The financial ecosystem for high-potential builders
Access personal liquidity, share in other founders' upside, or do both with the support of a financially aligned community.
Pando's Financial Ecosystem
Welcome to the first financial ecosystem centered on your potential.
You have significant upside ahead, but most of your net worth is concentrated in a single illiquid asset: your company's equity.
Pando is designing financial tools that give you…
Liquidity
Trade future dollars that will never impact your quality of life for dollars today that will.
Diversification
Portfolio-like control over your economics through shared risk and reward with other founders.
Community
Engage with other founders and liquidity providers 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 “shared pool”
The Nuts and Bolts
The How
How are terms set?
Pool members agree on three major terms: the contribution percentage (usually somewhere between 1 - 8%), the term (usually 10-15 years), and the income hurdle (usually $500K-$2M)
How are contributions calculated?
If a pooler's annual income exceeds the income hurdle, then the product of (a) the difference between their eligible income and the hurdle and (b) the contribution percentage is contributed to the shared pool. This amount is then typically evenly redistributed to the pool members, after Pando's fee.
The Who
How are participants selected?
Pando screens founders to recommend pool options that may be a good fit and each pool vets prospective new members through interviews and information requests. Pando cannot unilaterally place an individual into a pool, but rather they must be voted in by their peers. This process results in a positive selection of high potential founders.
Who administers the pool?
Pando administers the pool: we provide the contract, review income documentation, and facilitate the resulting pool contributions and distributions.
Income Pooling Example
• Number of Founders: 3
• Contribution Percentage: 3%
• Annual Income Hurdle: $1M
• Term: 10 years
• Pando Distribution Fee: 10% of distributions
• Example Future Outcome: Company acquisition - Pooler A & C
How Pooling Works
Join the Community
Become a member of Pando's founder community.
Join an Income Pool Participation Agreement
Pool members contractually agree to contribute a small portion (typically 3%) of their earnings above a hurdle (e.g., $1M annually) to the shared pool. Pool hurdles are typically set so the pool captures only outlier, upside outcomes.
Equal Distributions
If any individual pool member succeeds (their income exceeds the hurdle), their fellow pool members benefit from pool distributions.
Build Together
Community members benefit from aligned financial incentives and shared prosperity, which further strengthens collaboration and support from the community.
Benefits of Income Pooling
Join a highly vetted community of top founders who believe in each others' potential and support each other through income pooling and community.
Risk Diversification
Income pooling provides portfolio-like control over your financial outcomes, allowing you to diversify risk across a highly vetted community of exceptional founders.
Participate in Each Others’ Upside
Join a peer-vetted community of top founders who believe in collective prosperity. Participate in each others' upside through income pooling.
Treehouse Slack
Members-only community with hundreds of founders and business professionals.
Curated Networking
Warm introductions across the Pando ecosystem.
Access to Resources
Blog and educational content for founders.
High-Touch Events
Founder dinners, pitch events, and more.
Additional Products
Founder Peer Support
Highly curated peer groups of 5–8 exceptional founders who meet monthly. Groups bring together founders at similar stages and with comparable business models, while incorporating diverse experiences, 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
Our Journey So Far
Community Impact
Hear from exceptional founders who have found financial diversification 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.”
“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 exceptional founders and ambitious builders who refuse to settle, including VC-backed entrepreneurs, successful executives, and top-tier business school graduates.
Why Pando
Traditional financial ecosystems do not consider individual's future potential, but rather primarily focus on current liquid wealth. Pando provides financial tools, enabling exceptional founders to participate in each others' upside, access liquidity, and benefit from community.
Career Volatility
Top founders face volatile income streams. Our products allow you to diversify your risk as a founder, providing portfolio-like control over your financial outcomes.
Lack of Founder-First Tools
Income pooling and liquidity solutions give exceptional founders the financial flexibility to focus on what they do best: building.
Lack of Peer Support
Building a company can be isolating. We bring together highly vetted founders and liquidity providers through shared financial incentives, creating a community built around mutual success.
Key Principles
Clarity
Pando provides clear, consistent, and legally sound financial infrastructure, creating a reliable framework for members and the community.
Mutual Support
Members support one another through the opportunities and challenges of entrepreneurship, creating a community where no one has to navigate the journey alone.
Community Governance
Members have a voice in decisions that shape the community, helping ensure the structure evolves with the collective interests of its members.
Reliable 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 rails 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 UsFind Out More
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 liquidity products
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