors” set forth in the PPM.

The information contained in the PPM may not be provided to persons who are not directly concerned with an investor’s decision regarding the investment offered hereby. Investors should make their own investigations and evaluations of any securities offered. The securities, when offered, will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any other securities laws. They will be offered for investment pursuant to the exemption from registration provided under Section 4(a)(2) of the Securities Act and exemptions from the registration requirements of applicable state securities laws only to persons who are “Accredited Investors,” as defined in Regulation D under the Securities Act. There will be no public market for the offered securities.

This website, and the information being provided to prospective investors at this time, is not an offer to sell or a solicitation of an offer to buy any securities that may be offered in the future by edly, nor shall any such securities be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.

ANY SECURITIES OFFERED BY EDLY WILL NOT HAVE BEEN RECOMMENDED BY THE U.S. SECURITIES AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION OR REGULATORY AUTHORITY.

ANY SECURITIES OFFERED BY EDLY WILL BE SUBJECT TO RESTRICTIONS ON TRANSFERABILITY AND RESALE, AND MAY NOT BE TRANSFERRED OR RESOLD EXCEPT AS PERMITTED UNDER THE SECURITIES ACT AND APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR AN EXEMPTION THEREFROM. INVESTORS SHOULD BE AWARE THAT THEY MAY BE REQUIRED TO BEAR THE FINANCIAL RISKS OF THEIR INVESTMENT IN THE SECURITIES FOR AN INDEFINITE TIME.

CERTAIN INFORMATION CONTAINED IN THIS WEBSITE AND IN THE PPM TO BE DELIVERED IN THE FUTURE CONSTITUTES AND WILL CONSTITUTE “FORWARD-LOOKING STATEMENTS,” WHICH CAN BE IDENTIFIED BY THE USE OF FORWARD-LOOKING TERMINOLOGY SUCH AS “MAY,” “WILL,” “SHOULD,” “EXPECT,” “ANTICIPATE,” “ESTIMATE,” “INTEND,” “CONTINUE” OR “BELIEVE” TO THE NEGATIVES THEREOF OR OTHER VARIATIONS THEREON OR COMPARABLE TERMINOLOGY. DUE TO VARIOUS RISKS AND UNCERTAINTIES, ACTUAL EVENTS OR RESULTS FROM THE ACTUAL PERFORMANCE OF THE SECURITIES MAY DIFFER MATERIALLY FROM THOSE REFLECTED OR CONTEMPLATED IN SUCH FORWARD-LOOKING STATEMENTS.