What is Kindling?
Kindling is a community-based cash flow platform that allows individuals to participate in private lending notes that generate monthly amortized cash flow. It was created to solve a critical financial issue—the need for consistent, recurring cash flow. Unlike traditional investments that may take years to mature, Kindling provides participants with monthly payouts that they can immediately reinvest into other financial ventures, businesses, or personal needs.
Kindling - a 30 West Program
What problems does Kindling solve for you?
Lack of Reliable Cash Flow: Having consistent, reliable monthly cashflow gives us options and allows us to plan ahead. Kindling allows members to receive monthly income while still growing their financial position.
Inefficiency of Individual Lending: It can be challenging for individuals to find, vet, and originate lending notes. Kindling streamlines this by pooling resources and originating notes on behalf of the entire community.
1mil+
In just 3 notes
52+
positions
34+
Current participants
750mil+
Corporate backing
How does it work?
Members contribute a minimum of $5,000, with popular participation amounts ranging from $10,000 - $25,000. Their contribution represents pro rata ownership of a community-funded lending note. The note generates monthly amortized cash flow, which is ACH deposited into the member’s bank account.
What are the repayment Terms?
Duration: 60 months (5 years)
Interest Rate: 7.5% - 11% amortized
Profit Bonuses: Occasional additional payouts
For example, a $10,000 contribution at 9.5% over 60 months would yield $210.02 per month in recurring payments.
What is the borrower using the funds for?
The borrower, Crossroads Business Consulting (CBC), does not use these funds for operations. Instead, the capital sits on CBC’s balance sheet, improving its financial standing and enabling larger credit facilities for future growth. The cash flow used to repay the note comes from CBC’s ongoing revenue, not from the borrowed capital itself.
Who is CBC - and The Community Corp?
Kindling operates within The Community Corp (TCC) ecosystem, meaning it is not a conventional investment based on speculation or volatile markets.
Instead of individuals seeking and managing their own lending notes, Kindling aggregates community capital into larger amortized notes, making it more appealing to financial institutions and allowing for greater leverage and marketability. Participants benefit from predictable, structured payments while the borrowing entity, Crossroads Business Consulting (CBC), benefits from improved credit facilities and financial flexibility.
Kindling vs. Investing Alone
Traditional investors operate individually, limiting their financial influence.
By pooling capital into a single lending note, Kindling participants:
Gain access to higher-value financial transactions typically reserved for institutional investors.
Increase their marketability with banking institutions.
Improve their capability to leverage future opportunities within CBC and TCC.
Our Clients Say About Us
"Got my payments as well. Kindling has been great and I love the direct deposit!"
Jeff Diestler
"Travis at 30 West has consistently provided sound advice, and given strong returns with Kindling. "
Haley Davidshofer
About Travis Fairbairn
Like many, I started by investing in single-family rentals. But over time, I discovered that my real passion and skills aligned with the world of finance—particularly banking.
Several years ago, I was introduced to the people behind The Community (TCC & CBP), who would eventually become my partners. From the start, I deeply connected with the mission and values of The Community. If I had to sum up our purpose in a single question, it would be this:
How can we harness the power of banking to create real change for communities of people?
Email me: [email protected]
FAQS
What are the terms of a Kindling Note?
7.5-11% amortized over 5 years plus an occasional profit bonus over and above the regular
payment
Who is the borrower?
Our borrower is a company that is closely related to TCC, owned by TCC’s Chief Consultant,
Crossroads Business Consulting. This entity has a focus on commercial real estate development,
particularly in the arena of vacation real estate such as resorts, businesses, and vacation rentals
What makes our cash safe in Kindling?
If you have ever heard the phrase “banks loan money to people who don’t need it”. That is CBC.
CBC does not normally need or take investor money. However in an effort to grow the TCC
Community and create opportunities for that community, we have developed Kindling for
people to participate in real estate projects inside of CBC via a note. And our notes are not tied
to the success of any single project. Our notes are to CBC as a whole, and are paid out, out of
CBC’s general cashflow.
What is our note investment backed by? What is my recourse?
Our notes are backed by the cash itself that was sent to CBC. Because unlike most investments, your money is not spent on operational business. In fact its not spent at all. It sits on CBC’s books to act as a guarantee of payment for CBC partner banks. It is simply there to improve the financials of the company for future credit facilities. They payments back to us are an offset of future taxable events inside of CBC. Those payments to us also create stronger marketability for CBC.
And more importantly than what the note is backed by…. It’s the relationship itself that is
invaluable. Our borrower is a very trusted and respected partner. It has taken years to develop this level of trust, and Kindling is an effort to allow others to tap into the value of this relationship that has been built. If you have ever heard the saying “a good deal with the wrong person is a bad deal. But a bad deal with the right person will end up being a good deal”.
Kindling prioritizes working with the right person.
Can I exit early if I want to?
Because our cash sits liquid in CBC, yes you can exit with your principal balance at any time. We only need 30 days notice to liquid your position in the note.
How do I receive payments each month?
Kindling services the notes on behalf of a group of people. CBC writes a check each month to
Kindling, who then cashes the check and uses ACH to direct deposit your pro rata portion of the
cashflow into your bank account
