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Crowdfunding 2.0 – A new asset class for your online brokerage account

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  By: Blaine McLaughlin Via Folio and  CrowdFund Beat Sr. Guest Editor Part One In order to understand where we are and where we are going next, we need to look at where we have been and learn from all of that experience. Let’s begins with a review of the key milestones in the evolution of investing for individuals and how we have carried innovations from each stage into the next, to reach what I’m calling Crowdfunding 2.0: The evolution of investing to now include the ability for individuals to invest in small private companies, real estate securities and funds as part of their diversified…

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The Battle to Launch a Next-Generation Retirement Product & Control $14 Trillion in Investment Direction

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By Dara Albright,CrowdFunding Beat Guest Editor, FinTechREVOLUTION.tv  , Dara Albright Media, In the Fall of 2016, I penned an article entitled, “Modernizing the Self-direct IRA – The Trillion Dollar FinTech Opportunity” – the first in a new series of articles that focuses on next-generation retirement planning. The piece underscored how FinTech will mend America’s flawed retirement system and foster the growth of “digital” investing. This initial report drew attention to the growing necessity for a low-cost, high speed, autonomous retirement solution that would meet the demands of today’s alternative micro-investor. Most significantly, the piece summarized the two distinct individual retirement account prototypes – the Brokerage IRA and the…

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Crowdfunding- The Good, The Bad & The (really) Ugly

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By Shane Liddell is the CEO and chief Crowdfundologist at Smart Crowdfunding LLC,. Crowdfund Beat Guest post, Part 3 –The (really) Ugly Introduction In Part 1 I covered all of the good things that we have seen as crowdfunding continuously gathers momentum across the world. The future looks bright indeed! In Part 2 I wrote of changes within the industry, especially within rewards based crowdfunding – the competition which makes it so much harder for the small guys and the Indiegogo platform now giving preferential treatment to corporates, allowing them “…to pay for special placement on Indiegogo’s site, making them more discoverable than other campaigns”.…

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Crowdfunding expands innovation

Crowdfunding expands innovation

By Brett Israel, Media relations |berkeley.Edu Cowdfunding platforms, such as Kickstarter, have opened a funding spigot to startups in regions that have suffered from a venture capital drought, a new UC Berkeley study shows. County-level distributions of Kickstarter campaigns and venture capital investments, and the ratio of the amount of Kickstarter to venture capital funding, 2009–2015. Increasing blue to red indicates a higher ratio of Kickstarter to venture capital funding. (Graphic by J. YOU/Science) Historically, funding for innovation has come from venture capitalists, which tend to fund entrepreneurs that often mirror the investors in terms of their educational, social and professional characteristics. Venture capital funding…

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SEC Adopts Final Expanded Intrastate Crowdfunding Rules

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By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate Today the SEC unanimously adopted amendments to Rule 147 and Rule 504, and adopted a new Rule 147A, intended to modernize and facilitate local offerings by companies in their home state.  The final rules are much improved from the proposed rules issued in October 2015, in response to virtually unanimous views of rule commentors. The only fly in the ointment is that most states will need to update their legislation in order to be able to take advantage on the new, relaxed rules allowing broad internet solicitation. However, sales are still limited to investors in…

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REPORT: Equity Crowdfunding – Risks and liabilities as the industry matures

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  BY Ronald Kleverlaan Crowdfunding strategy, CrowdfundingHub, advisor European Commission, co-founder European Crowdfunding Network Within the rapidly-expanding alternative finance industry, equity crowdfunding is emerging as a popular method of growth finance. Equity crowdfunding is a mechanism by which a broad group of investors can fund start-up companies and small businesses in return for equity. In collaboration with UK insurance company AIG, the researchers of CrowdfundingHub worked together with leading European experts from SyndicateRoom, Seedrs, AIG, CrowdCube, Invesdor, Twintangibles and Legal Alternative to create a state-of-the-art overview of the Equity Crowdfunding industry. Summary of report Introduction: The rise and rise of equity crowdfunding Overview of the growth…

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Reg A Success Stories

Reg A Success Stories

At Dealflow’s Crowdfunding Conference in NYC last week one of the speakers (a good friend of mine) said that only 2 Reg A+ offerings thus far have closed (been successful), one in real estate (Fundrise) and one in automotive (Elio Motors, a FundAmerica/StartEngine/Hambrecht/Jumpstart customer). That’s incorrect. FundAmerica has, thus far, been a technology and compliance service provider to 11 Reg A+ offerings. Of those, 3 have “failed”, meaning they did not reach their minimums and investors were refunded from escrow. Of the other 8, 6 have met their minimums (and started receiving disbursements from escrow even as they continue to raise capital) and 2 are…

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Crowdfunding in Emerging Markets

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CrowdFund Beat Data Center, A new report, Crowdfunding in Emerging Markets: Lessons from East African Startups, captures lessons learned from East African entrepreneurs who were among the earliest adopters of crowdfunding in the developing world. Crowdfunding is the practice of raising monetary contributions from a large number of people, typically online, to fund a project or venture. In the past 10 years, crowdfunding has evolved into a $16 billion market, largely concentrated in North America and Europe. In developing countries, the crowdfunding market is expected to reach $327 million this year—about 2 percent of the global total. Despite this slow adoption, crowdfunding has been heralded as…

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A Reflection of Online Money Lending

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By Steve Cinelli , CrowdFund Beat Sr. Editor, @stevecinelli Some many months back, in fact prior to their listings, I wrote a piece questioning the lofty valuations of the marketplace lending platforms (LC and ONDK) as they entered the public markets.  The basic thesis was recognizing the fundamental business these platforms engaged, i.e., money lending, and how others in the same space, albeit not as “technology positioned”, delivered the same product and/or service, and I thus intimated that the newbies should be valued with similar metrics to the incumbent financial institutions. In observing the platforms’ performances over the last year, as well as evolving market conditions,…

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REPORT: Is Marketplace lending A temporary phenomenon?

