---
title: "Worthy Bonds Review 2026: The 6.5% Bonds, the Programs That Stopped Paying, and What Is Still on Sale"
url: https://altstreet.investments/platforms/reviews/worthy
kind: platform-review
updated: 2026-09-09
description: "Worthy sells $10 bonds at 6.5% as fully liquid. SEC filings show three of five programs stopped redeeming, two dissolved with $12.66M unpaid, going-concern doubts on the rest."
publisher: AltStreet (https://altstreet.investments)
license: Public factual pages may be read, quoted and cited with attribution and a link. Bulk redistribution is not permitted.
---

# Worthy Bonds Review 2026: The 6.5% Bonds, the Programs That Stopped Paying, and What Is Still on Sale

Worthy sells $10 bonds at a fixed 6.5% APY and markets them as fully liquid and redeemable at any time. Its own SEC filings show that three of its five Regulation A bond programs stopped honoring redemptions between 2022 and 2023, that two of them were dissolved in January 2026 with $12.66 million unpaid, and that the two programs still on sale carry going-concern paragraphs. AltStreet read every filing since 2017 to set the marketing against the record.

AltStreet score: 24.5 (F), scored September 10, 2026. Method: https://altstreet.investments/platforms

| Field | Value |
| --- | --- |
| Platform | Worthy |
| What it is | Direct-Issuer Retail Bond Platform (Regulation A Tier 2, $10 bonds, sold by the issuer without a broker-dealer) |
| Asset class | Unsecured Fixed-Rate Bonds of Single-Purpose Lending Issuers (Small-Business and Real Estate Development Loans) |
| Website | worthybonds.com |
| Review first published | September 9, 2026 |
| Last updated | September 9, 2026 |
| AltStreet relationship | None: no affiliate, sponsorship or partnership |

## The short version

Worthy has sold about $262 million of $10 Regulation A bonds since 2018 through five single-purpose issuers, all wholly owned by Worthy Financial, Inc. and run by the same two officers. Three programs, totaling $150 million from 49,022 investors, suspended redemptions between August 2022 and 2023; by December 31, 2025 they had redeemed $127.16 million and held $22.79 million they could not pay. Peer Capital I and II were dissolved on January 30, 2026 with no assets, extinguishing $12.66 million, and Peer Capital II's holders were told their bonds should be considered worthless. Community Bonds holds $10.13 million paused with no revenue and one $4.2 million loan fully reserved. The two Property Bonds programs still sell at 6.5% APY, about $112 million raised, under going-concern paragraphs and negative equity. The website still promises full liquidity.

- **$22.79M** Bonds that could not be redeemed at December 31, 2025 across Peer Capital I ($7,811,269), Peer Capital II ($4,852,865) and Community Bonds ($10,126,877), against $150 million sold by the three programs. Peer I and II were dissolved a month later.
- **$127.16M** Redemptions recorded by the same three programs before and during the suspensions: $42,188,710 (Peer I), $45,146,755 (Peer II), $39,824,696 (Community). They recorded $127.16 million of redemptions against $150 million originally sold before redemptions stopped.
- **2 going concerns** Worthy Property Bonds (equity -$6,681,472; total assets $16,864,198, down from $41,039,439 two years earlier) and Worthy Property Bonds 2 (equity -$4,052,479) both carry substantial-doubt paragraphs in their FY March 2026 audits and continue to sell bonds at 6.5%.
- **5% to 7% to 6.5%** Stated bond rates as filed: 5% at launch (2018), 5.5% from April 2023, 7% from November 2023 to January 2026, and 6.5% from January 1, 2026 on Property Bonds, set by board decision instead of the 6% base the offering circular provided. Interest accrued on suspended bonds at the same rates.
- **Feb 4, 2026** Worthy Wealth, Inc., run by the same CEO and CFO, terminated its December 2023 agreement to acquire the Property Bonds issuers four days after the Peer Capital dissolutions, then bought the Worthy software platform for $1 million plus $1 million of stock and renamed itself Wellstreet Financial in July 2026.

Data note: AltStreet read of every EDGAR filing by the five Worthy issuers, Worthy Financial and Worthy Wealth (2017 to September 2026), the FY2025 and FY2026 annual reports in full, a September 9, 2026 capture of worthybonds.com and wellstreetfinancial.com, and a legal and investor-record scan. September 2026.


