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Phoenix Energy

Our Offerings

Fixed-rate bond and note offerings with term choices to match a variety of needs.
Simple, transparent, and structured.

Invest

Offerings

Choose monthly interest payments or monthly compounding of interest⁠1

Invest in Phoenix Energy. We offer fixed-rate bonds and notes to investors, with rates that vary by offering and term. Bonds and notes may be purchased with qualified funds, including some IRAs.⁠2

Built-In Flexibility⁠3

Flex

Registered Offering

$1K initial minimum

No accreditation required⁠4

Monthly payments or daily compounding interest⁠1

Review Prospectus
6.00%

Annual Interest Rate

3-Month Redemption Interval⁠3

6.25%

Annual Interest Rate

6-Month Redemption Interval⁠3

6.50%

Annual Interest Rate

9-Month Redemption Interval⁠3

6.75%

Annual Interest Rate

12-Month Redemption Interval⁠3

7.00%

Annual Interest Rate

18-Month Redemption Interval⁠3

Get Started

Accessible Fixed Rates⁠4

Access

Registered Offering

$5K initial minimum

No accreditation required⁠4

Monthly payments or monthly compounding interest⁠1

Review Prospectus
9%

Annual Interest Rate

3-Year Term

10%

Annual Interest Rate

5-Year Term

11%

Annual Interest Rate

7-Year Term

12%

Annual Interest Rate

11-Year Term

Get Started

Higher Rates per Maturity⁠5

Momentum

Private Placement Offering

$25K minimum

Accredited investors only⁠6

Monthly payments or monthly compounding interest⁠1

Review PPM
9%

Annual Interest Rate

1-Year
Term

10%

Annual Interest Rate

3-Year
Term

11%

Annual Interest Rate

5-Year
Term

12%

Annual Interest Rate

7-Year
Term

13%

Annual Interest Rate

11-Year
Term

Get Started
Request Offering Documents
Name

Footnotes

  1. 1 Cash Interest options pay interest monthly. Compound Interest options for the Registered and Private Placement Offerings compound monthly, with accrued interest added to the then-outstanding principal and paid with principal at maturity; Phoenix Flex Compound Interest Notes compound daily and pay principal plus accrued interest when redeemed or at maturity. Investors in compounding options may owe income tax each year on interest not yet received.
  2. 2 Withdrawing funds from a qualified plan such as an IRA, 401(k), or 403(b) may subject you to tax implications as well as penalties for withdrawing funds prior to age 59½. Please review your plan materials and/or contact your plan administrator for more information regarding tax considerations and possible penalties. If you decide to use funds from a qualified plan, your representative can assist you with the rollover process. A qualifying direct rollover may help avoid tax and penalty charges related to the transaction; custodian fees may apply. Please consult your tax advisor. If you are currently subject to Required Minimum Distributions (RMDs), please consult your tax or benefits advisor regarding how an investment with Phoenix may affect your RMD obligations.
  3. 3 Set Put Interval refers to the 3-, 6-, 9-, 12-, or 18-month interval selected when the Notes are purchased. The Set Put Date is the last day of each Set Put Interval. At a Set Put Date, Notes may be redeemed at 100% of principal plus accrued and unpaid interest. A request for redemption at a Set Put Date must be received at least 30 but no more than 45 calendar days before that Set Put Date (the notice window). If Phoenix Energy does not receive a valid redemption request by the applicable deadline, Phoenix Energy will be under no obligation to redeem the Notes on the next Set Put Date, and the Notes will continue. Redemptions on a Set Put Date are subject to Phoenix Energy’s senior debt agreements, and Phoenix Energy is not required to redeem Notes when prohibited by law or contract. Participants who miss the window can request early redemption, which is separate from scheduled redemption at a Set Put Date. Early redemption may be made at 95% of the aggregate principal amount of the Notes plus accrued and unpaid interest, subject to the terms, conditions, exceptions, a company-wide annual limit, and other limitations described in the applicable prospectus and offering documents. Phoenix Energy may not be able to satisfy early redemption requests in all circumstances. Please see “Risk Factors” in the Phoenix Flex prospectus for additional information.
  4. 4 Registered offerings will be subject to certain criteria, including objective financial suitability standards specific to each offerings and amount invested (see prospectus). Private placement offerings open to "accredited investors" only. Accredited investors as defined in Rule 501 of Regulation D includes individuals with a net worth over $1 million (excluding primary residence) or income over $200,000 (individual) or $300,000 (household) in each of the prior two years, with a reasonable expectation of the same in the current year. Learn more about accreditation requirements.
  5. 5 Comparison of base rates at the $25,000 minimum. Private Placement Cash and Compound Interest Bonds pay 9.0% (1-year), 10.0% (3-year), 11.0% (5-year), 12.0% (7-year) and 13.0% (11-year). Registered Offering Notes pay 9.0% (3-year), 10.0% (5-year), 11.0% (7-year) and 12.0% (11-year). Private Placement Bonds are available only to verified accredited investors and are unsecured. Rates are not a guarantee of return.
  6. 6 The Private Placement Offering (Regulation D) is exempt from the registration requirements of the Securities Act and only “accredited investors,” as defined in Rule 501 of Regulation D, may invest in such offerings. Accredited investors are defined as individuals with a net worth over $1 million (excluding primary residence) or income over $200,000 (individual) or $300,000 (household) in each of the prior two years, with a reasonable expectation of the same in the current year. Learn more about accreditation requirements. Please refer to the Company’s filings with the SEC. To participate in the Registered Offering, investors do not need to meet these accreditation requirements. For Rule 506(c) offerings, accredited status must be verified.