Abstract: A method, system, and computer program product for providing a return on an investment to an endowment that also encourages donations by investing in a vehicles that provide a benefit to the endowed institution. The method includes receiving principal funds from one or more investing entities and receiving data describing an obligation of an endowed institution to pay for goods or services from a supplying entity. The method also includes making a payment to the supplying entity using at least a portion of the principal funds. The method also includes receiving a payment from the endowed institution at a later date for a greater amount than the earlier payment. The payment received from the endowed institution is made at a date later than the payment made to the supplying entity and is an amount that exceeds the payment made to the supplying entity. The method also includes making a payment to an endowment.