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Crowdfund Beat Data Center: Deloitte Report MPLs are online platforms that enable investors to lend to retail and commercial borrowers. Unlike banks, MPLs do not take deposits or lend themselves; as such they do not take any risk onto their balance sheets. They make money from fees and commissions received from borrowers and lenders. The rise of Marketplace lending has urged many commentators to highlight the potential disruption that such new business models may bring to traditional banking. Our research presents a different opinion and instead concludes that MPLs do not currently have the competitive advantage needed to threaten this traditional banking model. However, while…

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Reg A+ Offering : 8 Tips to Funding Success

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By Rod Turner  founder and CEO of Manhattan Street Capital, Crowdfundbeat Guest Editor, The doors to Reg A+ are now open, with approximately 100 filings, 29 qualified by the SEC, to seek an average $23 million goal. The aggregate capital being sought is now $1.5 billion. The first company to complete a Reg A+ offering, Elio Motors, raised $16.9 millionfrom 6,600 investors at a pre-money valuation of $300 million, and is now listed on the OTCQX.               If you’re considering raising funds with Reg A+, check out the following tips:  1. Don’t Underestimate The Importance of Consumer Appeal. In…

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State of the Nation

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By Steve Cinelli , CrowdFundBeat Sr. Editor, @stevecinelli We use the term “democracy” to describe our governmental structure.  Characteristic of such a term evokes “everyone has a vote”, “everyone has a say”, and that the majority, of equals, should determine the outcome.  This premise, no matter how noble, is flawed.   In the current state of political affairs, we are witnessing tremendous vitriol, overwhelming divisiveness, that those outside of our country are wondering what reality show has gone mainstream.  Or even further, might they be experiencing the implosion, if not demise of the greatest nation on earth before their eyes?     The United States is not…

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HEADLINE NEWS

Mountain XpressFaces in the crowd: WNC crowdfunding initiatives | Mountain XpressMountain XpressEach week, Xpress highlights notable WNC crowdsourcing initiatives that may inspire readers to become new faces in the crowd. This week features Smiling ...and more » [...]

ForbesReal Estate Crowdfunding: 3 Trends to Watch in 2017ForbesReal estate crowdfunding continues to be a dynamic and ever-evolving industry, growing to an estimated $3.5 billion in 2016. By 2025, the crowdfunding industry as a whole is anticipated to be valued at more than $300 billi [...]

Entrepreneur3 Secret Weapons to Make Your Crowdfunding Campaign a Resounding SuccessEntrepreneurCrowdfunding sites like IndieGogo and Kickstarter popped up to provide a solution, by offering perks to early adopters of technology and products in exchange for funding, and by 2015 the cr [...]

Crowdfund InsiderGridShare Targets Renewable Energy Crowdfunding under Reg CF, Plans International ExpansionCrowdfund InsiderGridshare is one of the newest Reg CF crowdfunding platforms to receive regulatory approval. While the number of Reg CF portals is growing, Gridshare is the fir [...]

LiliputingCrowdfunding means Netbooks don't have to be cool (or popular) to ...LiliputingThe GPD Pocket is a notebook with a 7 inch, 1920 x 1200 pixel display, a quad-core Intel Atom Cherry Trail x7-z8700 processor, 8GB of RAM, and 128GB of ...and more » [...]

Android Authority (blog)Crowdfunding project of the week: Professor Einstein robot is the coolest digital assistantAndroid Authority (blog)It's time to dive into the crowdfunding world to find you another featured campaign. In this article series we aim to highlight the hottest p [...]

The Australian Financial ReviewSlow-clap for ScoMo's dodo; equity crowdfunding legislation that is already extinctThe Australian Financial ReviewThe key problem with the proposed framework for the equity crowdfunding bill is it effectively locks out 99 per cent of small businesse [...]

EntrepreneurHow to Make a Crowdfunding Video People Actually WatchEntrepreneurTo draw serious interest from prospective investors, you must spend time and resources in fine-tuning your message.and more » [...]

TrustedReviewsZTE's smartphone crowdfunding campaign went really badlyTrustedReviewsZTE has prematurely ended a crowdfunding campaign that was designed to bring the vision of the brand's fans to life. Unfortunately, it seems fans had other ideas. The company had been hoping [...]

Courier MailCrowd-funding to light up festivalCourier MailWynnum Manly Events Incorporated is crowd-funding $25,000 for this year's festival, expected to be held on June 17. Group president David Saunders said they decided to crowd-fund the event because in the past it had been t [...]

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What's Next Step in Regulation A+ JOBS ACTS Title IIII :L Interview : Steve Cinelli with Brian Korn Securities and Crowdfunding/Peer-to-Peer Lending Lawyer, Watch more video library | Conference | Interview | Campaign Showcase | Research | Education |