Tagged: perspective

HBS: Prodigy Network – Democratizing Real Estate Investment

Rodrigo Nino

Last month Harvard Business School published a case study on the real estate crowdfunding platform Prodigy Network and its founder Rodrigo Niño.  Authors Karim Lakhani, Katja Hutter and Greta Priar, reviewed the dramatic rise of Prodigy Network and the vision of Niño that “crowdfunding will disrupt the status quo of traditional equity investment in real… Read More

Equity vs. Debt Crowdfunding

ROI investment graph

There is a lot of media focus on crowdfunding, but sometimes the types of crowdfunding are not properly distinguished. You hear a lot about the Kickstarter’s and Indiegogo’s of the world and people are confusing these with actual investments in companies. To understand debt (lending) vs. equity based crowdfunding you must first know the four… Read More

KPMG: Banks Wonder if Crowdfunding is Friend or Foe

Bank of England Charter 1694

Global tax and advisory firm KPMG recently commented on the crowdfunding industry and how traditional banks are sizing up the new, innovative form of finance. As we all know the finance industry is absolutely enormous.  Crowdfunding, along with peer to peer lending, is still quite small. But those involved in the crowdfunding industry are watching… Read More

Investor Protection: Why You May Want to Reconsider Your Real Estate Crowdfunding Investment

No Guarantees in Real Estate Investing

Do you remember that scene from the movie Tommy Boy where the store manager rants about the importance of having a guarantee on the product box “calling out, I’ll never let you down, but if I do I’m gonna make things ALL better.” I can’t help but be reminded of that scene whenever I see… Read More

Release Title III: Securities Based Crowdfunding Rules – The New Investing Model

This Train is Late

Some Issues in Title III Crowdfunding Regulations Require Modification. Recently, there has been a renewed call for action on Title III (Regulation Crowdfunding) to go-live. And there are some proponents in the industry that just want the rules to go live ‘as-is’. However, the Crowdfunding Intermediary Regulatory Advocates (CFIRA), the first advocacy and lobbying trade… Read More

Perspective: Investors and Markets Could Benefit from Revising the Accredited Investor Definition

Accredited Investor Qualifcations featured

When Congress passed the JOBS Act lifting the ban on general solicitation in offerings under Rule 506 of Regulation D, it turned these so-called “private” offerings into potentially very public ones.  Since Reg D offerings involving general solicitation can only be sold to “accredited” investors, it also amplified the already central role that the accredited… Read More

John Mullins: The Trouble with VC Funding (Video)

The Customer Funded Business

Professor John Mullins, from the London Business School, authored a book entitled “The Customer Funded Business”. He recently visited the studios of CNBC to share his perspective on how some VCs can be injurious to a business. Mullins states that running a business is a full time job.  Raising capital is a full time job…. Read More

George Osborne: “I want the UK to lead the world in developing Fin Tech”

Chancellor of the Exchequer George Osborne

The United Kingdom has focused great attention and energy on encouraging an economic environment of innovation and entrepreneurial growth.  While actions always speak louder than words from a US perspective, we sometimes look with envy at what is occurring the UK and not happening in the US.  Granted not all is rosy across the Atlantic… Read More

Jeremy Rifkin: Crowdfunding is Part of Collaborative Commons Economy

Jeremy Rifkin Featured

Jeremy Rifkin, the founder of the ‘Foundation on Economic Trends’, is an economic and social theorist, advisor to sovereign nations (China, France et al) and an overall big thinker that looks to the future with the benefit of a profound knowledge of the past.  While most of us toil in our day – to –… Read More

McKinsey says ‘Business Needs More Women’: Crowdfunding Can Support This Goal

Women in Business Featured

Why do we want more women in business? Practicing gender equality is usually not the reason one starts a company. Are men making a mess of our economies and companies? Is “the men’s world” not functioning or failing in creating sustainable growth within our economies? No, not really. The vast majority of men in companies… Read More

SEC Annual Forum on Small Business Capital Formation: Ground Hog Day for Small Biz?

