Opinion

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

By Shane Liddell is the CEO and chief Crowdfundologist , CrowdfundBeat guest post.     Introduction Crowdfunding is by definition, “the practice of funding a project or venture by raising many small amounts of money from a large number of people, typically via the Internet.” The earliest recorded use of the word was by Michael Sullivan in Fundavlog during August 2006. The term crowdfunding was used for the first time in the year 2006 when Michael Sullivan launched Fundavlog. This, however, was a failed attempt to fund events and projects related to a video blog. With the signing of the JOBS Act on April 5th…

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Crowdfunding Multiplied Career Options

By Slava Rubin, When I graduated from college and was considering a “career” all I knew was that I wanted to do something that I was passionate about. I was introduced to entrepreneurial thinking at an early age when my parents left everything they had in their home country of Belarus, and started over as immigrants in the United States. infocus_career paths_banner1 As I watched them I learned something that has served me for the rest of my life: you can do anything if you’re willing to work hard and seize any opportunity that helps you along the way. Until recently, careers have followed a…

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Mary Jo White is resigning as Chair of the SEC! What’s next for Crowdfunding?

Scott Purcell is the CEO of FundAmerica, Crowdfund Beat Guest post, Exciting news yesterday for small business owners and people engaging in technology-driven finance – Mary Jo White is resigning as Chair of the SEC! On one hand, the SEC has done some great things over the last few years. It’s worked hard to clean up a lot of corruption and bad actors. But it’s also taken years to give us (FinTech industry) the regulations and tools we need to help turn the dream of online private markets into a reality. And while it’s very true that some incredibly smart people at the SEC were…

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SEC Makes Intrastate Crowdfunding A Little Easier

By Mark Roderick CrowdFunding Beat  Sr. contributing editor and crowdfunding attorney with Flaster/Greenberg PC. The SEC just adopted rules that should make intrastate Crowdfunding easier, at least if State legislatures do their part. To understand how the new rules help and how they don’t, start with section 3(a)(11) of the Securities Act of 1933, which has been, until now, the basis for all intrastate Crowdfunding laws. While section 5 of the Securities Act generally provides that all sales of securities must be registered with the SEC, section 3(a)(11) provides for an exemption for: Any security which is a part of an issue offered and sold only to persons…

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On the SEC’s New Intrastate Crowdfunding Rules and the Nanny State

By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate On October 26, 2016, the SEC’s three Commissioners convened at their headquarters to adopt new rules intended to modernize what had historically been a little used path of raising capital for startups, early stage businesses and community-based enterprises: the so called intrastate exemption. It had its origins in our federal securities regulation legislation adopted back in 1933, which required the federal registration of the sale of securities in the U.S.  absent an exemption from registration. In 1933 Congress, in its wisdom, carved out from the registration requirement those offerings that were purely local in character,…

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Making Money, People and Power Work

BY CYNTHIA NEVELS • What do you think of when you see a vacant commercial building in a middle-class neighborhood? Do you say to yourself, “I could start my own business there if I had the capital,” or “a Whole Foods should open here and bring new jobs”? Have you ever asked yourself how enterprises such as Whole Foods, Toyota, Jamba Juice, or Amazon.com select cities to plant their seeds to grow and the impact that decision has on local communities? You can thank your powerful local economic development agents and their collaborative partners for the harvest in fast-growing cities throughout North Texas. Since the…

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The Search for Yield, Part 2: Refinancing Commercial Real Estate

By  Kyle Engelken, WealthForge Crowdfund  Beat Guestpost, Ten years ago, you could not open your daily financial periodical without being bombarded with articles about the subprime loan crisis. However, quietly in the background, commercial mortgage backed securities (CMBS) were being issued at a record pace with loan to value ratios over 100 percent. In 2005, approximately $169 billion of CMBS loans were issued. Two years later, this number reached $230 billion. Today, analysts are predicting just $50 billion in CMBS issuance for 2016—far less than the nearly $90 billion in loans due for refinancing this year and over $100 billion in 2017.1 Many of the commercial loans…

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SEC REGULATORY ALERT: COMMISSION POISED TO ADOPT EXPANDED INTRASTATE CROWDFUNDING RULES

