JD Alois

The Opportunity of Regulation A+ (Infographic)

A +

Final rules on Title IV of the JOBS Act, Regulation A+, were announced last week by the SEC. The rules will be available for companies interested in raising capital in a bit over 60 days.  There has been much speculation and discussion regarding the impact of what has been described as a mini-IPO like exemption… Read More

Aircraft Backed P2P Lender Ablrate Partners with SIPPClub

ATR Airplane Aircraft

Ablrate, a niche player in the peer to peer lending space that focuses on Aircraft backed securities, has announced a partnership with SIPPClub that is designed to enable sophisticated investors to invest in Ablrate loans through EvolutionSIPP. Self Invested Personal Pensions (SIPP) will assist the marketplace lender in sourcing loans. Ablrate has completed approximately £2 million… Read More

SoFi: Excessive Student Debt Hinders Aspiring Entrepreneurs

Funding Hurdle with Finish Line

Peer to peer lending platform SoFi recently published a statement on the challenges of young entrepreneurs.  We all know that making the decision to become an entrepreneur is an arduous task. Long hours and lots of risk.  It is not the chosen path for everyone but remains a vital source of economic growth, and job… Read More

Crowdfunding Mailbox: Rocketbook Cloud Integrated Notebook, Cloudsolar Solar Panels & Off Campus Podcast

Mailbox Featured 3.29.15

Paper is on its way. Newspapers, magazines, books are all migrating to digital forms of publishing – and this is a good thing. Only the very old and those set in their ways will attest otherwise. One realm of the paper world that persists is for taking notes, jotting quick diagrams or just scribbling pictures…. Read More

FACT SHEET: Regulation A+, Title IV of the JOBS Act

SEC Headquarters in DC

The Securities and Exchange Commission has put together a nice fact sheet on Title IV of the JOBS Act, commonly referred to as Regulation A+.  The final rules, available here, encompass a 450 page document sharing the process behind the decision making process.  The fact sheet is akin to Cliff Notes and provides a solid… Read More

Pebble Time: $20,338,986 in Crowdfunding, A Kickstarter Record

Pebble Time Crowned

The crowdfunding campaign on Kickstarter for Pebble’s new smartwatch has officially closed.  Pebble Time now stands as the most funded campaign ever on Kickstarter.  Pebble raised a total of $20,338,986 from 78,471 backers.  Pebble easily topped the previous record holder, Coolest Cooler, a   product that is now at a respectable 2nd place sandwiched in… Read More

Commissioner Gallagher: Title III Crowdfunding is “1970s East Germany”

Nva-ehrenwache East German Soldiers by Michail Jungierek

SEC Commissioner Daniel Gallagher gave a speech yesterday at the Vanderbilt Law School in Nashville. While the text of the speech is not yet available, Bloomberg has quoted  the Commissioner on Title III of the JOBS Act as being smothered by red-tape.  Effectively he is highlighting that a good policy idea has gone bad because crafted… Read More

Fundrise CEO Ben Miller: New Reg A+ is a “Goldilocks” Change in Regulatory Environment

The Fundrise Team Small

Fundrise, one of the first crowdfunding platforms in the United States, was an early innovator when it comes to real estate crowdfunding.  Founded by brothers Ben & Dan Miller, the pair started using old Regulation A to offer shares in small real estate deals. This was way back in 2010, years before the JOBS Act was… Read More

Worth Capital Cancels Future Gadget Competition

Future Gadget Show

Worth Capital has cancelled Future Gadget funding competition stating the businesses were not ready for crowdfunded investment. The initiative was designed to discover the “world’s next great gadget” by engaging entrepreneurs, in need of capital and to then help bring their product to market.  Worth has done similar competitions previously which were successfully completed. The funding was… Read More