Ground Hog Small Business Forum SEC

Many of us are wondering when, if and how the SEC will finally roll out final regulations to implement major provisions of the JOBS Act of 2012, including Title III (investment crowdfunding) and Title IV (Regulation A+). So too were a group of Congressmen, gathered in the Halls of Congress in Washington, D.C. on July… Read More

If It Ain’t Broke … SEC Investor Advisory Committee Tackles Non-Problem

Blasting Investment Featured

On July 10, thanks to the Dodd-Frank Act which mandated its reinstitution, the revived SEC Investor Advisory Committee met in a public forum to discuss certain securities law issues, including a subcommittee’s initial proposals on the definition of “accredited investor” (as defined in Section 501(a) of Regulation D under the Securities Act of 1933, as… Read More

Crowdfunding, Parliament & The Gagging of YouTube, Twitter & Social Media: A ‘Terrifying Misuse of Legislation”

Social Media Blocked Banned

What has been called a “Terrifying Misuse of Legislation” was debated Thursday at the Westminster Crowdfunding Forum where it was unanimously agreed that it’s essential to tackle an over regulation of social media which is threatening both the Crowdfunding industry and the individual liberties of all those involved. Including ordinary people who, say the FCA,… Read More

Kickstarter to FCC: We Support an Open Internet

Net Neutrality Tom Wheeler FCC Chairman

Destroying Net Neutrality has implications far beyond Kickstarter. Yancey Strickler, CEO of crowdfunding giant Kickstarter, has posted today affirming their support on the subject of Net Neutrality – something that should concern us all. Kickstarter has filed an official comment with the FCC expressing their opinion on the issue. As posted on the Kickstarter site:… Read More

The Real Difference Between VC and Crowdfunding? Investment Marketing

marketing promotion

A few weeks back the value of VC’s for the crowdfunding industry was extensively discussed. Why? Because there are lot of areas where crowdfunding and VC’s can connect. And though traditional funding and alternative funding are not as rigorously separated as many want to believe, there are some inherit differences that characterise crowdfunding as a… Read More

Equity Crowdfunding is in Need of Leadership

State of the Union Congress and Senate

Your Leadership, Freedom & Independence this 4th July. Dear Mr President, Your leadership is needed in a matter which affects America and us all. A matter of removing an ongoing source of inequality which continues to disfigure both democracy and capitalism in America and worldwide. I believe it is in your gift to right an… Read More

Can Equity Crowdfunding Revitalize the IPO Market?

Bridging the Funding Gap Vanishing IPO

While attending the CFGE Conference in New York City last week I was able to sit in on a presentation by Anthony Zeoli regarding the “vanishing middle market IPO”.  Anthony is a securities attorney who is championing the cause of intrastate crowdfunding in Illinois – he has also contributed to Crowdfund Insider. The decline in smaller… Read More

Does Crowdfunding Create Crowd Euphoria?

Herd of Sheep Stampede

Esteemed global banking group, Deutsche Bank, recently posed this very question:  Does crowd euphoria impair risk consciousness? The question comes as many countries legalize investment crowdfunding and the US plods towards allowing greater access to capital via participation of the crowd.  This is an important – and interesting polemic.  Herd mentality occurs in many situations…. Read More

Kickstarter, Leader for Now, Responds to Shifting Market with New Rules

Launch Now Kickstarter

Kickstarter recently announced major changes to the way they approve campaigns on their site. The first change is a creation of a “Launch Now” button where a project, if it successfully passes through an algorithm, can be immediately posted on the site. This removes the human vetting process that frustrated many users in the past…. Read More

Four Industries Primed to be Disrupted by Crowdfunding

Disrupted

One of the benefits of helping launch and continuing to work with the global equity and debt crowdfunding movement is the innovative companies that show up at our door. These organizations are changing a number of industries and none of them are kids in garages with gadgets. The future of crowdfunding will include a variety… Read More