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Increase Your Monthly Cash Flow with Kindling

Updated: Apr 4


Are you looking for ways to boost your monthly income? Kindling offers a unique approach to private lending that can help you generate consistent cash flow. As a Capitol Building Partners Program, Kindling provides a platform for individuals, small businesses, and even large enterprises to participate in group lending notes, opening doors to opportunities typically unavailable when acting alone1.


What is Kindling?


Kindling is managed by Travis Fairbairn of 30 West Consulting. It's a program that allows a group of people to participate in a private lending note that produces monthly cash flow back to the lender1. By pooling resources, participants gain access to larger notes and better terms, similar to how a "big fish" operates in the financial world.


By pooling resources, participants gain access to larger notes and better terms, similar to how a "big fish" operates in the financial world.
By pooling resources, participants gain access to larger notes and better terms, similar to how a "big fish" operates in the financial world.

How Does it Work?

Here's a breakdown of how Kindling works:


  • Participation: You contribute a minimum of $5,000 to participate in a note, (with $25,000 being a popular amount). This contribution represents your pro-rata ownership of the note.

  • Cash Flow: You receive your portion of the cash flow from the note on a monthly basis via ACH.

  • Note Schedule: Kindling starts a new note roughly every 3 months. For example, a February (2025) note featured a 9.5% interest rate over 60 months, with potential profit bonuses expected to be paid out throughout the year. For example: A $10,000 investment in this note would yield $210.02 per month for 60 months, with the potential for higher payments during months with profit bonuses.

  • Community: Kindling leverages the power of community by bringing together individuals to create larger notes. This collective approach increases marketability and opens doors to unique cash flow strategies.


What Makes Kindling Different?

Kindling stands out due to its community-focused approach and the nature of its borrower. The borrower for Kindling notes is Crossroads Business Consulting (CBC).


Here's why this is significant:


  • CBC: A Trusted Partner: CBC is a trusted lending of The Community Corp (TCC) and naturally also of Capitol Building Partners. CBC has a focus on commercial real estate development, particularly in vacation real estate such as resorts, businesses, and vacation rentals.

  • Relationship-Based Lending: Kindling is built on a trusted relationship with CBC. This relationship has been cultivated over years, adding an element of trust and security to the lending process.

  • CBC's Financial Strength: CBC typically doesn't require investor money. The funds from Kindling notes are used to strengthen CBC's financial position and improve marketability for future credit facilities.

  • Not Tied to a Single Project: Kindling notes are not tied to the success of any single project. Payments are made from CBC's general cash flow.


Security and Flexibility

  • Backed by Cash: Your investment is secured by the cash itself, which sits on CBC's books. This cash acts as a guarantee of payment for CBC partner banks.

  • Early Exit Option: You can exit the note early and receive your principal balance back with just 30 days' notice.


Is Kindling Right for You?

If you're seeking a consistent monthly income stream and value a community-driven approach to investing, Kindling may be a good fit. It's particularly appealing if you're looking for an alternative to traditional investments and want to tap into opportunities that are typically reserved for larger players in the financial world.


Kindling is a Capitol Building Partners Program, managed by Travis Fairbairn of 30 West Consulting, backed by The Community Corp and TCC's landing partner, Crossroads Business Consulting (CBC).



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