## Key figures

| Figure | What it is | Context |
| --- | --- | --- |
| $22.79M | Bonds that could not be redeemed at December 31, 2025, across three programs | Peer I $7.81M · Peer II $4.85M ('worthless', February 2026) · Community $10.13M (paused) |
| Jan 30, 2026 | Peer Capital I and II dissolved with no assets and no further distributions | Form 1-Z exit reports filed February 2, 2026; $50M sold by each; approximately 0 record holders reported |
| -$6.68M / -$4.05M | Stockholders' deficit at March 31, 2026 on the two Property Bonds issuers still selling at 6.5% | Both audits carry substantial-doubt going-concern paragraphs; Property Bonds' assets fell from $41.0M to $16.9M in two years |
| $262M / 49,022+ | Bonds sold across five programs since 2018; investors in the three failed programs | $50M + $50M + $50M + $75M + ~$37M; 12,285 + 17,823 + 18,914 investors; Property Bonds counts not disclosed |


## Verdict

Worthy is a direct-issuer bond platform whose product is a liquidity promise on unsecured paper from thinly capitalized lenders, and whose record now shows that promise failing at scale: three programs frozen, two dissolved with $12.66 million unpaid, $10.13 million still paused, and the two programs on sale carrying going-concern paragraphs. The filings are candid; the marketing tells a materially different story. This review is for three readers: investors holding suspended or dissolved Worthy bonds, investors holding or considering the 6.5% Property Bonds, and investors being offered Wellstreet's new Housing Bonds by the same team.

**Best for**

- Holders of Peer Capital, Peer Capital II or Community Bonds who need to understand what the dissolutions and the pause mean for their claim
- Holders of Property Bonds who want the March 2026 balance sheet and audit language in one place
- Investors comparing retail bond platforms who want the category's clearest example of a liquidity promise tested by defaults

**Look elsewhere if**

- You need access to your money on a known date: none of the bonds has a maturity, and redemption is at the issuer's liquidity
- You are relying on the site's liquidity language: it has been contradicted by the issuers' own filings since 2022
- You want a disclosed redemption fulfillment rate or investor count for the live programs: neither is filed

**Strengths**

- Audited annual and semiannual statements filed for every issuer, with the suspensions, unpaid balances and going-concern language disclosed on EDGAR as they occurred
- No investor-side fees, a $10 minimum, no broker-dealer commissions, and a stated rate history that is precise in the filings
- $127 million actually returned to holders of the three failed programs before and during the suspensions

**Limitations**

- Bonds are unsecured obligations of single-purpose issuers with no maturity and no reserve; redemption depends on loan collections
- Three of five programs failed to redeem in full; two were dissolved with nothing to distribute; the marketing still promises anytime liquidity
- Common management across every entity, including the affiliate that walked away from buying the live issuers and now sells a new product under a new name


## What this means for your decision.

| Topic | Finding |
| --- | --- |
|  | The liquidity promise is the product, and it has failed in three of five programs |
|  | The bonds on sale today are issued by companies whose auditor doubts they can continue |
|  | The same management is now selling a new product under a new name |
|  | The marketing has not caught up with the filings |

Worthy is a real business with a real filing record: $262 million of bonds sold across five Regulation A programs, $127 million redeemed from the three that failed, audited statements filed every year, and the bad news disclosed on EDGAR as it happened. That record now includes a program whose bonds were declared worthless, a second dissolved with nothing to distribute, a third frozen with no revenue, and two live programs with going-concern doubts, all sold under a promise of anytime liquidity that the structure never guaranteed. No regulator has acted. The filings are the warning.


