The financial ecosystem for high-potential builders
Realize your potential by participating in other founders' upside and
accessing personal liquidity, all with the support of a financially-aligned community.
Pando's Financial Ecosystem
Welcome to the first financial ecosystem centered on your potential.
You are ambitious and have incredible upside, but you currently have the vast majority of your net worth tied up in the potential of one volatile, illiquid asset: your company.
Pando is designing financial tools that give you…
Diversification
Give you portfolio-like control over their economics through shared risk and reward with other founders
Liquidity
Allow you to trade dollars that will never impact your quality of life for dollars that will
Community
Help you find other founders you believe in who are financially-incentivized to support you
How Income Pooling Works
An Income Pool is a group of individuals who agree to contribute a small portion (e.g. 3%) of their future earnings above a certain threshold
(e.g. $1M in annual earnings) to a “pool”
The Nuts and Bolts
The How
How terms are set
Pool members set three major terms: the contribution percentage (usually somewhere between 1 - 8%), the duration (usually 10-15 years), the hurdle rate (usually ~$1M)
How contributions are made
If a pooler's annual income exceeds the hurdle rate, then the difference between their income and the hurdle rate is subject to contribution. This amount is then evenly redistributed.
The Who
How do you select participants
We highly vet our founders through interviews, and peer-vetting. This helps us counter adverse selection. On average our founders have had 4x outsized returns.
Who administers the pool
Pando administers the pool and verifies income annually. We provide the contract, verify tax returns, and facilitate financial distributions.
Income Pooling Example
Main terms and characteristics of this pool:
• Number of Founders: 3
• Contribution %: 3%
• Hurdle rate: $1M in annual income
• Duration: 10 years
• Pando fee: 10% of distribution
• Outcome: Company acquisition - Pooler A & C
* This is eligible income above $1M hurdle, before any contributions were made
How We Create a Pool
Join the Community*
Become a member of our income pooling community. All members are peer-vetted to support each other's success.
Contribute Your Income
Members contribute a small portion (typically 3%) of their earnings above a certain threshold (e.g., $1M annually) to the shared pool.
Equal Distributions
If any individual pool member succeeds, everyone in the pool benefits through equal distributions from the pooled resources.
Build Together
As the community grows stronger, all members benefit from increased financial security and shared prosperity.
* Each pool is curated to balance experience, ambition, and risk profile, ensuring the economics work for everyone involved
Benefits of Income Pooling
Join a highly vetted community of top founders who participate in each others' upside, diversify risk, and accelerate growth through income pooling and liquidity products.
Risk Diversification
Income pooling provides portfolio-like control over your financial outcomes, allowing you to participate in each others' upside and diversify risk across a highly vetted community of exceptional founders.
Participate in Each Others’ Upside
Join a highly vetted community of top founders who believe in collective prosperity—a tide that lifts all boats. Participate in each others' upside through income pooling and peer support.
Liquidity Products & Financial Tools
Access liquidity products and innovative financial tools designed specifically for exceptional founders, including angel investing opportunities and early access to new products.
Community Impact
Additional Products
Income pooling is our foundation. Pando offers liquidity products and peer support designed specifically for top founders, enabling risk diversification and growth acceleration.
Founder Peer Support
Highly curated, 5-8 person peer groups of exceptional founders meeting monthly. Groups are curated with an eye towards similarity of stage and business model, featuring highly vetted founders with diverse experience, skill sets, and networks.
Monthly Meetings
90 min live sessions
Expert Facilitation
Pando accredited facilitators who are previously exited founders
Comprehensive Support
From tactical decisions to strategic challenges
Liquidity Products for Founders
Liquidity products provide access to future pool cash flows today when you need it most. Top founders can access immediate cash flow, and investors can participate through angel investing as founders.
