Worthy Financial is a Title III - Regulation Crowdfunding Campaign and is actively accepting investments.
$250.00 minimum investment

Worthy Financial

Helping to Save and Grow Your Money

Small OPO
Boca Raton, FL
Financial Services
Accepting International Investment
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You're Worthy of a Better Return

Join us in changing the face of finance.

We’re on a mission to help people painlessly save and grow their money – and to do it in a way that better aligns with their values and lifestyle.

People are WORTHY of a better return, a more level investment playing field, and a more secure financial future so we are working to make that happen. We do this by bringing higher-yielding alternative investments to the masses and helping them painlessly build a nest egg. The investment type we offer was previously only open to the wealthy but we used new securities laws in an innovative way to bring our product - a $10 dollar, 5% interest earning bond -  to the mainstream consumer. Isn't it time that the 98% have a better way to save?

We designed our product to fit into our customer's lives by providing 3 easy ways to buy the bonds.  Bonds can be purchased "on demand" by simply clicking the "buy bonds" button in our app, by scheduling a recurring "set it & forget it" monthly investment, or by participating in our "round-up" program which tracks the spare change from our client's everyday purchases (rounding-up every transaction they make to the next whole dollar amount) and when this amount hits $10.00 a bond is added to their portfolio. Our "Worthies" are tucking money away - and growing it at a fixed  5% - in the background of their lives!

Our primary customers are those who are anxious about their financial future - whether it is the 1 in 3 Americans not saving for retirement or the 46% who struggle to have $400 on hand for an emergency (Federal Reserve Economic Wellness survey).  We are also focused on helping millennials as they face a changing employment landscape in which on-demand, "gig economy" jobs make it hard to save money as they do not offer a financial safety net such as employer sponsored savings programs.

So help us make the world a better place...where money works for everyone.

The Offering

$5/share of Common Stock│When you invest you are betting the company’s future value will exceed $6M

For details on the bonus, please see the Offering Summary below.

At Worthy we believe that the 98% are worthy of a more secure financial future.

- Sally Outlaw, Worthy CEO

Sales Are Growing!

After 9 months of successfully navigating through the SEC review process, our Worthy bonds were qualified for sale earlier this year.  Sales have been growing "up and to the right" ever since! Now we just need the fuel to fund a robust marketing budget to spread the Worthy word!

It's clear from our initial sales that we have product-market fit - when prospects get introduced to Worthy, they join and buy bonds!  (Don't feel left out - you can buy them too at worthybonds.com!)

Our Worthy milestones:

  • First capital raised after successful MVP (minimal viable product)
  • Technology & operations teams hired
  • Bonds qualified by the SEC 
  • Bond sales and management platform built & launched
  • Mobile apps available in app stores
  • Month over month user growth 
  • More than $1,000,000 in bond sales first 6 months

We have built our proprietary bond management platform, had our bonds qualified for sale by the SEC, and we are launched and selling to the public... given our product, team, market, and early traction, we are an exciting investment prospect!

Meet Worthy

How Does It Work?

Worthy is a mobile app that helps users gather and grow a nest egg by rounding up their daily purchases and investing this spare change into a 5% interest earning bond.

As an alternative to stocks and low interest savings accounts, Worthy offers a proprietary, SEC registered bond. Priced at just $10, everyone has the chance to start building an emergency fund or nest egg. By enabling users to automatically micro-invest while they shop (via round ups), Worthy offers an easier way to invest and make an impact – without users having to alter their habits or behavior. Worthy empowers a new generation of investors to get the growth, yield and access to innovation they deserve.


In addition to the returns generated to Worthy users from the 5% interest paid, Worthy seeks to grow users’ portfolios by partnering with merchants and having those merchants contribute cash back to our users when they shop. Participating merchants will benefit from this cash back/loyalty program while Worthy users will literally be investing in themselves every time they swipe their debit or credit card.

Along with offering an attractive yield to all classes of investors, the Worthy bond proceeds are used to provide asset-backed loans to America’s growing businesses – the backbone of the US economy. This provides solid returns and a lower risk profile than traditional loans and other investment instruments. People are worthy of a better and more secure return, and we are dedicated to making that happen by bringing institutional quality investments to the masses.

