Innovation occurs daily in the peer-to-peer (P2P) lending and crowdfunding world. Manatt lawyers and professionals know the legal and regulatory traps and can help you navigate your business in a cost-effective manner.
P2P, which is often called marketplace lending or online direct lending, is the process of borrowing and lending online outside of traditional banking channels. In just a few years the P2P industry has become a multibillion-dollar global alternative lending sector. Loans that are originated are either sold to individual investors or sold as whole loans to institutions—essentially a form of debt crowdfunding.
Manatt works with platforms, investors and service providers in the space to provide a comprehensive P2P solution. We work with several companies in each of the three main verticals—consumer, small business and real estate—and we represent several other specialty platforms. We tailor legal solutions to specific business objectives and market constraints.
Manatt works with the largest companies in the industry as well as smaller start-ups to perform a customized risk-based assessment and action plan to get and keep clients moving as efficiently as possible. We work actively with companies and investors from North America, Europe and Asia to guide them through this dynamic landscape. Frequently we refer clients to one another through our own networks of contacts.
Crowdfunding uses online capital raising to support small businesses, real estate development and smaller projects. Manatt attorneys are recognized thought leaders in the space, working with several established crowdfunding platforms and investors. The JOBS Act and the related SEC Title II rulemaking have transformed crowdfunding, while leaving much to interpretation and industry accepted practice. More rulemaking will follow with Title III (public crowdfunding) and IV (Regulation A/A+), and Manatt is ready to advise you on best practices. We have regular dialogues with federal and state legislators and regulators to keep you apprised of continuing developments.
One of our partners is a board member of the Crowdfunding Professional Association, a leading industry policy organization, and was named to “Who’s Who in Crowdfunding 2014.” We are chair of the prestigious Practising Law Institute’s P2P and Crowdfunding Conference.
P2P and crowdfunding involves several legal areas, including:
- Securities and state blue sky laws
- Venture capital
- Bank regulatory
- Investment advisory
- Lender licensing
- Bank/warehouse finance
- Fund formation
- Intellectual property
- Digital media
- Privacy and data security
- Employee benefits and labor
We frequently appear in leading broadcast and print media, and host and speak at the leading P2P and crowdfunding events globally, including:
- AltFi Europe Summit
- AltFi Global Summit
- CFPA Education Summit
- Crowdfunding Global Expo
- Fintech Global Expo
- Global Crowdfunding Convention & Bootcamp
- Global Real Estate Crowdfunding Conference
- Kellogg/Stanford Alumni New York P2P Conference
- LendIt Europe
- MPact Wealth Platinum Retreats
- PLI’s “Crowdfunding and Peer-to-Peer Lending”
- PLI’s “Understanding the Securities Law”
- Regulation A+: Big Flop or Next Big Thing?
- Silicon Valley Crowdfunding Conference
- The SmallCap and Alternative Lending Revolution
– See more at: https://www.manatt.com/PeertoPeerLendingandCrowdfunding.aspx?elq=1f1a101c7ebe4aa4a72e333abc44ddd8&elqCampaignId=1984&elqaid=2976&elqat=1&elqTrackId=9e9e51dca4334f63a0af2ea0290c8db6#sthash.gVNHcDwx.dpuf