Post by SecondMuse Capital

Access to stable, affordable spaces is one of the biggest barriers for small businesses. What if finance could change that? Through our Future Economy Lab, alongside Silver Lining, and with support from Wells Fargo, we designed the Collective Property Ownership Fund--a fixed-income product that blends debt instruments with community bonds to make equitable business spaces possible. Here’s what makes it different... ⚡ Pooled ownership + community governance: businesses aren’t just tenants, they’re stakeholders. ⚡ Risk-sharing: spreading resources across a portfolio makes long-term stability possible. ⚡ Aligned returns: investors gain transparency, fixed-income returns, and measurable social impact. We drew on insights from small business owners, financial institutions, and community stakeholders across the U.S. and globally to design a model that shifts property markets toward inclusivity. Our labs aren't a theoretical exercise. They show what's possible in future economies and how financial innovation can unlock economic resilience. 📌 A live, real-world example? Propolis Cooperative Housing Society in Kamloops, BC raised over CA$1.1M through community bonds to purchase land for affordable housing and local business space. Bonds delivered 2.5–3.5% returns while embedding cooperative governance. 👉🏽 Curious about how models like this could apply in your community? Let’s connect: [email protected] 💡 Don’t forget to subscribe to our monthly newsletter: this model was featured in September’s issue, and we’ll continue sharing innovative approaches from our repository of 100+ financial products. Head to our website to sign up: www.secondmusecapital.com #smallbusinesses #financialinnovation #futureeconomy #impactinvesting #innovativefinance #affordablehousing #propertyownership

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