P2P

Did a Tech Bubble Just Burst in the Midst of a FinTech Revolution?

Did a Tech Bubble Just Burst in the Midst of a FinTech Revolution?

by Dara Albright, CrowdFunding Beat Sr. Guest Editor, Co-founder of the FinFair Conference, For the past few years I have been renouncing any indication of a tech bubble and instead have been spewing the notion that we are in the midst of a Financial Revolution. But now as the stock market crumbles, the IPO market dries up, as venture capitalists grow much more selective, as valuations of tech studs like LinkedIn are being slashed in half, and with FinTech leaders like Lending Club down over 65% since its public debut, a lot of people have been asking me whether my stance has changed.         The only…

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What “Solicit” Means Under Title III

By Mark Roderick , CrowdFund Beat   Sr. Guest  Contributor, @CrowdfundAttny. Before the JOBS Act came along, listing a security on a public website would itselfhave been treated as an act of “solicitation.” That’s the odd thing: Title III portals aren’t allowed to “solicit,” yet in the traditional sense of the term that’s the most important thing Congress created them to do.         The fact is that Congress was ambivalent when it created Title III portals. They are allowed to list offerings of securities, but are not allowed to do other things often associated with the sale of securities, including holding investor funds or offering investment advice. They…

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Key Lessons From Two Successful Crowdfunding Campaigns

Key Lessons From Two Successful Crowdfunding Campaigns

by Paul Niederer CrowdFundBeat Sr. Contributing Editor No doubt you’ve heard about crowdfunding. What you might not realize is that there are many forms of crowdfunding and each type is used in a myriad of ways. Rewards, Equity, Donation and Lending. However, they all have this in common. They gather supporters that are both near and dear to them so that these supporters broaden the campaign far and wide. The more traction that the near and dear create the more successful the campaign. Let’s look at the two types:           Reward: Basically pre-sales of products that need funding and supporters to be produced.…

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Report: China Internet Crowdfunding and Wealth Management Industry

Report: China Internet Crowdfunding and Wealth Management Industry

CrowdFundBeat News Wire, LONDON, Jan. 11, 2016 /PRNewswire/ — Main business models of Internet finance include: (1) third-party payment; (2) network lending (P2P and network microcredit); (3) crowdfunding; (4) Internet wealth management; (5) Internet consumer finance; (6) virtual currency; (7) Internet financial portal; (8) guarantee; (9) credit investigation system. The report focuses on Internet crowdfunding and Internet wealth management industries. Crowdfunding Industry Crowdfunding refers to the model that project sponsors release their creative ideas on Internet platforms to raise funds and, in return, give investors material objects, services or equities. It includes mainly rewards-based crowdfunding, equity-based crowdfunding, and donation-based crowdfunding. The first crowdfunding platform appeared…

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Lending Club Opens to Retail Investors in Selected Cities

CrowdFundBeat News Wire, SAN FRANCISCO, Nov. 23, 2015 /PRNewswire/ — Lending Club (NYSE: LC), the world’s largest online marketplace connecting borrowers and investors, announced today that its marketplace is now available to retail investors in Alabama, Kentucky, Michigan, and Washington, D.C., bringing the total number of states open to retail investors to 42 plus the District of Columbia. Lending Club’s platform was previously available to accredited investors only in Kentucky. “Individual investors continue to be key to the long term growth and efficiency of the Lending Club marketplace, and are fueling many of the network effects that have helped the platform to double again over the…

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Crowdfunding Title III of the JOBS Act and where we are Today

Bu Eddie Edwards Real Estate Investor Crowdfunding Consultant, CrowdFundBeat Guest post So we are all excited and getting the word out about the new opportunity that the passing of Title III will have upon the capital formation and Investor protections as mandated by the signing of the April 5 2012 JOBS Act. Title III is the last of these mandate to be signed and implemented by the SEC; Title II (Reg D) implemented September 23, 2013 and Title IV, (Reg A+) have been implemented March 25, 2015. This passing will shake up the financial world as it gives the  green light for non accredited investors to invest…

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SoFi Raises $1Billion from SoftBank.

CrowdFundBeat News Wire,  SAN FRANCISCO and TOKYO , September 30, 2015 / PRNewswire / – SoFi , one of the lenders of loans between individual leaders of the country and the SoftBank Group (“SoftBank”), today announced funding of USD 1,000 million Series E led by SoftBank, marking the largest single funding round industry Fintech to date. Among the investors who are part of the round are Third Point Ventures and affiliates of Third Point LLC, Wellington Management Company LLP, Institutional Venture Partners (IVP), RenRen, Baseline Ventures, DCM Ventures, among others. The financing will accelerate the growth of SoFi as the main partner of financial services…

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UC Berkeley Report on Peer-to-Peer Crowdfunding

CrowdFundBeat News Desk< INFORMATION AND THE POTENTIAL FOR DISRUPTION IN CONSUMER LENDING BY ADAIR MORSE1 HAAS SCHOOL OF BUSINESS, UNIVERSITY OF CALIFORNIA AT BERKELEY AND NBER Can peer-to-peer lending (P2P) crowdfunding disintermediate and mitigate information frictions in lending such that choices and outcomes for at least some borrowers and investors are improved? I offer a framing of issues and survey the nascent literature on P2P. On the investor side, P2P disintermediates an asset class of consumer loans, and investors seem to capture some rents associated with the removal of the cost of that financial intermediation. Risk and portfolio choice questions linger prior to any inference.…

