Tagged: perspective

In or Out? It is ALL About the Brexit. Jeff Lynn of Seedrs Responds

Jeff Lynn Brexit Quote 2

      History will be made tomorrow (June 23, 2016) as the United Kingdom will decide whether to remain, or depart, the European Union. Popularly called the “Brexit” (or Bremain), if the UK departs the second largest market in the world will take an… Read More

Three Ways Crowdfunding Empowers Women & Minority Entrepreneurs

Define Empower

As I wrote last week, Yemani Mason is the founder and CEO of a new real estate crowdfunding platform called VestMunity. He is an innovator offering a hub for regular folks to access investment opportunities previously out of reach, in this case, the rehabilitation and… Read More

Singapore: Offline to Online Private Placements Portals

Singapore Skyline

This is interesting. The Monetary Authority of Singapore (MAS), a typically conservative government agency, has just released its proposal regarding raising capital online, including a guide on General Solicitation with examples for restricted and unrestricted platforms.  MAS has waved its digital wand over the private… Read More

Testing the Waters is ALL About Transparency

Testing the Waters Swimming

Testing the Waters, or TTW as it is called, is being successfully leveraged during Reg A+ crowdfunding campaigns. The concept is pretty simple.  For issuing companies that want to raise capital online, using TTW allows them to gauge investor interest.  Investors may register with a… Read More

White House: Fintech Can Help Advance Our Financial Well-being and Economic Prosperity

The White House Washington DC

The White House organized a Fintech stakeholder meeting last week to discuss how “Fintech can help advance critical economic policy priorities.” Even while a plethora of regulatory agencies is circling to put the breaks on Fintech innovation, it is somewhat encouraging the Executive branch of… Read More

Reg CF Comes Alive: And With It, Opportunity for Small Real Estate Developers

Tiny House - photo by David Roth

Title III of the JOBS Act, aka “Regulation Crowdfunding,” is now here. Enacted on May 16th, the rules make equity crowdfunding a reality for both accredited and non-accredited investors looking to invest in small businesses and buildings. Yet before the rules have even had a… Read More

VestMunity Makes Fix & Flip Real Estate Investing Accessible for All

House Real Estate Fix

Innovative approach recognized with award from Citi and Village Capital Yemani Mason identified an accessibility problem related to real estate.  Real estate investing to build wealth has not been accessible to many Americans.  They lack the networks and required capital to participate.  So he launched… Read More

MEMO TO CONGRESS: Title III Crowdfunding Needs a Fixin’ – NOW!

Memo HR 4855 White House Congress

  It’s been more than four (very long) years since the Jumpstart Our Business Startups Act (the JOBS Act) made its debut, with much fanfare, in the White House Rose Garden. And on May 16, 2016, the official date of the emancipation of investment crowdfunding… Read More

Congressman Hensarling Proposes Dodd-Frank Fix

Jeb Hensarling

At a speech delivered at the Economic Club of New York’s meeting in Manhattan this morning, the Chairman of the House Financial Services Committee, Congressman Jeb Hensarling, presented a plan to overhaul the Dodd-Frank Wall Street Reform and Consumer Protection Act. Dodd-Frank, as it is… Read More

Camden Fine of Independent Community Bankers of America Says More Rules Needed for Online Lenders (Video)

blow up money hammer

Last week the Independent Community Bankers of America (ICBA) filed a comment letter with the Office of the Comptroller of the Currency regarding a discussion paper on “responsible innovation” in the financial sector. The letter, signed by Karen Thomas, Senior Executive VP of Government Relations… Read More

Comments Due for US Treasury Proposal to Add Compliance & Cost to Crowdfunding Portals

Secretary of Treasury Jack Lew on the attack

FinCEN, a bureau of the Department of the Treasury, has proposed changing the regulatory definition of a “broker or dealer in securities.”  The proposed amendment will impact crowdfunding portals as created under the JOBS Act of 2012.  According to FinCEN; “these amendments would require funding… Read More

Weighing the Risks for the “Crowd” in Equity Crowdfunding

Risk Base Jumping Dive Fall

  Now that the long awaited and much anticipated federal crowdfunding rules under Title III of the JOBS Act have become effective, startup companies can raise seed capital from everyday, non-accredited retail investors through online equity crowdfunding platforms. Many of these investors are excited to… Read More

Will Citi Buy Lending Club Loans? What Does this Mean for the Marketplace Lending Industry?

Grant Money Eyes Dollars

Shares in Lending Club (NYSE:LC) jumped last week as chatter popped up in a report in WSJ.com that Citigroup may be purchasing, or perhaps providing financing, for their loans.  This is the second round of positive news as it was recently revealed that Chinese billionaire Tianqiao… Read More

Crafting A Winning Equity Crowdfunding Pitch

Pitch Pitcher Baseball Sports

  A “pitch” is the information about your company, your team and the investment proposition. Founders often find pitching to be difficult and time-consuming. But pitching is a critical and necessary step to successfully raising funds – and equity crowdfunding is no exception. Equity crowdfunding… Read More

Intrastate Crowdfunding: The Often Overlooked Option 

United States Map Money

With the Federal Title III rules effective, there is certainly a lot of excitement surrounding national level “retail” crowdfunding to non-accredited investors. That’s obviously great news for the industry, but it’s important to remember that the majority of the states currently have some form of “intrastate”… Read More

Week One: How are Title III Crowdfunding Platforms Doing?

Rocket Launch Escape Velocity

Title III platforms launched last week on May 16th. Multiple platforms had received approval from FINRA/SEC and a good number of issuing companies queued up to offer equity or debt in their companies. While opinions in the media were mixed as to whether the Reg… Read More

LendingRobot CEO Emmanuel Marot Shares Views on P2P/Marketplace Lending Industry

LendingRobot Featured

  Co-founded by CEO Emmanuel Marot, LendingRobot is a Fintech company that provides powerful tools for the smaller investor interested in investing in Lending Club, Prosper and Funding Circle loans. Peer to peer lending has morphed into marketplace lending as institutional money poured in. Meanwhile LendingRobot… Read More