## Who it fits

| Investor | Fit | Why |
| --- | --- | --- |
| Holders of Worthy Peer Capital, Peer Capital II or Community Bonds | neutral |  |
| Holders of Worthy Property Bonds or Property Bonds 2 | poor-fit |  |
| Investors Seeking a Fixed Rate With Anytime Access | poor-fit |  |
| Investors Being Offered Wellstreet Housing Bonds | poor-fit |  |


## Questions

**What is Worthy Bonds, and how does it work?**

Worthy is an online platform, run by Worthy Financial, Inc. of Boca Raton, Florida, that sells $10 bonds to anyone in the US. Each program is a separate Worthy subsidiary qualified under Regulation A Tier 2 to sell $50 million or $75 million of bonds directly, with no broker, no commission and no investor fee. The bonds pay a fixed rate, 6.5% APY on Worthy Property Bonds since January 2026, compounded daily, have no maturity date, and are marketed as redeemable at any time without penalty. The subsidiary lends the money on to small businesses or, on the Property Bonds programs, to real estate developers against real estate collateral, and pays redemptions from what those loans return. Since 2018 Worthy has run five programs and sold about $262 million of bonds.

**Is Worthy Bonds legit, or a scam?**

The filings do not support calling it a scam, and they do not support the website either. Every Worthy program is a qualified Regulation A issuer that has filed audited annual and semiannual reports on EDGAR, disclosed its redemption suspensions in dollars, and reported its dissolutions and going-concern doubts as they occurred. AltStreet found no SEC, FINRA, state or court action against any Worthy entity or officer as of September 2026. What the record shows is a structure that could not survive loan defaults: three of five programs stopped redeeming between 2022 and 2023, two were dissolved in January 2026 with $12.66 million unpaid and one program's bonds declared worthless, and the two programs still selling carry going-concern paragraphs, while the site promises bonds that are 'fully liquid and redeemable at any time'.

**What happened to Worthy Peer Capital and Worthy Peer Capital II?**

They were Worthy's first two programs, each selling $50 million of bonds, to 12,285 investors by March 2020 and 17,823 investors by October 2020. On August 22, 2022 Worthy told Peer Capital bondholders it must delay redemptions because defaults in equipment, purchase-order and real estate loans had made the lending portfolio illiquid; Peer Capital II followed. Interest continued to accrue at 5%, then 5.5%. By December 31, 2025 the two issuers had redeemed $42,188,710 and $45,146,755 and still owed $7,811,269 and $4,852,865. On January 30, 2026 both filed Certificates of Dissolution (Peer Capital I in Delaware, Peer Capital II in Florida) stating they had no assets and there would be no further distributions to security holders, and on February 2 the company told Peer Capital II holders that 'any securities held in this offering should at this time be considered worthless'.

**What is happening with Worthy Community Bonds?**

Worthy Community Bonds sold $50 million to 18,914 investors between September 2020 and February 2021. It paused redemptions and continued accruing interest, raised to 7% from November 2023 through January 2026. Its annual report for 2025, filed April 20, 2026, shows $39,824,696 redeemed, $10,126,877 of bonds subject to the pause, revenue of $0, total assets of $151,478, liabilities of $13,227,121, a stockholders' deficit of $13,075,643, and a single $4,200,952 loan that is past due and fully reserved, with a going-concern paragraph from the auditor. The issuer continues to file on EDGAR under CIK 0001817214. No dissolution or worthlessness statement has been filed for it as of September 2026.

**Are Worthy Property Bonds safe? Can I still withdraw my money?**

Worthy Property Bonds and Worthy Property Bonds 2 are separate issuers from the failed programs and disclose no redemption pause; Property Bonds' liabilities fell from $40.3 million to $23.5 million during the year to March 2026, which is consistent with redemptions being paid, though no fulfillment rate is filed. They are not safe in any sense the word usually carries. Both auditors included substantial-doubt going-concern paragraphs in the March 2026 reports; Property Bonds has a $6,681,472 stockholders' deficit and total assets that fell from $41.0 million to $16.9 million in two years; Property Bonds 2 has a $4,052,479 deficit. Both file the same risk factor the failed programs carried: that redemption requests may exceed available liquidity. The bonds are unsecured, have no maturity, and are redeemed at the issuer's discretion 'as loan collections and other asset liquidation permits'.

**What does 'redeemable at any time' actually mean on a Worthy bond?**

It means you may ask. The bonds have no maturity date, so the issuer never has to pay on a particular day; the annual reports state that bonds are redeemed 'as loan collections and other asset liquidation permits' in order of maturity and request, and that requests may exceed available liquidity. No reserve, trustee, bank line or parent guarantee stands behind the promise. On three programs the issuer exercised that discretion for more than three years and then dissolved. The site's phrase 'fully liquid and redeemable at any time without penalties' describes the policy while it works, not a term of the bond.

