SEC

Just another day…..

  By Steve Cinelli , CrowdFund Beat Sr. Editor, @stevecinelli Quite the events in the marketplace finance sector over the last week.   Originally icons, now fallen stars, Lending Club (LC), OnDeck Capital (ONDK) and Prosper (PSPR) are exhibiting possible growing pains or even further symptoms of a more serious condition, namely questionable business models. It seemed only yesterday that firms such as Goldman Sachs and execs like Jamie Dimon expressed anxiety about the challenges to the conventional banking business that these new models would bring on.  Deal and profit erosion was the concern as these nascent yet compelling platforms were accomplishing what the banking industry couldn’t,…

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Why VCs Do Not Like Equity Crowdfunding

By Howard Marks Executive Chairman and co-founder at StartEngine Crowdfunding CrowdFund Beat Guest Post, In April 2012, President Obama signed the JOBS Act and announced that Americans will now have access to the capital they need from ordinary investors. Yet the media received the declaration quietly — meaning most U.S. citizens remained blissfully unaware of this revolutionary new regulation. The venture capital industry is probably one of the most vital sources of risk capital for our economy. It has produced the industry giants that command worldwide success: Google, Apple, Microsoft, etc. Without VC, most of those businesses would have never existed. Moreover, VCs have significantly contributed to our country’s technological success. Most people…

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Blue Sky, Regulators, Crowdfunding and “The Crowd”

Blue Sky, Regulators, Crowdfunding and “The Crowd”

By Paul Niederer Founder Raiseworth, CrowdFundBeat Sr. Guest Editor, What the crowdfunding industry has taught us worldwide is that “the crowd” will “out” a bad actor long before any of the regulators do. Regulators came out of the USA “blue sky” laws written state by state between 1911 and 1931. In these times there was no internet, little communication from town to town, regulators used broad laws to catch bad actors when they needed to, and when they found them. They may have got “tip offs” but as can be seen in this article the regulator often chooses their target.           It was…

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State of the Nation

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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IRA Services Launches P2P Lending’s First Cloud-based API Driven Retirement Investment Solution

CrowdFund Beat News Wire,           San Carlos, CA — (April 6, 2016) – IRA Services, the leading provider in custodial trust solutions for non-exchange traded investing, is pleased to announce that it will be unveiling the ISCP™, the first and only real-time cloud-based API driven retirement investment solution for the P2P industry, at LendIt 2016, the world’s largest conference connecting the global online lending community taking place on April 11-12 at the San Francisco Marriott Marquis. The ISCP ™ allows real-time access to over $12 trillion dollars of capital for the P2P industry by providing platform investors with the ability to effortlessly fund…

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Guide to Investment Crowdfunding and the JOBS Act

by Geri Stengel Less than 1% of all companies in the United States finance their operations through venture capital. For the other 99%, the Securities and Exchange Commission (SEC) and many state regulators are loosening the rules and regulations regarding raising money from accredited investors and the general public. An Introduction to the JOBS Act Congress approved the Jumpstart Our Business Startups (JOBS) Act with tremendous bipartisan support on April 23, 2012. The act provides a framework for public solicitation and advertising of a company’s securities offering via equity crowdfunding platforms. Over the following three and half years, the SEC began to put into place…

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Defining an Accredited Investor

By Chris Rohde Wealthforge,  Crowdfund Beat Guest post,  In the world of private placements under Regulation D, there are many questions that must be asked in the process of conducting a successful offering. However, one question rises above the rest: “Is the investor an accredited investor?” Answer yes, and the investor may enter the offering. Answer no, and the investor is likely sent packing. So, what is an “accredited investor” exactly? Under Regulation D, there are several categories of accredited investors. While all of these are laid out in the rule, in particular 17 C.F.R. 230.501, most individuals who invest in a Regulation D offering accredit via…

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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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REG A+ Elio Motors: The company now has a $1B market value at OTCQX

By Jonathan B. Wilson  partner in the Atlanta business law firm of Taylor English  CrowdFundBeat Sr. Guest Editor, Elio Motors (OTCQX: OTCM), one of the first companies to use the expanded offering potential in Regulation A+, has listed its securities for resale on the OTC QX market. “We are proud to welcome Elio Motors, the first company to raise capital online and go public on OTCQX under the JOBS Act Regulation A+,” said Jason Paltrowitz, Executive Vice President of Corporate Services at OTC Markets Group. “OTC Markets Group welcomes innovators and entrepreneurs and is proud to offer the market of choice for the new generation of…

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Equity Crowdfunding But Whose Crowd Is It?

