Ginkgo Notes is a private debt offering designed to give investors a flexible, fixed-income alternative to traditional savings or CD products by providing access to short-term, unsecured notes backed by Ginkgo’s multifamily real estate platform. The program lets investors put capital to work with regular maturities (1, 3, 6 and 9 month terms) and the ability to roll proceeds into future series, while the issuer deploys the proceeds toward acquisition and enhancement of multifamily projects, development activity, and joint venture capital needs. Designed for liquidity-minded investors seeking predictable income alongside real-estate-linked deployment, the notes are issued at par with no direct fees and are supported by the company’s operating cash flow and capital management strategies, offering a way to align investor cash management with an active commercial real estate investment strategy.