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What Every CRE Professional Needs to Know About Raising Private Capital

What Every CRE Professional Needs to Know About Raising Private Capital

By Gray Gilchrist, wealthforge, CrowdFundBeat Guest post, Online private placements, commonly referred to as “crowdfunding”, have been a major theme in the current real estate cycle. Recent changes to the Securities Act of 1933, including Regulation D Rule 506(c), have opened new funnels to raising private capital via general solicitation, giving way to the online private placement industry. Online private placement platforms host a variety of real estate deals, including everything from single family fixers for less than $250K to multi-million dollar equity purchases of prime real estate. As raising private capital online continues to gain momentum, commercial real estate professionals need to understand the…

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U.S. Treasury Looks Into Online Lending Industry

U.S. Treasury Looks Into Online Lending Industry

CrowdFundBeat News Wire, The U.S. Treasury Department on Thursday opened a study of the online marketplace lending industry, in one of the first federal forays into the fast-growing sector that is an evolving alternative to traditional banking. WJC Public Input on Expanding Access to Credit Through Online Marketplace Lending A Notice by the Treasury Department on 08/18/2015 https://www.federalregister.gov/articles/2015/08/18/2015-20394/public-input-on-expanding-access-to-credit-through-online-marketplace-lending?utm_content=header&utm_medium=slideshow&utm_source=homepage DEPARTMENT OF THE TREASURY Public Input on Expanding Access to Credit through Online Marketplace Lending AGENCY: Office of the Undersecretary for Domestic Finance, Department of the Treasury. ACTION: Notice and request for information. SUMMARY: Online marketplace lending refers to the segment of the financial services industry that…

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How B2B Crowdfunding Turns Into a Good Marketing Tool?

How B2B Crowdfunding Turns Into a Good Marketing Tool?

CrowdFundBeat News,  By buyerparty.com Crowdfunding is the platform for displaying corporate image which helps corporation to build connection with users based on the campaign that totally different with corporation’s official website. Over the past few years, combining crowdfunding with marketing became a trend with the increasing popularity of Crowdfunding Concept. Some notable crowdfunding platforms perform well in the marketing way, such as kickstarter, Indiegogo, Buyerparty, Taobao Crowdfunding and Jingdong Crowdfunding. For the businessmen in the international trade industry, Kickstarter, Indiegogo and Buyerparty, these crowdfunding platforms offer them more ways to do sale and marketing.         In a broad sense, some campaigns on social media…

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Shelf Offerings Under Regulation “A PLUS”

by Charles Kaufman, CrowdFundBeat  contributing guest editor , securities counsel at Homeier & Law P.C., Among their less heralded innovations, the JOBS Act regulations allow an issuer to make public “shelf” offerings under so-called “Regulation A Plus” – to qualify an offering memorandum with the Securities and Exchange Commission (SEC) now, and then issue the securities later or continue issuing them over a prolonged period. In the world of public companies and their register SHELF OFFERINGS UNDER REGULATION “A PLUS red offerings under the Securities Act of 1933 (the “Securities Act”), shelf registrations have developed into an important capital-raising tool. An eligible company may file a registration…

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HEADLINE NEWS

Types of Crowdfunding for your Small Business  Small Business TrendsFor small businesses looking to bypass traditional sources of financing, crowdfunding is a great choice. Here's a quick primer on the types of crowdfunding. [...]

Northern Monk completes rebrand after £1.5m crowdfunding campaign  The Drinks BusinessLeeds-based brewery Northern Monk has completed a rebrand of its range and released new gluten-free and low-alcohol beers after raising £1.5 million in 13 ... [...]

Crowdfunding offers promise for women and junior academics  Times Higher Education (THE)Study's authors suggest women are better able to communicate the value of science to score public donations. [...]

Unpaid Fyre Festival Cook Wins Back Life Savings From Crowdfunding Campaign  TheWrapMaryann Rolle, who appeared in Netflix documentary "Fyre," earned over $139000, surpassing her $123000 fundraising goal. [...]

How To Set Yourself Up For Crowdfunding Success  ForbesIf you want your crowdfunding venture to become a wild success, it's important to prepare to give yourself the best shot. [...]

How Crowdfunding Works For Entrepreneurs  ForbesHow does crowdfunding work for startup entrepreneurs? Crowdfunding exploded onto the internet a few years ago. Since then early platforms like Kickstarter ... [...]

Woman crowdfunding to have vaginal mesh removed  BBC NewsVictoria Adams is crowdfunding to have it removed after the NHS refused to do so. [...]

Syrian refugee attack: Boy's family crowdfunding to sue Tommy Robinson and Facebook over 'defamation'  The IndependentLawyers representing a Syrian boy who was attacked at school are crowdfunding to sue Tommy Robinson and Facebook. Footage of the 15-year-old victim ... [...]

How Crowdfunding Is Helping Homeless People Turn Their Lives Around  ForbesUK-based tech startup Beam has developed a crowdfunding platform that's helping homelessness people upskill and pursue successful careers. [...]

CRE Crowdfunding Platforms Must Focus on Realistic Returns  National Real Estate InvestorCRE crowdfunding platforms need to focus on stringent underwriting and transparency to avoid misleading investors about potential returns. [...]

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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 |