Not only can Worthy help users grow their money, but we can save them money if they ever need to borrow by linking them to lower rate loans from peer-to-peer lending marketplaces. Whether the capital is for consolidating debt, home improvement, or refinancing student loans, these online marketplaces offer borrowers a lower cost of credit as they forego the complexity and overhead of traditional banks.

Worthy highlights:

  • We provide access to higher-yielding alternative investments to all
  • We offer a proprietary SEC qualified financial product
  • We pay a generous 5% fixed annual interest
  • We only do the most secured lending (inventory and receivables) with our bond proceeds
  • Our savers can micro-invest with as little as $10.00
  • 3 easy ways to buy - including rounding-up spare change
  • Community capital - bond sales support our fellow humans

Invest with purpose. It's time to use our money and direct our investments to help shape the world we want to live in.  We at Worthy are working to change the face of finance as we believe everyone is worthy of economic security.

Why We Are a Worthy Offering

Worthy combines a unique financial product (our 5% interest bearing bonds) with an inventive delivery tool (our round-up app) making it easy for anyone to save.  

Our bonds are one of the few, higher-yielding financial products open to the retail investor that boosts Main Street not Wall Street - therefore offering a social return in addition to a financial one.  We are also fee free...we know you have better things to do with your money!

Additionally, unlike most other investing apps, we own the underlying financial vehicle, the 5% bond.  This is a proprietary product that we engineered and successfully qualified with the SEC via a 9 month process so this provides a bit of a barrier to entry to other competitors given the time, costs, and challenges of getting a product through the SEC registration process (each offering is unique and never guaranteed to be qualified). 

We also built our own technology platform for handling the digital bond management and sales which adds additional value to our venture. Give it a try at worthybonds.com!


Worthy's proprietary bonds are only $10.00!

Painlessly Save

The Worthy app rounds-up every purchase you make and invests the spare change.

Large Market 

75 million millennials needing to save...and 47% of Americans don't even have $400 for an emergency.

Generous Interest

Fixed 5% annual interest to grow that nest egg fast!

Alternative Investments Go Mainstream

Alternative investments are rapidly moving into the mainstream. Retail investors, confronted with volatile financial markets and the underfunding of their own retirements, are now following the path blazed by wealthy individuals and institutional investors in seeking a better financial return. These classes of investors had access to a variety of higher-yielding, investment opportunities that the masses were not allowed to have - such as stock in growing private companies and lending money to creditworthy consumers or businesses. This changed with the passing of The JOBS ACT in 2012, which altered long-standing securities laws and opened up these types of alternative investments for the rest of us.

Fueled in part by these new laws, a distrust of old guard financial institutions, and investors growing desire to have their money make a social impact, we believe both borrowers and investors are flocking to alternative, and more community focused, financial products to meet their capital needs and to diversify their portfolios. PriceWaterhouseCoopers projects investor allocation to alternatives will grow nearly 10% a year, reaching $13 trillion in volume by 2020.  Worthy is already playing a part in this historical shift.

Bottom line is the 98% need a more stable financial return and Worthy has created a product to help.

Why Alternative Investments Are Worthy

According to most investment advisors, one of the important rules of portfolio management is to combine assets that make money independently and don't correlate with one another.  Having investments in areas that react differently to the same event (such as a political development or a new tax proposal) can balance an investor's risk and protect against loss.

Investors Need Diversification.  A blended portfolio of traditional (such as stocks) and alternative investments (such as real estate, precious meals, private lending, etc) offers benefits in performance and a reduction in volatility.

Portfolios Need Non-Correlation. To protect from market swings, investors need assets in their portfolios that don't directly correlate to movements in traditional investments such as stocks and ETF's.

Since diversifying investments across asset classes can improve your chances of not losing your money (SEC, investor.gov), Worthy's fixed interest bonds can be a good addition to a diverse portfolio.  And...they are bonds that act more like a savings account as funds can be deposited into or withdrawn from Worthy accounts at any time without fees or penalties.

We Are a Worthy Team

We are all in this for the right reasons so we are motivated and passionate about addressing the problem and about helping our clients thrive.  Aside from this, we have backgrounds that align with our product - including the fact that the founder is a registered investment advisor and pioneer in the online capital/crowdfunding industry. Our management team also includes a securities lawyer and former investment banker,  However it's the team's intangible assets that ensure our ability to execute successfully - such as character, integrity, sincerity, creativity,humor, tenacity, and problem solving. And we have strong chemistry as a team.  We eat, sleep and breathe this product and mission and will not stop until Worthy is in everyone's hands!