Liquidity for Founders
Access to cash today when you need it most
Expert Vetting
Founders are peer-vetted, Pando-vetted and occasionally investor-vetted
High IRR for Investors
Reduced downside and dilution risk as well as greater access to high potential deals
Additional Community Benefits
Pando provides additional tools and services to broaden reach and connections, improving outcomes and ensuring all members are better, together.
Treehouse Slack
Members-only community with hundreds of founders
Curated Networking
Warm introductions across the Pando ecosystem
High-Touch Events
Founder dinners, pitch events, and more
What Our Members Say
Hear from exceptional founders who have found financial security and community through Pando's income pooling platform.
“Pando has helped me connect with other founders in the healthcare and AI startup ecosystem, share our experience and learn from each other. As the CTO of Inito, I often lean on my fellow poolers to seek feedback, make connections and discuss strategies. The Pando team has done an awesome job in building this unique community.”
“Joining Pando's pool has significantly accelerated my startup's growth. The community's expertise in sales strategy, product roadmapping, and general startup challenges, paired with a commitment to support through valuable introductions, has been indispensable. Pando fosters a unique collaborative spirit where everyone's success benefits the group, enhancing our collective ambition.”
“Being a part of the Pando community has given me a sense of fellow founder support who are also invested in my professional success, in which that combination is difficult if not nearly impossible to find somewhere else. Having a pool of like minded founders to bounce ideas off of and interact with on a regular basis allows me to feel a greater sense of security during the difficult times of the entrepreneurial journey.”
“As a former entrepreneur who now spends the majority of my hours working with them, the prospect of creating pools of tomorrow's business leaders is uniquely powerful. Pando cannot think of another product that allows one to share in the upside of people one believes in, spread personal risk, and boost community support.”
Trusted by High-Performing Founders
Pando works with 741 exceptional founders and ambitious builders who refuse to settle, including VC-backed entrepreneurs, successful executives, and top-tier business school graduates.
Why Pando Exists
Traditional financial systems do not consider people's potential. Pando provides financial tools for founders, enabling exceptional founders to diversify risk and participate in each others' upside through income pooling.
Career Volatility
Top founders face volatile income streams. Income pooling allows you to diversify your risk as a founder, providing portfolio-like control over your financial outcomes by participating in each others' upside.
Lack of Founder Tools
Income pooling and liquidity products provide sophisticated financial infrastructure designed specifically for exceptional founders, enabling risk diversification and growth acceleration.
Lack of Peer Support
Building a company can be isolating without a strong support network. Income pooling creates financial incentives that align highly vetted founders to support each other—a tide that lifts all boats through shared success.
Key Principles
With its long-standing track record of building income pooling, Pando has developed four key principles on which it operates.
Transparency
Pando helps provide a financial structure that is repeatable, and clear-cut. This allows Pando to support the enforcement of these contracts and create transparency across members
Mutual Support
Members support each other through both good times and challenges. The community helps ensure no one faces hardship alone.
Fair Terms
Pando never takes dollars you need to get by. Terms will never sacrifice founders' overarching financial wellbeing for the benefit of the pool.
Community Governance
Community involvement in decision-making around terms and membership is key to creating a system that serves the needs of all members.
Pando's Infrastructure
As the world's premier income pooling company, Pando has built the infrastructure to facilitate income pooling at scale.
AI/ML Underwriting
Advanced models to underwrite individual earnings potential
Customizable deal terms
Deal terms can be adapted for different career paths and founder needs or preferences
Income Verification
Robust payment trails and income verification systems
Frequently Asked Questions
Get answers to common questions about income pooling and our community.
Still have questions? The team is here to help.
Contact UsApply for Membership
Ready to join a community of top founders? Connect with ambitious builders who refuse to settle and leverage world-class financial tools.
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Why Join Pando?
Peer-Selected Community
Join a curated community of top founders and ambitious builders
World-Class Financial Tools
Access sophisticated income pooling and financial infrastructure
Exclusive Access
Get early access to innovative products designed for ambitious entrepreneurs
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