**What is the relationship between Worthy, Worthy Wealth and Wellstreet?**

Worthy Wealth, Inc. is a Georgia company with the same CEO (Sally Outlaw) and CFO (Alan Jacobs) as Worthy Financial, with its own Regulation A offerings through subsidiaries Worthy Wealth Realty and Worthy Wealth Senior Living. On December 11, 2023 it agreed to acquire Worthy Property Bonds, Property Bonds 2 and their lending subsidiaries from Worthy Financial; on February 4, 2026, four days after the Peer Capital dissolutions, it terminated that agreement. On March 31, 2026 it bought the Worthy Platform software from Worthy Financial for $1 million in cash due by December 31, 2026 plus $1 million of its own stock, licensing it back for white-label use. In July 2026 all three companies renamed themselves Wellstreet. wellstreetfinancial.com now sells 9% to 10% Housing Bonds with a three-year lock and $10 equity shares; its 1-Ks carry the same auditor's going-concern language, and Wellstreet Senior Living terminated its offering on August 31, 2026.

**What returns has Worthy actually paid?**

The stated rate has been paid as interest on bonds that were redeemed: 5% from 2018, 5.5% from April 2023, 7% from November 2023 to January 2026, and 6.5% on Property Bonds since. The company's site claims more than $16.6 million of interest earned, undated and unfiled. Against that, three programs stopped returning principal: at December 31, 2025, $22.79 million of bonds from Peer Capital I, Peer Capital II and Community Bonds could not be redeemed, and $12.66 million of that was extinguished in the January 2026 dissolutions. Accrued interest on those bonds was a number on a statement. AltStreet cannot compute a realized return for any Worthy program from public data, and no issuer publishes loan-level performance.

**Are there fees on Worthy Bonds?**

None for the investor: no purchase, withdrawal or transfer fees, and no broker commission, because the issuers sell directly. The costs sit inside each issuer: staff and office expenses reimbursed to Worthy Management, Inc., a Worthy Financial subsidiary, under a Management Services Agreement, plus legal, blue-sky and audit fees. The exit reports for the Peer Capital programs list $100,000 of legal fees, $50,000 of blue-sky fees and $6,000 to $10,000 of audit fees each. The investor's economics are the coupon less whatever the issuer fails to pay.

**Worthy vs Groundfloor vs Percent: what is the difference?**

All three sell retail debt at low minimums. Groundfloor sells dated, secured real estate loan notes and publishes a loan-by-loan repayment and default record; Percent sells short-duration private credit notes through a broker-dealer with a repayment ledger of 843 repaid notes and a loss rate by count. Worthy sells undated, unsecured bonds of single-purpose lenders with no loan-level disclosure and redemption at the issuer's discretion, and three of its five programs have failed to redeem in full. The structural difference is a maturity date and a published record; Worthy has neither.

**I hold suspended or dissolved Worthy bonds. What should I do?**

Keep every confirmation, account statement and email, including any showing accrued interest you never received. If you hold Peer Capital II bonds, the company's February 2, 2026 statement that they 'should at this time be considered worthless' is the document a tax adviser will want; if you hold Peer Capital I bonds, request the equivalent in writing, since the issuer was dissolved with no assets the same day. If you hold Community Bonds, watch CIK 0001817214 on EDGAR for a 1-U on dissolution, funding or worthlessness. File a complaint with the SEC and your state securities regulator so that a record exists, and consult a securities attorney before assuming any recovery. Nothing on the public record indicates a receivership, a class action or an affiliate funding commitment.


## Evidence appendix

Platform website captured September 9, 2026.

