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Targeted IRRs in Crowdfunding

By Mark Roderick CrowdFunding Beat  Sr. contributing editor and crowdfunding attorney with Flaster/Greenberg PC.   Targeted internal rate of return, or IRR, is used widely to advertise deals on Crowdfunding sites, real estate and otherwise. While target IRR means something to sophisticated sponsors and investors, its widespread and uncritical use makes me a little uneasy, for the following reasons: If pressed, many people don’t know what IRR really means. Investors assume that a higher IRR is better than a lower IRR, but many couldn’t explain exactly why or how. IRR can be misleading. For example, a bond purchased for $100 that pays interest of $10 at the end…

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HR 3784 – SEC Office of Small Business Advocate – Is Now the Law of the Land

By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate On December 16, 2016, President Barack Obama Signed into Law HR 3784 – SEC Office of Small Business Advocate, creating an independent Office of Small Business Advocate at the SEC, reporting directly to the full Commission and Congress. This legislation was first introduced into Congress in October 2015, where it was originally co-sponsored by former House Representative John Carney (D-Del) (now Governor-Elect of the State of Delaware) and Congressman Sean Duffy (R-Wisc) and was passed unanimously by the House of Representatives in 2016. It was passed unanimously by the U.S. Senate on December 9, 2016,…

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Busted!  SEC Targets Reg A+ Marijuana Company, Med-X, in Administrative Proceeding.

By Samuel S. Guzik, CrowdFundBeat special guest editor,  Guzik & Associate The Regulation A+ industry was buzzing this week – not with excitement, but with a healthy dose of trepidation.  One of the first, high (no pun intended) profile Regulation A+ offerings, launched in November 2015, after a seemingly successful “Testing the Waters” campaign, was for a company called Med-X, a startup formed to participate in the newly burgeoning marijuana industry – the so called “Green Rush.” But this month’s headline for Med-X was a bit more sanguine, enough to counteract even the most potent dosage of THC:  “REGULATION A EXEMPTION OF MED-X, INC. TEMPORARILY SUSPENDED.” …

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Understanding Reg CF: Discussing financial results

Understanding Reg CF: Discussing financial results

By Sara Hanks , CrowdFundBeat  Sr.contributing Guest Editor  CEO/Founder, CrowdCheck, Inc. As we have previously discussed, the Regulation CF disclosure requirement for thefinancial condition of the issuer has the potential to get inexperienced companies in trouble. It is in this section of the disclosure that optimistic entrepreneurs may provide misleading information by not providing the full details of performance measurements, or by not including information on the assumptions underlying any financial projections. Such statements may be misleading in their own right, or may omit information necessary to make the provided information not misleading – also known as securities fraud(link is external) (see paragraph (c)). As we have…

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4 Crowdfunding Tips for Women Entrepreneurs

By Rayanne Dany CrowdfundBeat Media Gust Post. When joining the entrepreneurial journey as a woman, you must be well aware of the fact that how difficult it is to make your mark as an entrepreneur in the male-dominated world of business. It is also a fact that most male funders are notoriously slow in investing in women-led startups.   Luckily, women don’t have to stick to the traditional ways of finding the funds for their business. There is Crowdfunding for them, and it is getting popular every passing year. Crowdfunding is a great way for women to pave their way into the business realm. There…

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REPORT: Is Marketplace lending A temporary phenomenon?

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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What’s Seed Equity CrowdFunding, known as “REG CF Title III”?

By Rod Turner  founder and CEO of Manhattan Street Capital, Crowdfund Beat  Guest Editor, The SEC’s new Title III Equity CrowdFunding rules went into effect May 16th. These new rules expand Equity CrowdFunding to allow investors at all wealth levels to invest in startup companies. In June 2015, the SEC also enabled groundbreaking new rules called Regulation A+ which allow anyone to invest in startups and more established companies that need to raise up to $50 million. The capital raising landscape is making its biggest shift in decades. We now have an online fund raising continuum that extends from startups raising seed capital of as…

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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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5 High-Risk High-Return Alternative Investment Options