by Paul Niederer CrowdFundBeat Sr. Contributing Editor, This article with an Equity crowdfunding headline got me thinking. First equity crowdfunding deal in Australia for 2016 raises more than $675,000 To an entity getting funded to the tune of $675,000 is a great achievement. For a platform to facilitate this is also a great achievement. Well done! However the phrase “With three days still remaining, it has raised $675,000 from 15 wholesale investors” shouldn’t be the substance for a headline like “First equity crowdfunding deal in Australia for 2016 raises more than $675,000”. Even before the words equity crowdfunding evolved an entity could always receive $675,000 from 15…

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4 Key Equity Crowdfunding Campaign Communication Strategies

4 Key Equity Crowdfunding Campaign Communication Strategies

Epi Ludvik Nekaj 宇 赫 Founder & CEO at Crowdsourcing Week, What does it take to communicate an equity crowdfunding campaign successfully? How to best rally your own crowd of fans to action as well as grab the attention of new potential investors? Here are the top communications takeaways we gained during Crowdsourcing Week’s equity crowdfunding campaign.           #1) Build systematic internal and external communication channels Communication is your lifeline when launching a crowdfunding campaign. If you already have your set of rules on internal communication, you must also take into considerations the external communication system to your community – which is…

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“Title III Equity CrowdFunding” Regulation & Registration

“Title III Equity CrowdFunding” Regulation & Registration

By Martin Tate, Partner CARMAN LEHNHOF ISRAELSEN LLP, CrowdFund Beat   Sr. Guest  Contributor, On November 16, 2015, the Securities and Exchange Commission (“SEC” or “Commission”) approved new rules, regulations and forms to permit companies to offer and sell their securities through approved crowdfunding portals in reliance on the exemption under Section 4(a)(6) of the Securities Act of 1933 (“Securities Act”).  These new rules implement the requirements of Title III of the Jumpstart Our Business Startup (“JOBS”) Act.             The Commission set forth the regulatory framework for registration of crowdfunding intermediaries, which include broker-dealers and certain intermediaries established solely to facilitate crowdfunding transactions, referred…

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ForbesHow This Millennial Built A 7-Figure Business Using Equity CrowdfundingForbesJules Schroeder , Contributor I write about millennials following nontraditional paths Opinions expressed by Forbes Contributors are their own. Most people I talk to are astonished when I tell them I sp [...]

Entrepreneur3 Crowdfunding Tips Every Company Forgets From a Brand That Raised $800000 and Got AcquiredEntrepreneurCrowdfunding takes a lot of planning, whether you're gearing up for a launch, a ship date or thinking about the next source of funding you'll pursue. But it [...]

Boing BoingCrowdfunding for medical costs is turning health-care into a reality-TV competitionBoing BoingIt's a sad -- if gripping -- document of the wildly inefficient, friction-hot mess of medical care in the US, where one-fifth of household spending is lavished on healthcare, [...]

Youris.comApproaching energy crowdfunding with eyes wide openYouris.comFor example, in Germany cooperatives have always been important in financing small-scale solar energy. And if you look at all the renewables capacity in the country, I think more than 50% is in the hands of private [...]

Telegraph.co.ukBrewDog keeps the taps open after hitting £10m crowdfunding markTelegraph.co.ukPunk IPA maker BrewDog has surpassed its £10m crowdfunding target but opted to extend the deadline in a bid for even more cash.BrewDog extends crowdfunding deadline after raising £11.3m - BBC [...]

VentureBeatIndiegogo moves beyond crowdfunding to help startups with manufacturingVentureBeatIndiegogo made its name as a crowdfunding site where startups could get cash for their big dreams. But the San Francisco company is moving beyond that idea to helping startups with design for [...]

Comics BeatCrowdfunding Watch: Curiously Cute Critters and a Cyberpunk CollectionComics BeatI recently returned from the Penny Arcade Expo (PAX) in San Antonio, Texas and I can't stop thinking about the games I saw. From the interactive love story Florence to Tunic, a story about [...]

Entrepreneur12 Key Strategies to a Successful Crowdfunding CampaignEntrepreneurI've Raised Close to $2 Million in Crowdfunding Campaigns -- Here Are My Secrets · Next Article. 12 Key Strategies to a Successful Crowdfunding Campaign. Image credit: Shutterstock · Aj Agrawal • Contr [...]

EntrepreneurLive at CES: Indiegogo CEO Predicts What's Next for CrowdfundingEntrepreneurAt CES, hundreds of companies of varying sizes and stages can attribute crowdfunding platforms to their funding, product design and success. One of those being Indiegogo. Founded in 2007, the [...]

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