Four primary sources. (1) SEC EDGAR: every filing by Worthy Peer Capital, Inc. (CIK 0001699834; 41 filings, March 2017 to February 2026), Worthy Peer Capital II, Inc. (0001800207; 25), Worthy Community Bonds, Inc. (0001817214; 24), Worthy Community Bonds II, Inc (0001832154; 5, never qualified), Worthy Property Bonds, Inc. (0001869222; 36), Worthy Property Bonds 2, Inc. (0001971864; 29), Worthy Financial, Inc (0001745249; Form C 2018, C-U 2019, C-AR 2019 to 2026, two Form Ds, an abandoned 1-A) and Worthy Wealth, Inc. and subsidiaries (0002007516, 0002041878, 0002054462; 48 filings to September 2026). The FY2025 1-Ks (Community Bonds, filed April 20, 2026; Peer Capital II, July 18, 2025) and FY2026 1-Ks (Property Bonds and Property Bonds 2, July 15, 2026) were read in full; the 1-Z exit reports of February 2, 2026 and the 1-Us of December 29, 2025, February 2 and 6, April 3, July 10, August 24 and September 1, 2026 were read in full. (2) worthybonds.com, 124 pages captured September 9, 2026, including the home, invest, why-worthy, predictable-income, comparison, about, community and archive pages. (3) wellstreetfinancial.com, home and about pages, September 9, 2026. (4) Legal and enforcement scan of SEC litigation releases and administrative proceedings, FINRA disciplinary actions, state actions and court dockets; investor record from Trustpilot (277 reviews), Bogleheads and JoeHx Blog. Figures are as filed in whole dollars; company-reported site figures are labeled.