We also believe in treating our customers with transparency & respect -- hence this recent comment from one of our users:

"Sally, I really appreciate your direct communication with me on my questions. It makes the experience feel more personal and makes me feel as if I am not forgotten, especially coming from someone of your position within the company. Not many businesses will take the time to do that with their clients these days. So, for that, I say thank you..again and again!"

Be a part of what's next!

Worthy Causes

We have heard from a number of non-profits that Worthy is the perfect solution for painless fundraising as supporters can use our free round-up app to help fund the causes they care about with every purchase they make. Not only can the participating non-profits benefit from the accumulated rounded-up spare change but the bonds bought with that change grows at 5%!  A great return for great causes!

Given the interest from charities and others wanting to use Worthy as a funding tool, part of the proceeds from this raise will go towards the development of a Worthy Causes version of our current mobile app.

A Worthy Retirement!

We hear it all the time - start saving early for retirement. But few of us are able to given the demands on our income (including those student loans!). Worthy wants to help our users to at least start tucking away whatever they can, even if it's $10.00 at at time...it does add up!

In order to allow for tax-advantaged savings for our users we need to integrate our platform with the service providers such a custodians that enable us to open retirement accounts. This is another aspect on our Worthy roadmap that your investment will help make possible!

Invest in Our Company Today!

Join Us in Offering Economic Opportunity for All

We want to help lift the financial burden off those who suffer from this stress. One of the few ways to grow a financial cushion is through access to higher-yielding investment returns but we believe these asset classes are normally only reserved for the wealthy so we used new securities regulations to create a product that would be open to ALL. This is also about fairness - for 80 years the securities laws kept the 98% from accessing opportunities for real financial growth. 

We invite you to join us on our mission to create a more equitable economy.

In the Press

Renaissance of the Retail Investor
April 1, 2018

The automation of “micro-alternative investing,” coupled with a more inclusionary regulatory regime, has the potential to serve a limitless number of investors. This formidable combination also has the power to attract first-time investors and create new and grander distribution channels.

January 21, 2018

Each week, FinTekNews features a thought leader within a unique sector of fintech and asks them to answer just 3 questions for their audience.

Offering Summary

Maximum 21,400* shares of common stock ($107,000)

*Maximum subject to adjustment for bonus shares. See 10% Bonus below

Minimum 2,000 shares of common stock ($10,000)

Worthy Financial, Inc.

Corporate Address
4400 N. Federal Hwy. Suite 210-12, Boca Raton, FL 33431

Description of Business
Worthy Financial is a Fintech company providing financial products and services to Millennials and other population segments making up the 98% of unaccredited investors unable to access savings and investment products. Savings is primarily by use of a mobile app that "rounds up" credit and debit card purchases to the next higher dollar until the round ups reach $10, at which time the user, purchases a $10, 5% interest bearing SEC qualified bond. An investor can also purchase a $10, 5% bond independent of the app.


Type of Security Offered
Common Stock (the "Shares"),
Purchase Price of Security Offered

Minimum Investment Amount (per investor) 

The 10% Bonus for StartEngine Shareholders

Worthy Financial, Inc. will offer 10% additional bonus shares for all investments that are committed by StartEngine Crowdfunding Inc. shareholders (with ≥ $1,000 invested in the StartEngine Reg A+ campaign) within 24 hours of this offering going live.

StartEngine shareholders who have invested $1,000+ in the StartEngine Reg A+ campaign will receive a 10% bonus on this offering within a 24-hour window of their campaign launch date.  This means you will receive a bonus for any shares you purchase.  For example, if you buy 100 shares of Common Stock at $5 / share, you will receive 10 bonus shares, meaning you'll own 110 shares for $500.   Fractional shares will not be distributed and share bonuses will be determined by rounding down to the nearest whole share.

This 10% Bonus is only valid for one year from the time StartEngine Crowdfunding Inc. investors receive their countersigned StartEngine Crowdfunding Inc. subscription agreement.

Irregular Use of Proceeds

The Company will not incur any irregular use of proceeds.

