Pando

Pando operates an income-pooling platform aimed at startup founders and other high-upside builders whose personal net worth is concentrated in a single illiquid asset — their own company. Its core product is the income pool: a group of vetted individuals who each agree to contribute a small share of their future earnings above a defined threshold into a shared pool, which is then redistributed equally among members. Pool members set three principal terms — a contribution percentage (typically 1–8%, commonly 3%), a duration (typically 10–15 years) and a hurdle rate (commonly around $1M of annual income). Only income above the hurdle is subject to contribution.

Pando administers the pools end to end: it supplies the contract, verifies members' income annually against tax returns, and facilitates distributions. Membership is gated through interviews and peer vetting, which the company describes as a mechanism to limit adverse selection. Alongside pooling, Pando offers liquidity products that advance access to future pool cash flows, angel-investing participation for investors in vetted founders, curated 5–8 person founder peer groups meeting monthly for 90-minute sessions facilitated by previously exited founders, a members-only Slack community called Treehouse, warm introductions across its network, educational content, and in-person events such as founder dinners and pitch events.

Business model

Pando charges a fee on pool distributions — its illustrative example uses a 10% fee on amounts distributed from the pool — and packages income pooling with adjacent services including liquidity products, curated peer groups and community access [0][1].

Fee taken as a percentage of pool distributions (10% in the company's published example), plus paid membership in its founder community and associated liquidity and peer-support products [0][1].

Traction

The company reports 741 active clients, approximately $2B in total capital raised by those clients, roughly $360M in projected pool cash flows, and 750 investors its founders have raised from. Published member testimonials come from founders at Inito, Empowerly and SCIP [0][1].