**Highlights**

- Programs and sales (as filed): Peer Capital I $50,000,000 to 12,285 investors, January 2018 to March 17, 2020 (file 024-10766, qualified 2018-01-04, price $10, net proceeds $49,844,000 per the 1-Z); Peer Capital II $50,000,000 to 17,823 investors, March 17 to October 1, 2020 (024-11150, net proceeds $49,840,000); Community Bonds $50,000,000 to 18,914 investors, September 29, 2020 to February 26, 2021 (024-11279); Property Bonds $75,000,000, October 31, 2022 to December 12, 2024 (024-11563, re-qualified 2024-10-04); Property Bonds 2 approximately $37,000,000 to March 31, 2026 (024-12206). Community Bonds II (CIK 0001832154) filed a 1-A on November 25, 2020, amended through May 27, 2021, and was never qualified.
- Redemptions and suspensions (FY2025 1-Ks): Peer Capital I 'temporarily delay[ed] the redemption of outstanding bonds while continuing to accrue 5.5% interest' after 'defaults in small business loans involving equipment, purchase order financing and real estate'; $42,188,710 redeemed at December 31, 2025 (from $41,114,337 at the prior report); $7,811,269 subject to suspension. Peer Capital II: $45,146,755 redeemed (from $43,984,983); $4,852,865 subject to suspension. Community Bonds: 'paused the redemption of outstanding bonds while continuing to accrue interest at 7% until January 2026'; $39,824,696 redeemed (from $39,623,157 prior to the pause); $10,126,877 subject to the pause. Total unredeemable at December 31, 2025: $22,791,011 against $150,000,000 sold.
- Dissolutions (1-Us of February 2, 2026; 1-Zs the same day): Peer Capital I (a Delaware corporation) and Peer Capital II (a Florida corporation) each filed a Certificate of Dissolution with its state of organization on January 30, 2026, 'approved unanimously by the Company's board of directors and sole shareholder'; each 'at the time of dissolution, had no assets, and therefore there will be no further distributions to the Company's security holders'. The 1-Zs report $50,000,000 qualified and sold at $10, no underwriter, no sales commissions, legal fees $100,000 and blue-sky fees $50,000 to Dickinson Wright, audit fees $6,000 (D'Arelli Pruzansky) and $10,000 (Salberg & Company), and approximately 0 record holders. Company statement to Peer Capital II holders, February 2, 2026 (as reported): 'after exhausting all available debt-recovery and asset sale efforts… no further funds remain for distribution to bondholders, and any securities held in this offering should at this time be considered worthless.'
- Community Bonds FY2025 (1-K filed April 20, 2026): revenue $0 (2024: $14,767); net loss $1,333,240; cash $31,104; total assets $151,478; total liabilities $13,227,121; stockholders' deficit $13,075,643; loans receivable gross $4,200,952 from one borrower, past due at both year ends, reserved in full ($4,282,462 total allowance including $81,510 of interest); 'the decrease of interest expense on bonds was due to the decrease in bonds outstanding'; going-concern paragraph.
- Property Bonds FY March 2026 (1-K filed July 15, 2026): cash $627,186; total assets $16,864,198 (March 2025: $35,670,941; March 2024: $41,039,439); total liabilities $23,545,670 (March 2025: $40,329,348; March 2024: $43,906,090); stockholders' deficit $6,681,472; interest on loans receivable $1,364,002 (FY2025: $2,789,445); net loss $1,949,537 (FY2025: $1,792,618); bonds 'bear interest at 7% per annum (effective November 2023 through January 2026 and 6.5% thereafter)'; sales suspended May 20 to October 7, 2024 pending a post-qualification amendment; 'substantial doubt about the Company's ability to continue as a going concern' with an explanatory paragraph in the audit report; 'There is a possibility that bond liability redemption requests may exceed available liquidity.'
- Property Bonds 2 FY March 2026 (1-K filed July 15, 2026): cash $3,146,914; total assets $21,813,776; total liabilities $25,866,255; stockholders' deficit $4,052,479; interest income $1,944,812 (FY2025: $1,648,116); net loss $1,752,338; financing receivables individually evaluated for impairment $12,669,875 (March 2025: $12,569,875), 'no loans past due or on non-accrual status… past due by more than 90 days'; approximately $37 million of bonds sold; sales suspended June 21, 2024 to February 7, 2025; going-concern paragraph.
- Rate history as filed: Peer Capital bonds 5% at issue, 5.5% from April 1, 2023; Community Bonds 5%, 5.5% from April 1, 2023, 7% from November 2023 through January 2026, then reverting toward 6%; Property Bonds and Property Bonds 2 7% from November 2023 through January 2026 and 6.5% thereafter, set by the boards on December 29, 2025 'instead of 6% APY' the offering circular provided (1-U with Supplement No. 1 and a revised Form of Bond).
- Affiliate transactions (1-Us): Stock Purchase Agreement dated December 11, 2023 between Worthy Wealth, Inc. and Worthy Financial, Inc. for all equity of Worthy Property Bonds, Inc., Worthy Property Bonds 2, Inc., Worthy Lending V, LLC and Worthy Lending VI, LLC, terminated by Worthy Wealth on February 4, 2026 'in compliance with the terms of the SPA' and 'approved unanimously by the Company's board of directors' (reported by all five entities on February 6, 2026, signed by Alan Jacobs as CFO). FinTech Purchase Agreement dated March 31, 2026: Worthy Wealth acquired 'certain software and incorporated data… known as the Worthy Platform' from Worthy Financial for $1,000,000 in cash on or before December 31, 2026 plus $1,000,000 of Worthy Wealth restricted common stock 'valued at the sale price in the Company's then current (or, if not current, most recent) private placement', with the works reverting to Worthy Financial if the price is not paid in full, and licensed back to Worthy Financial 'for white label use'. Certificates of Amendment July 7, 2026 (Worthy Wealth, Inc. to Wellstreet Financial, Inc.) and July 13, 2026 (Realty and Senior Living). Wellstreet Senior Living terminated its Regulation A offering (024-12578) on August 31, 2026 and 'will continue to meet its periodic reporting obligations'.
- Parent (Worthy Financial, Inc. Form C-ARs, company-reported, unaudited status not verified): revenue and net loss by year: 2019 $22,392 / -$805,840 (assets $2,686,176; 10 employees); 2020 $1,043,058 / -$3,712,068 ($25,139,357; 14); 2021 $4,015,508 / -$4,119,032 ($74,427,613; 17); 2022 $5,764,026 / -$6,406,019 ($60,575,012; 12); 2023 (April report) $2,929,674 / -$9,948,743 ($47,381,734; 19); 2023 (December year end) $3,728,218 / -$6,102,516 ($61,716,426; 17); 2024 $4,348,111 / -$6,417,296 ($60,787,911; 18); 2025 $3,556,604 / -$7,196,286 ($49,227,518; 18). Regulation CF offering on StartEngine (Form C July 2, 2018; common stock at $5; target $10,000; maximum $1,070,000): $267,240 reported August 21, 2019. Form D December 19, 2018: $1,000,000 offered, $200,000 sold, 6 investors; Form D August 6, 2020: $400,000 offered, $212,520 sold, 4 investors.
- Wellstreet entities (formerly Worthy Wealth; Georgia; FY June 30, 2025 1-Ks with going-concern paragraphs): Wellstreet Financial cash $706,513, total assets $796,202, liabilities $108,294, equity $687,908, revenue $0; Realty total assets $2,233, liabilities $25,869, deficit $23,636; Senior Living cash $584,623, equity $523,904, net loss $30,713. Worthy Wealth Form D March 26, 2025: $30,000,000 offered, $155,000 sold, 5 investors. The 1-K risk factors state 'the members of our management have limited experience in managing real estate or developing real estate projects'.
- Investor record: Trustpilot TrustScore 1.7 of 5 across 277 reviews (45% five-star, 43% one-star); newest review September 1, 2026: 'Our funds could not be withdrawn for more than 1 year and then finally they declared everything was lost'; April 2, 2026: an account balance moved to '100% loss ($3,767.13)'. JoeHx Blog reproduces the August 22, 2022 email delaying Peer Capital redemptions and the claim of 'over $90 million in prior principal and interest distributions'; 2023 comments report five-figure balances frozen.
- Legal and enforcement scan (September 9, 2026): no SEC litigation release or administrative proceeding, FINRA disciplinary action, state securities action, receivership or class action found naming Worthy Financial, Inc., any Worthy issuer, Worthy Wealth, Inc., Wellstreet Financial, Inc., Sally Outlaw or Alan Jacobs. Name-match hits in AltStreet's enforcement tables (Goldsworthy, Kenworthy) are unrelated. No broker-dealer, funding-portal or adviser registration exists for any Worthy entity.