By John Smith CrowdFundBeat Guest Post, Investing in modern alternative versions of stock can be a double-edged sword. It’s a very lucrative but highly risky way to make a difference in your life by getting huge returns on your investments. What you’re going to invest is entirely up to your personal tastes and gut-feelings; because these days, companies, businesses and initiatives come and go like the wind. The ones that remain on their feet have somehow managed to prove that the game works, so why not give it a shot at some of the best alternative investment options and see how it goes? Just make…

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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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Why Investors Should Consider Investing in Managed Futures

Why Investors Should Consider Investing in Managed Futures

By James Suh , Business Development at DarcMatter, CrowdFundBeat Guest Editor, Garnering increased attention for their potential to provide absolute returns, commodity trading advisors (CTAs) have enjoyed a recent spike in asset growth over the years. Today, managed futures programs are too prominent an asset class to remain the domain of institutional investors. Below is a primer designed to help investors navigate the complex landscape of managed futures as well as evaluate the merits of adopting them for portfolio diversification purposes. What Are Managed Futures? Simply put, managed futures are a set of strategies that trade futures contracts and options in financial instruments and physical commodities. Managers…

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Report on Regulation A+ Primer

Report on Regulation A+ Primer

By Mark Roderick , CrowdFund Beat   Sr. Guest  Contributor,  Regulation A has labored in obscurity for more than 50 years, an unsightly and forgotten understudy to glamorous headliners like Rule 506. All that changed March 26, 2015, when Regulation A, draped in finery and even given a new name boasting its excellence, stepped into the spotlight, cameras clicking and flashbulbs popping. In the Regulation A+ Primer, I hope to provide practical guidance on the new star of the Crowdfunding universe.                 FULL REPORT PDF FILE  on  Regulation A+ Primer   Mark Roderick is spearheading Flaster/ Greenberg’s Crowdfunding Practice. He speaks and writes regularly on…

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HEADLINE NEWS

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NPRAfter Outcry, Crowdfunding Site Patreon Backs Off Plan To Raise ...NPRThe popular crowdfunding service Patreon has backed off plans to change its payment structure, after widespread, vocal and passionate opposition from creators and their fans. Last week, the site announced it woul [...]

ForbesCrowdfunding Do's And Dont's From iFundWomen's Karen CahnForbesDuring our conversation, she was transparent in sharing that her first software company, VProud, failed because she “did everything backwards” and spent too much time trying to perfect the product. “Pe [...]

TechCrunchHow hate speech crowdfunding outfit Hatreon crept back online ...TechCrunchIf you want to make a living creating white supremacist content, you're probably not going to do it via sites like Kickstarter and Patreon, which prohibit hate speech. Fortunately there's Ha [...]

Aberdeen Evening ExpressFierce Beer smash crowdfunding target in bid to open first bar in AberdeenAberdeen Evening ExpressAn Aberdeen brewery has hailed the “incredible” response to a crowdfunding campaign after it smashed the original £60,000 target in just 24 hours. The Evening Expr [...]

EntrepreneurWhy Some Small Business Owners Are Turning to Crowdfunding to Save Their CompanyEntrepreneurMany owners of beloved local businesses, especially in pricier cities, have been forced to swallow their pride and appeal to their customers in times of crisis -- a process streamli [...]

Japan TodayZoo starts crowdfunding campaign to protect endangered birdJapan TodayA Toyama zoo has launched a crowdfunding campaign to collect funds to protect an endangered Japanese bird designated as one the nation's special natural treasures. To supplement funding from the stat [...]

Crowdfunding For French CastlesNPRYou too can own a French chateau, in part, anyway. Romain Delaume, CEO of Dartagnans, tells NPR's Scott Simon about a crowdfunding effort underway to preserve La Mothe-Chandeniers. SCOTT SIMON, HOST: What if I told you that for about $60, you cou [...]

Born2InvestHere are the latest updates on the crowdfunding industryBorn2InvestWhen pressed for the reason behind the move, the company pointed to their charter which states that Kickstarter is committed to the arts and creative projects. Another provision in the charter shows that the [...]

TechCrunchFormer Gawker employees are crowdfunding an effort to buy Gawker.comTechCrunchWhile Univision acquired most of Gawker Media's sites last year (and renamed them as the Gizmodo Media Group), the deal didn't include Gawker itself. In fact, BuzzFeed reported last month [...]

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