JD Alois

The Growing Peer to Peer Lending Market (Audio)

I love Peer to Peer Lending P2P

The embedded audio below is from a periodic segment produced by the Economist as part of their “Money Talks” series.  This specific session recorded earlier this month touches on China and the booming stock market,  Peer to Peer Lending Market and the rise in dollar denominated debt. The discussion was held just prior to the IPO of Lending… Read More

This Presentation Shows How Huge the Reg D Private Placement Market is in the US

Public vs Private Capital Raising

The presentation below was created by SEC Senior Financial Economist Vladimir Ivanov and incorporates data on the private placement securities market through 2013.  While there are other available reports the research provided by Ivanov is probably the best.  Prior to his first review in 2012 no one really knew how significant private placements are to… Read More

Dreamfund CMO Shares 2015 Predictions for Crowdfunding

Peter Crosby

It is that time of year for predictions.  Usually they are good read and of course no one remembers them 12 months later unless you happen to get one right and then you remind everyone. Regardless, we love them as do the readers.  So this time around we have received some perspective from Dreamfund CMO… Read More

StoneTether Tracking Device Rockets on Kickstarter

StoneTether Tracking Device Featured

Del Marth LLC, the manufacturers of StoneTether, a new wireless tracking device, has experienced staggering success crowdfunding on  Kickstarter.  The campaign launched with a goal of  only $15,000 but closed over $366,000 as nearly 7000 backers helped to fund the project. As previously reported, StoneTether is a micro-device that provides improved distance with a tracker that is about the size… Read More

Lunar Mission One Set to Voyage to the Moon After Successfully Crowdfunding on Kickstarter

Lunar Mission One Kickstarter

Kickstarter staff pick and space fan favorite Lunar Mission One successfully hit its crowdfunding goal raising over $1 million with the support of over 7200 backers.  Called the “most inspirational mission to the moon since the Apollo landings” the crowdfunded project hopes to send a unmanned craft to the South Pole of the Moon exploring… Read More

NASAA Launches Electronic Filing Depository for Form D, Rule 506

NASAA Logo

The North American Securities Administrators Association (NASAA) has launched their online Electronic Filing Depository (EFD) directed towards the regulatory filing process for certain exempt securities offerings. Developed by NASAA, EFD is an online system that allows an issuer to submit a Form D for a Regulation D, Rule 506 offering to state securities regulators and pay… Read More

Elon Musk’s Concept Hyperloop Said Closer to Goal of Creating High Speed Mass Transit

The Hyperloop on JumpStartFund

Hyperloop Transportation Technologies, Inc. founded by JumpStarter Inc., announced today the crossing of several milestones, bringing the company closer to the goal of creating a working high-speed mass transit system.  Elon Musk shook the world of mass transportation when he unveiled his concept for a high speed transportation system described as faster, safer, cheaper and… Read More

Nesta: 2015 Will See a High Profile Blow Up in the World of Crowdfunding, P2P Lending

Photo courtesy http://www.flickr.com/photos/zigazou76/

  The highly respected innovation charity Nesta, has published its annual list of predictions for 2015.  We all know that predictions are easily given and quickly forgotten.  More fun than fact that hopefully gives a good read while providing some perspective.  This year the soothsayers at Nesta are predicting a “blow up” in crowdfunding and… Read More

Brief: PropFunds Crowdfunds Bridge Loan for Luxury Homes

james-aldrich

Real estate crowdfunding platform PropFunds has just funded a bridge loan of $750,000 for a luxury home development in Hidden Hills, CA. According to the company the loan to value does not exceed 65% and the annualized return to the investors should be 11.25%. The investment was made in one of the Southern California region’s… Read More

SEC Submits Changes to Exchange Act Registration Requirements Moving Forward on Title V & Title VI of JOBS Act

SEC Securities and Exchange Commission Green

As part of the JOBS Act, the SEC has proposed amendments that addresses Title V and Title VI of the Act.  The revised rules relate to the thresholds for registration, termination of registration, and suspension of reporting under Section 12(g) of the Exchange Act. The SEC will seek public comment on the proposed rule amendments for 60… Read More