Show More
Most recent fiscal year-end:
Prior fiscal year-end:
Total Assets
$297,644.00 USD
$37,562.00 USD
Cash And Cash Equivalents
$284,872.00 USD
$23,510.00 USD
Accounts Receivable
$0.00 USD
$0.00 USD
Short Term Debt
$95,178.00 USD
$118,407.00 USD
Long Term Debt
$25,000.00 USD
$0.00 USD
Revenues And Sales
$0.00 USD
$0.00 USD
Costs Of Goods Sold
$0.00 USD
$0.00 USD
Taxes Paid
$0.00 USD
$0.00 USD
Net Income
-$349,984.00 USD
-$120,923.00 USD


A crowdfunding investment involves risk. You should not invest any funds in this offering unless you can afford to lose your entire investment. In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering, including the merits and risks involved. These securities have not been recommended or approved by any federal or state securities commission or regulatory authority. Furthermore, these authorities have not passed upon the accuracy or adequacy of this document. The U.S. Securities and Exchange Commission does not pass upon the merits of any securities offered or the terms of the offering, nor does it pass upon the accuracy or completeness of any offering document or literature. These securities are offered under an exemption from registration; however, the U.S. Securities and Exchange Commission has not made an independent determination that these securities are exempt from registration.


Notice of Material Change in Offering

8 hours ago

[The following is an automated notice from the StartEngine team].

Hello! Recently, a change was made to the Worthy Financial offering. Here's an excerpt describing the specifics of the change:

Extending campaign by 60 days.

When live offerings undergo changes like these on StartEngine, the SEC requires that certain investments be reconfirmed. If your investment requires reconfirmation, you will be contacted by StartEngine via email with further instructions.

Notice of Funds Disbursement

5 days ago

[The following is an automated notice from the StartEngine team].


As you might know, Worthy Financial has exceeded its minimum funding goal. When a company reaches its minimum on StartEngine, it's about to begin withdrawing funds. If you invested in Worthy Financial be on the lookout for an email that describes more about the disbursement process.

This campaign will continue to accept investments until its indicated closing date.

Thanks for funding the future.


Worthy CEO presenting at The Money Show

9 days ago

Our CEO, Sally Outlaw, was selected to present a 45 minute workshop on "Alternative Fixed-income Products for All Investors" at the upcoming Money Show in Orlando. She will be discussing how private debt is used to lessen portfolio volatility and to generate a steady stream of returns.  Feel free to stop by to meet Sally and to learn how investors in products like our Worthy bonds are enjoying strong risk-adjusted returns!

unbound Miami was a success!

19 days ago

We enjoyed being showcased at the Unbound innovation event in Miami this week - of course we couldn't resist being Worthy Witches since the event ended on Halloween!  We are also happy to report we have signed referral partnerships with 6 new personal finance sites who will be writing about us and sharing our 5% interest earning bonds with their readers so our growth continues!

Worthy selected as one of America's Hottest Tech start ups!

about 1 month ago

We were fortunate today to learn that we have been selected by the folks at Unbound - a two-day celebration of innovation, technology and creativity - as one of America's hottest start ups. As a result, we were awarded a free, prime exhibition booth at their upcoming 4,000 person event in Miami...along with other perks!  We will be part of a special area called "The unbound50 Zone" which will showcase 50 of the most exciting and promising startups from across various verticals and industries from The Americas. The unbound50 Zone will provide a platform for not only the featured entrepreneurs, but also corporate innovators to network and connect with the right partners for growth and collaboration. Startups will have the opportunity to meet with and pitch to brands, corporations and investors across two days of buzzing activity in the startup bazaar. We are grateful for the recognition and look forward to being showcased there later this month!

We're back and continuing our rapid growth!

about 2 months ago

So after hitting our initial $107,000 Start Engine funding target so quickly, we decided to expand the goal and continue to allow the public to buy Worthy shares. We had to put the campaign in "pause" mode while the independent CPA financial review was done (to comply with SEC rules) and that is now completed so we are accepting investments once again for our campaign!  While we were in "pause" mode we hit over 1 million in bond sales and exhibited at FinCon in Orlando, introducing Worthy to a terrific audience of financial influencers, bloggers, podcasters and partners who will help us to continue our growth!  Thanks again to all who support us - we look forward to welcoming more new shareholders! 

Notice of Material Change in Offering

about 2 months ago

[The following is an automated notice from the StartEngine team].

