CARE Note Modeling Tool

Community Agreement for Revenue Earnings — model returns, payment schedules, and equilibrium multiples.
For context on the instrument, see Section 3 of The Economy As A Natural System: The Architecture of Regenerative Capital (Stakeholder Enterprise, 2026).

Instrument Terms

Investment principal ($)

Total raise size ($)

Patient period (years) 2

Outside maturity (years) 20

Revenue Share Tiers

Tier Start year End year Share %

Revenue Assumptions

Starting quarterly gross revenue ($)

Annual revenue growth 20%

Return Multiple & IRR Solver

Return multiple 4x

Target IRR (%) 15%

Results

Solved return multiple for % IRR

Multiple needed to achieve your target IRR given these terms

Return Multiple

—

Investor IRR

—

Time to Repayment

—

years from issuance

IRR benchmark

0% Community (10%) PE (25%) VC (35%+) 150%

How the instrument works

Qn = Rn × S(yn)

Qn — payment to investor in quarter n

Rn — gross revenue in quarter n

S(yn) — revenue share % for the payment year containing quarter n

T = Σ(Qn) until Σ(Qn) = P × M

T — time to full repayment

P — principal invested

M — return multiple

Repayment Schedule

Year	Phase	Approx. QGR	Share %	Annual payment	Balance
Adjust the inputs above to generate a schedule.