Local Peer to Peer Lender Folk2Folk Hits £40 Million in Loans

Folk2Folk hits 40 milion

Folk2Folk, a locally focused peer to peer lending platform, has passed a bit of a milestone.  The P2P site has now originated over £40 million in loans with a default rate of zero. Folk2Folk is the future of finance.  The company is targeting local businesses in need of funding.  Small companies ignored by local banks… Read More

OneSpark Crowdfunding Festival Receives Recognition as Top Festival

OneSpark Top 300 Festival

One Spark was named one of the top 300 festivals to attend in the world by Fest300 Magazine this month according to an announcement by event officials. Apparently Fest300 crowdsourced the final 30 festivals on their list, and, thanks to supporter’s votes, was voted 21 out of over 120 entries. “One Spark is honored to be among… Read More

Lending Club Now Available for Investors in Massachusetts

Lending Club HQ

Lending Club (NYSE: LC), the  first publicly traded peer to peer lending platform, continues its expansion across the United States.  The company has shared its platforms is now available for investors based in Massachusetts.  All peer to peer lending platforms must deal with a wide variety of state regulations.  To be able to loan or… Read More

European Crowdfunding Network Reviews Global Crowdfunding Regulations

Oliver Gajda ECN Paris

The European Crowdfunding Network (ECN), an advocacy group based in Brussels, has published their annual report reviewing crowdfunding regulations in Europe, the United States, Israel and Canada. “Since we have started our work in 2012 and especially since our first edition of this paper in 2013, the discussion around crowdfunding has resulted in detailed regulatory… Read More

Investment Platforms Featured as Top Fintech Innovators by KPMG.

KPMG 50 Fintech Innovators

Crowdfunding platforms including Peer to Peer lenders have swarmed KPMG’s list of Fintech Innovators for 2014. The annual list compiled by global accounting and consultancy group KPMG includes a vast group of new funding platforms including crowdfunding and peer to peer lenders. Equity crowdfunding platforms on the list include; OurCrowd, CircleUp, AngelList, Crowdcube and Seedrs…. Read More

Zano Zooms! Now Over $1.3 Million Crowdfunding on Kickstarter

Zano and iPhone

I have come to the conclusion we will all soon own our own personal drones.  No longer the realm of futuristic films, smart drones (or somewhat smart drones) are now a reality.  Attending WakeStock this past summer I was impressed to see the aerial acrobatics all captured up close with a remotely controlled camera in… Read More

ESMA: Investment Crowdfunding Needs EU Wide Approach

Europe Crowdfunding Regulations

The European Securities and Markets Authority (ESMA) has published an Opinion along with an Advice on investment crowdfunding. The ESMA is an independent EU authority that works closely with other EU supervisory authorities such as the EBA, EIOPA and the ERSB.  The organizations mission is to enhance investor protection and promote a well functioning financial market… Read More

Report from Landbay: Lending to Buy-to-Let landlords Offers a Low Risk Alternative to Other P2P Platforms

Landbay research on mortgages

Landbay, a peer to peer lending platform that targets the buy-to-let market (or rental real estate sector), has commissioned a research report provided by Wriglesworth Consultancy to review their market niche.  The publication titled Democratizing Mortgage Lending has just been released. The published results, as shared by Landbay, state that for the cautious saver looking… Read More

Commissioner Gallagher: “I still do not believe that we need to be spending our time ‘protecting’ millionaires”

Daniel Gallagher at SEC Small Business Advisory Committee

Earlier today at the offices of the SEC the Advisory Committee on Small & Emerging Companies held their first meeting in quite some time.  The appointed pro-bono group is convened at the invitation of SEC Chair Mary Jo White. This diverse gathering of professionals is tasked to advise the Commission on the very important issues… Read More

Luke Lang: “Banks will continue to fail SMEs”

Luke Lang Crowdcube

Crowdcube CMO and co-founder Luke Lang has distributed a list of predictions for 2015.  These largely apply to the market in the United Kingdom but the there is much overlap as the themes have merit around the globe.  First and foremost is the simple fact that existing financial institutions have failed in their mission to… Read More