Worthy FinancialReviews of worthybonds.com

Response from Worthy FinancialSep 24, 2025

Hi Ryan. While the original terms allowed for liquidity, each investor was required to consent to the bond purchasing agreement, which clearly outlined that repayment was subject to the performance of the underlying assets and that risk of loss existed. Worthy was forced to pause redemptions in response to delayed borrower repayments during and after the pandemic, which left those early portfolios without the liquidity to process redemptions on schedule. The company is actively pursuing collections and has executed an agreement to sell unrelated assets to generate the capital needed to move redemptions forward. The reason Worthy continues to sell bonds is that these more recent offerings are real estate related, were not impacted by the pandemic, and have not incurred a single loan loss. They are unrelated to the early business bond offerings. We understand how frustrating this pause has been and remain focused on resolving it. Thank you for your continued patience.

Response from Worthy FinancialSep 24, 2025

We recognize that delays in bond redemptions can be frustrating. However, these pauses were limited to our earliest business-focused offerings and affected only a fraction of the bonds—the majority were redeemed as promised. As we’ve explained, the temporary redemption challenge arose from a small group of businesses that had borrowed bond capital and were significantly impacted by the pandemic. We continue to work on recovering those funds, and just last week, Worthy distributed a portion of that recovered capital back to bondholders. Please note that interest continues to accrue during this time, and that growth in value is reflected on your Dashboard and in your interest reports. It’s our intention that your interest be repaid with your final principal payment once sufficient liquidity is available. To that end, a sale of unrelated assets is currently in progress to provide the capital needed to move redemptions forward. Regarding the stock, those shares represent an ownership interest in Worthy as a private company. They do not pay dividends and have not generated a yield because Worthy has not been acquired or gone public. Like other private investments, any potential return on those shares would depend on a future liquidity event. We understand and share in the frustration caused by these delays. The company remains committed to pursuing every available path to restore liquidity and ensure investors receive the full value of their holdings. Thank you for your understanding and continued patience.

Response from Worthy FinancialSep 24, 2025

Hi Sara, we appreciate your feedback on our platform. We apologize for the limited communication regarding the illiquidity–we’ve done our best to keep affected bondholders informed, but there are regulatory restrictions on what we’re able to share outside of our public filings. We understand how the apparent lack of new information can be frustrating. We encourage you to reach out to our Client Engagement team any time you’d like to check on the status of your investment, either via in-app chat or by email. But please know we continue our collection efforts (and in fact, Worthy made a disbursement last week to some affected bondholders). Thank you for your continued patience.

Response from Worthy FinancialSep 24, 2025

While we understand that any delay in bond redemptions is frustrating, it’s important to note that these pauses occurred only in our earliest business-focused offerings and affected just a portion of the bonds—the majority were redeemed exactly as promised. As previously shared, the temporary redemption issue stemmed from a small number of businesses to whom bond capital was lent that were adversely impacted by the pandemic. We continue to pursue recovery of those funds, and in fact, just last week Worthy disbursed a portion of that recovered capital back to bondholders. It’s also worth highlighting that our other Worthy offerings—specifically those backed by real estate—have never experienced a single loan loss. Regarding Peerbackers, while it was created under SEC oversight as an advisory entity, it was never operational. It had no clients, no business activity–not even a bank account–and ultimately was not a business line we wished to pursue, so we chose to close it voluntarily. Importantly, there were never any SEC actions against Peerbackers.