Lufax CEO: Big Risk of Fraud in China P2P Lending

China Peer to Peer Lenders

Speaking on a panel discussion at the Boao Forum in southern China, the CEO of Shanghai Lujiazui International Financial Asset Exchange (commonly referred to as Lufax), Gregory Gibb, addressed the pressing issue of fraud. The peer to peer lending industry in China has experienced supercharged growth over the past few years but has been plagued by fraud and… Read More

Online Valuation Firm Equidam Updates Platform

valuation value balance scale euro

Netherlands based Equidam, an online company valuation platform, has released an update and complete re-design to its site that is described as a new “focus on value creation and growth”.  Equidam has operated for the past three years tackling a difficult issue of SME valuation when no easy method is available. The redesign is said… Read More

VPC Specialty Lending Adds Positions in OnDeck, Funding Circle & Others

One Pound UK £

VPC Speciality Lending Investments (LSE:VSL) has published a brief comment stating they have added investments in several direct lenders including OnDeck Capital, Funding Circle (USA), Upstart Network, Borro and Kreditech.  VPC has also provided a balance sheet loan to Applied Data Finance.  The company acquired these investments from private funds managed by the Company’s investment… Read More

Crowdfunding Asia Brings the Message of New Forms of Finance to Indonesia

Day Two Begins at Crowdfunding Asia Bangkok

Crowdfunding Asia will be visiting Jakarta, Indonesia next month delivering its message of the power and potential of crowdfunding to boost economies and create new jobs. Crowdfunding Asia held its first, very successful, conference in Singapore in August of 2014.  Several hundred finance professionals, investors, regulators, politicians and industry participants, gathered to share experiences and… Read More

China Experiences a Surge in Internet Banking

Chinese Peer to Peer Lending

Data published by the China Banking Association indicates a “surge” in internet banking.  According to a report in ECNS, individuals using online banking services has hit 909 million – an increase of 150 million compared to the year prior. Financial transactions totaled an astounding 60.85 billion during 2014 and increase of 22%, with 67.88% of… Read More

Indiegogo is Poised to Move Into Equity Crowdfunding

Slava Rubin 2014

With the release of final rules for Title IV of the JOBS Act, commonly referred to as  Regulation A+, all investment crowdfunding platforms are sizing up the opportunity and evaluating the shift in regulations.  But one sector is uniquely positioned to marry both perks and ownership: Rewards based crowdfunding platforms. While Kickstarter has been adamant they… Read More

Lookout Apple Watch: Olio Smartwatch Challenges Apple with High End Wearable Tech

Olio with Steel Band

Apple Watch has a new competitor and I am not talking about the Google/Intel thing.  This watch has been created by a former Apple employee and you can immediately see the design DNA in this incredibly crafted watch. Olio, positioned as a “boutique” watch company, has launched a smartwatch that puts design and materials at a premium –… Read More

Funding Circle & Lancashire County Council Partnership Boosts 230 Local Businesses

Lancashire County Council

Peer to peer lender Funding Circle and Lancashire County Council have shared some data points on their partnership to provide capital to local businesses.  According to the pair, Lancashire County Council has directed over £1.5 million to 230 different companies.  The arrangement between the two entities was launched 2 years ago with the Council providing… Read More

Orchard Forms Partnership with Kabbage Channeling Institutional Money to Loans

Orchard Bricks

Orchard, the company that added rocket fuel to peer to peer lending platforms like Lending Club and Prosper, has announced a new partnership with Atlanta based Kabbage a provider of consumers and small business loans. Kabbage just announced earlier this week a licensing agreement with Kikka Capital in Australia so they are having a busy… Read More

Crowdcube Spain Has Now Raised Over € 1 Million for SMEs

Crowdcube Spain Espana

Launched last summer, Crowdcube Spain has surpassed € 1 million raised for small companies hitting a milestone for the young company.  To date 6 companies have successfully raised funds on the site. One of the companies raising capital on Crowdcube was HEMAV, a Barcelona based drone company which now claims the title of largest equity… Read More