Hello! Recently, a change was made to the Worthy Financial offering. Here's an excerpt describing the specifics of the change:

Worthy Financial, Inc. has updated their maximum funding amount and extended their campaign.

When live offerings undergo changes like these on StartEngine, the SEC requires that certain investments be reconfirmed. If your investment requires reconfirmation, you will be contacted by StartEngine via email with further instructions.

Notice of Funds Disbursement

3 months ago

[The following is an automated notice from the StartEngine team].


As you might know, Worthy Financial has exceeded its minimum funding goal. When a company reaches its minimum on StartEngine, it's about to begin withdrawing funds. If you invested in Worthy Financial be on the lookout for an email that describes more about the disbursement process.

This campaign will continue to accept investments until its indicated closing date.

Thanks for funding the future.


We reached our goal!!

3 months ago

MASSIVE thanks to all of our new Worthy shareholders...we have reached our initial crowdfunding goal of $107,000.  There are so many exciting things ahead and we look forward to having you all along for the ride!

We crossed $100,000! Our shareholders rock!

3 months ago


We've surpassed $750,000 in bond sales!

3 months ago

Fast growth continues at Worthy...we are helping more and more people painlessly build their nest egg!  We are grateful for the continued support of our shareholders and bondholders!  The 98% are WORTHY of a better return and we are making it happen with your help!  The more shares we sell, the more working capital we have to support our growth so thanks again for joining us on this journey!

Notice of Funds Disbursement

3 months ago

[The following is an automated notice from the StartEngine team].


As you might know, Worthy Financial has exceeded its minimum funding goal. When a company reaches its minimum on StartEngine, it's about to begin withdrawing funds. If you invested in Worthy Financial be on the lookout for an email that describes more about the disbursement process.

This campaign will continue to accept investments until its indicated closing date.

Thanks for funding the future.


We've been selected as a 36/86 FedEx Global Entrepreneur

3 months ago

Worthy has been selected and sponsored by FedEx as a "Global Entrepreneur" to participate in LaunchTN - the Southeast's premier gathering of founders, investors and potential partners! Taking place at the end of this month in Nashville it will give us the chance to have meetings with "movers and shakers" to build relationships that will help grow our company. Nashville here we come!

Surpassed $500,000 in Bond Sales

4 months ago

We reached a new milestone over the weekend...we surpassed $500,000 in sales!  Thanks for believing in and supporting us and our mission of economic opportunity for all!  With your help we are growing fast (over 1800% last month)!  Our Worthy bondholders and shareholders are THE BEST!

You're awesome and 1:00 EST

4 months ago

Just wanted to thank everyone who has become Worthy shareholders thus far - you are making amazing things happen with your support and showing you believe in economic opportunity for all!  We launched our first referral partnership 2 weeks ago and it has made our growth soar so we are excited to see so many new bondholders coming aboard!  If you'd like to ask us any questions, we are participating in the Start Engine Demo Day today and our slot is just after 1:00 EST so feel free to tune in!  Here is the RSVP link - https://startengineinfo.typeform.com/to/AExx3A

You, our shareholders, make our product possible. See this amazing note from one of our customers.

4 months ago

Our CEO was just profiled as a female disruptor in finance

4 months ago

Some nice media coverage on our founder as part of an interview series on female disruptors. She is a TRUE Outlaw!


Thanks everyone!

4 months ago

Great momentum - surpassed $40,000 in first week

4 months ago

We are incredibly thankful that so many people have found our investment so worthy!  We are happy to see that we are closing in on the halfway point to our funding goal this early AND happy our new shareholders have joined us in ensuring economic opportunity for all! Nice to also be recognized today by Crowditz as a "hot" campaign!  https://www.crowditz.com/2018/07/worthy-financial-on-startengine/  Thanks again to everyone for their amazing support! Please continue to share our link with those you think may have interest.

We blew past our minimum goal

5 months ago

Hi everyone!

Sally here, Founder and CEO of Worthy Financial.  I just wanted to thank everyone for your interest in and quick support of our Worthy venture! We surpassed our minimum goal in just a few short hours and we look forward to continuing the climb! We are really proud of the work we do to open up economic opportunity for all and I'm happy you are joining our journey!  Feel free share our campaign with anyone you think may have interest and enjoy the upcoming 4th of July holiday!

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