**Primary source pages**

- SEC EDGAR: Worthy Peer Capital, Inc., CIK 0001699834, file 024-10766 (1-A qualified 2018-01-04; 1-Ks FY2018 to FY2024; 1-U and 1-Z 2026-02-02, accessions 0001493152-26-004685 and -004690)
- SEC EDGAR: Worthy Peer Capital II, Inc., CIK 0001800207, file 024-11150 (1-K FY March 2025, accession 0001641172-25-020158; 1-U and 1-Z 2026-02-02)
- SEC EDGAR: Worthy Community Bonds, Inc., CIK 0001817214, file 024-11279 (1-K FY2025, accession 0001493152-26-018133; 1-U 2025-12-29)
- SEC EDGAR: Worthy Property Bonds, Inc., CIK 0001869222, file 024-11563 (1-K FY March 2026, accession 0001493152-26-033338; 1-U 2025-12-29 with Form of Bond; 1-U 2026-02-06)
- SEC EDGAR: Worthy Property Bonds 2, Inc., CIK 0001971864, file 024-12206 (1-K FY March 2026, accession 0001493152-26-033334)
- SEC EDGAR: Worthy Financial, Inc, CIK 0001745249 (Form C 2018-07-02 via StartEngine; C-AR 2026-04-27 for 2025)
- SEC EDGAR: Worthy Wealth, Inc. / Wellstreet Financial, Inc., CIK 0002007516 (1-U 2026-02-06 SPA termination; 1-U 2026-04-03 FinTech Purchase Agreement; 1-U 2026-07-10 rename; 1-K FY June 2025)
- SEC EDGAR: Wellstreet Senior Living, Inc., CIK 0002054462 (1-U 2026-09-01 offering termination)
- worthybonds.com: home, /invest, /why-worthy, /predictable-income, /worthy-vs-corporate-and-treasury-bonds, /about, /community, /archive_112023_version (captured 2026-09-09)
- wellstreetfinancial.com: home and /about-us (fetched 2026-09-09)
- JoeHx Blog, 'Is Worthy Bonds Having Liquidity Problems?' (August 2022 email to bondholders and 2023 comments)
- Trustpilot, worthybonds.com (TrustScore 1.7 of 5, 277 reviews, newest September 1, 2026)


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AltStreet reads what platforms, funds and issuers file with the SEC and what they tell investors, and publishes the difference. Figures are as filed or as captured on the date stated; nothing here is investment advice.