By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate The Securities and Exchange Commission has announced that it will be meeting on October 26, 2016 to consider and adopt amendments to Rule 147, the safe harbor for the issuance of securities pursuant to the so called intrastate exemption.  Rule 147 has been problematic for issuers in the past, as it restricts offers and sales of securities solely to residents within a state’s borders. SEC informal written Staff interpretations issued in 2014 took the position that open internet solicitation by an issuer would preclude the use of this exemption for local businesses, even if sales…

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An Upcoming Opportunity for Private Companies to Explore Regulation A+ Financing Options

By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate Though I regularly speak at national alternative finance events it has not been my custom or practice to independently publicize these events.  So today being Columbus Day, an historic event marking the voyage of Christopher Columbus toward new horizons, I thought this would be as good a day as any to break with tradition and call attention to my next speaking event – open to the public. On November 10, 2016, I will be joined by more than a dozen of some of the most prominent professionals in the new Regulation A+ financing space, representing…

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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 Is Just Beginning

By Mark Roderick CrowdFunding Beat  Sr. contributing editor and crowdfunding attorney with Flaster/Greenberg PC. For those of us who work in the Crowdfunding space, it can seem as if we’ve covered a lot of ground since April 5, 2012, the day President Obama signed the JOBS Act into law. At a conference in New York earlier this year, a panelist actually referred to Crowdfunding as a “mature” industry. Nothing could be further from the truth. Crowdfunding is actually just beginning. A couple weeks ago I received a promotional email from OurCrowd. Founded by Jon Medved, one of the most successful venture capitalists in the world, OurCrowd has developed into the…

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IS THE SEC’S ACCREDITED INVESTOR DEFINITION UN – CONSTITUTIONAL?

By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate Many have railed against what can be argued is the irrationality of protecting non-accredited investors from themselves, i.e. the accredited investor definition.   The definition was crafted by the SEC back in the early 1980’s as the centerpiece of what has been the most utilized method for companies to raise capital in an offering not registered with the SEC, Regulation D. In simple terms, if a company wishes to raise capital without registering its offering with the SEC, it can utilize the Regulation D “safe harbor” created by the SEC to sell securities to both accredited…

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HEADLINE NEWS

VivaQuant is making a intriguing bet on equity crowdfunding  Star TribuneMaybe no one really said equity crowdfunding would one day be bigger than going public on Nasdaq, but whatever the expectation when equity crowdfunding ... [...]

Malaysia Turns to Property Crowdfunding as Banks Reject Loan Applications  BloombergMalaysia's government is turning to the wealth of the masses, instead of reticent banks, to help solve a $4.8 billion property overhang. [...]

Crowdfunding firm Prodigy is broke, former exec claims in defamation lawsuit  The Real DealA former exec is suing real-estate crowdfunding platform Prodigy Network, alleging that the company's "cash difficulties" are the fault of CEO Rodrigo Niño. [...]

Fundopolis partners with AlphaPoint to bring blockchain tech to equity crowdfunding  Yahoo FinanceBoston and New York. 15th May 2019 – Fundopolis, an equity crowdfunding portal built to support the entire funding lifecycle, and AlphaPoint, a provider of ... [...]

FTC sues 'iBackPack' founder for deceiving crowdfunding backers  EngadgetAfter a months-long investigation into the practices of the crowdfunding campaign for iBackPack, the Federal Trade Commission announced today that it will sue ... [...]

This crowdfunding firm just picked the carcass of RealtyShares  The Real DealThe remnants of RealtyShares — the now-defunct crowdfunding platform — have been scooped up by another real estate firm. New York-based iintoo acquired ... [...]

Affordable ways to make a stand-out crowdfunding campaign  economiaEquity crowdfunding is now a leading form of alternative finance. However, its growth and popularity has led equity crowdfunding platforms, such as Crowdcube ... [...]

John Zorn's Rebound From PledgeMusic's Implosion  NPRJohn Zorn, the prolific and brilliantly iconoclastic composer, realized a dream of sorts last year when he released The Book Beriah — a box set of 11 new albums ... [...]

Build crowdfunding momentum by first building trust  Knoxville News SentinelThese small business owners learned firsthand how to succeed with crowdfunding. Their lessons can give your own crowdfunding a boost. [...]

Lavender Country Has Launched a Crowdfunding Campaign to Release the Follow Up to the “First Gay Country Album”  Willamette WeekIn 1973, Patrick Haggerty wrote what's since been dubbed "the first gay country album." Forty years later, the Washington-born activist is on [...]

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