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InNova Global Fund is the platform through which microlenders—both accredited and eligible retail participants—engage in microfinance and microlending opportunities in emerging markets. InNova works with established lending partners, enabling structured microlending activities designed and aimed to generate stable and sustainable returns.

InNova Global Fund operates as an independent investment vehicle under the Positiviti ecosystem. While Positiviti, Inc. serves as the financial facilitator, InNova Global Fund is the specific fund structure through which microlenders—both accredited investors and retail participants—can engage in microlending opportunities in emerging markets.

No. InNova Global Fund is an independent investment vehicle focused on regulated investment performance and risk-adjusted capital deployment. It operates separately from the Positiviti Foundation, which is the 501(c)(3) nonprofit organization focused on philanthropic and educational initiatives.

While both entities share a unified vision of global empowerment and financial inclusion, they function independently. InNova Global Fund focuses on investment performance and capital deployment for investors, while the Positiviti Foundation focuses on social impact, education, and community outreach programs.

InNova Global Fund offers two distinct participation pathways:

• 506(c) Offering: For accredited investors seeking larger investment opportunities with institutional-grade access
• Crowdfunding Initiative: For retail investors who want to participate in microfinance with lower investment minimums

Both pathways support the same mission of expanding access to responsible capital in emerging markets.

The 506(c) offering under Regulation D allows accredited investors to participate through a private placement structure. This pathway requires accreditation verification but provides access to larger investment opportunities and enhanced reporting.

The crowdfunding initiative enables retail investors who may not meet accredited investor requirements to participate in InNova Global Fund with lower minimum investments. This pathway democratizes access to microfinance investment opportunities while maintaining regulatory compliance.

Under SEC regulations, accredited investors include individuals with:

• Annual income exceeding $200,000 (or $300,000 jointly with a spouse) in each of the past two years with expectation of the same for the current year, OR
• Net worth exceeding $1 million (excluding primary residence), OR
• Certain professional certifications (Series 7, 65, or 82 licenses)

Entities such as trusts, LLCs, and corporations may also qualify under specific conditions.

As required by 506(c) regulations, InNova Global Fund verifies accredited investor status through third-party verification services, review of tax returns, financial statements, or letters from qualified professionals (CPAs, attorneys, registered investment advisors).

The minimum investment for accredited investors is $1,000. Investment tiers are structured as follows:

• $1,000 - $49,999: Earns 1%* per month (12%* APY)
• $50,000 and above: Earns 2%* per month (24%* APY)

*Rates and conditions are subject to change and are not guaranteed.

The crowdfunding initiative is open to retail investors age 18 and older who may not meet accredited investor requirements. This pathway allows broader participation in microfinance opportunities with accessible investment minimums.

The minimum investment for retail investors through the crowdfunding pathway is $1,000. Investment tiers are structured as follows:

• $1,000 - $49,999: Earns 1%* per month (12%* APY)
• $50,000 and above: Earns 2%* per month (24%* APY)

*Rates and conditions are subject to change and are not guaranteed.

Yes. Crowdfunding regulations establish investment limits based on annual income and net worth to protect retail investors. Specific limits will be detailed in the crowdfunding offering materials and depend on individual financial circumstances.

The crowdfunding initiative operates under applicable securities crowdfunding regulations, ensuring investor protections, disclosure requirements, and compliance with all regulatory standards for retail participation.

Yes. Through our partnership with Equity Trust, microlenders can use Self-Directed IRAs, including Traditional IRAs, Roth IRAs, and other qualified retirement accounts to participate in InNova Global Fund through either the 506(c) or crowdfunding pathway, subject to applicable verification requirements.

Provide appropriate return expectations and disclosure that past performance does not guarantee future results, pending your compliance requirements.

InNova Global Fund requires a 13-month initial commitment. Upon completion of the 13-month commitment, microlenders have four flexible options:

1. Full Reinvestment with Compounding: Take your principal and interest earned and compound for a second year, maximizing your returns through compounding growth.
2. Reinvestment with Monthly Disbursements: Take your principal and interest earned, compound for a second year, and begin receiving monthly interest disbursements with no fees.
3. Principal Reinvestment Only: Reinvest your principal for a second year while taking all interest earned from the first year.
4. Exit the Platform: Withdraw your principal and all earned interest and leave the platform.

Important Tax Note: Once you receive disbursements of interest earned, you will receive a 1099-INT form for tax reporting purposes. There are no fees for any disbursement options.

Investments in InNova Global Fund have a 13-month initial commitment period. After completing the 13-month commitment, microlenders gain flexibility with multiple options including:

• Full withdrawal of principal and interest (full liquidity)
• Partial liquidity by withdrawing earned interest while reinvesting principal
• Monthly disbursements with continued investment

There are no fees for withdrawals or disbursements after the initial 13-month commitment period. This structure balances the need for stable capital deployment in microfinance operations with investor flexibility.

InNova Global Fund focuses primarily on microfinance initiatives in Kenya and East Africa through the partnership with Afresa, which manages on-the-ground operations, borrower relationships, and loan servicing.

Afresa Sacco is the operating partner in Kenya that manages the microlending operations, borrower vetting, loan disbursement, collections, and portfolio management. Afresa Sacco has deep expertise in the Kenyan market and established infrastructure throughout the country.

Micro loans are provided to Kenyan entrepreneurs and small business owners who lack access to traditional banking services. Microenterprises include small shop owners, agricultural producers, artisans, and other small business operators building sustainable enterprises.

Afresa Sacco employs rigorous borrower vetting processes, including credit assessments, business viability reviews, and character references. The team leverages local market knowledge and established community relationships to identify creditworthy borrowers.

InNova Global Fund operates under dual regulatory frameworks: a Regulation D 506(c) offering for accredited investors and a crowdfunding initiative for retail investors. Both pathways maintain compliance with all applicable securities regulations and adhere to the highest standards of governance and transparency.

All microlenders receive regular updates on portfolio performance, microloan metrics, and fund operations appropriate to their investment pathway. Additionally, annual audit reports from Afresa Sacco provide comprehensive insights into operations and financial management.

All investments carry risk, including: borrower default risk, currency exchange rate fluctuations, political and economic instability in emerging markets, liquidity constraints, and the potential for loss of principal. The level of risk disclosure varies by investment pathway, with detailed information provided in the Private Placement Memorandum (506(c)) or crowdfunding offering documents. Microlenders should carefully review all applicable offering materials before participating.

For Accredited Investors (506(c) Pathway):

1. Complete the accredited investor verification process
2. Review the Private Placement Memorandum and all fund documentation
3. Complete the subscription agreement and enrollment process
4. If using retirement funds, establish a Self-Directed IRA account with Equity Trust
5. Fund your account and direct investment to InNova Global Fund
6. Receive login credentials to monitor your participation

For Retail Investors (Crowdfunding Pathway):

1.  Review the crowdfunding offering materials
2. Complete the enrollment process on our crowdfunding platform
3. Verify your investment limits based on income and net worth
4. If using retirement funds, establish a Self-Directed IRA account with Equity Trust
5. Fund your investment through the crowdfunding portal
6. Receive login credentials to monitor your participation