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CNote 2.5% return?

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I was checking this company out that invests in CDFI's, looks like the return is not guaranteed. Anyone got experience here?

2.5% is a good return, whats the catch here?

https://www.mycnote.com/

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rated:
Not a bank, not FDIC insured. Probably not super-risky but if the economy goes south or mycnote goes bankrupt, you will lose your money. Frankly, for that level of risk, the return isn't high enough.

rated:
What's the liquidity like? Withdraw any time? FAQs don't cover that.

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why not do lendingclub instead?

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This is also not presently eligible to everyone.

CNote is currently only permitted to move money for accredited investors. Our mission in designing this product was to ensure all savers could earn more and contribute to social impact. To do this, our offering to non-accredited investors requires advance qualification by the SEC. We will keep you informed of any new developments as we continue to design a world where everyone can invest with their values.

You are classified as an accredited investor if you meet certain criteria such as having a net worth of at least $1 million, excluding the value of your primary residence, or having income at least $200,000 each year for the last two years (or $300,000 joint income if married) with the expectation to make the same amount this year.

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