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CROWDFINANCE:
THEPATHTOECONOMICDEMOCRACY
WWW.DARAALBRIGHT.COM / DSA@DARAALBRIGHT.COM / TWITTER: @TOTHESTOICS / LINKEDIN.COM/IN/DARAALBRIGHT/
ROSWELL ROTARY LUNCHEON
APRIL 30, 2015 By Dara Albright
www.daraalbright.com | dsa@daraalbright.com
@tothestoics daraalbright
Debunking crowdfinancemisconceptions
Source: The New Yorker Magazine
• Crowdfinance is applying social
technology to 238 year old U.S.
capitalistic principles in order to
create an abundance of new
opportunity for underwriters,
issuers and investors of all sizes
Crowdfinance is NOT scaryor new
It is simply conventional finance but instead of capital
coming from big institutions or Government entities,
modern technology and new securities regulations have
made it possible for businesses to raise capital by pooling
small amounts of monies from a large crowd of individuals
Crowdfinance ISjustlikeconventional finance
Crowdfinance can be structured as debt or equity
and it can be broken into three main sub categories:
personal (consumer) finance
P2P Lending, Peer-2-Peer Lending, Marketplace Lending, Digital
Lending
corporate finance
Crowdfunding, P2B Lending, Peer-2-Business Lending, Peer-2-
Real Estate Lending
public finance / Economic development
Just like conventional finance…
Crowdfinance is governed by the same underlying principle that enabled
America to transform from a vast farmland into the greatest economic
superpower in the history of the world:
Granting citizens the freedom to invest in the ingenuity of their fellow citizens
Andjust like conventional finance…
But between bubbles,
scandals, crashes & crisis’,
America lost her way
2,319 pages that helped big financial Institutions grow even
larger – at the expense of America’s small businesses &
retail investors!
We need to resolve problems –not create new ones!
IN ORDER FOR ALIBABA’S IPO
INVESTORS TO REALIZE THE SAME
RETURN AS INTEL’S IPO INVESTORS,
ALIBABA WILL NEED TO BE TRADING
AT A $480 TRILLION MARKET
CAPITALIZATION – 6 TIMES MORE
THAN THE GDP OF EVERY COUNTRY
ON THE PLANET COMBINED!
Equity markets are flawed andunjust
• Small businesses can no longer
rely on banks for loans
• Investors can no longer afford to
keep money in low interest
bearing savings accounts
Credit markets are flawed andunjust
Conventional fixed-income returns are miniscule
Social Security on the brink of bankruptcy
Investors are starving for yield!
According to the Employee Benefit Research Institute:
a staggering 83% of the nation’s poorest are at risk for running out
of money
66% of workers having saved less than $50,000 for their retirement
28% have saved less than $1,000
FlawedMarkets Leading to Looming Retirement Crisis
Flawedmarket structure,NOTflawed taxstructure,iswhatis
exacerbatingthewealth divide
Crowdfinanceisrightingdysfunctionalcapitalmarkets
bycombiningmoderntechnologywithmore
democraticsecurities regulations
Crowdfinance
&
Economic
Democracy
Research firm Liberum, has P2P on track to be a
$40 billion industry in just the U.S. & U.K. by
2016.
Venture Capital firm, Foundation Capital,
predicts that by 2025, $1 trillion in loans will be
originated online globally
Online lendingisprovidingsolutionstoborrowers & lenders
Much more work needs to be done
to bring higher yielding fixed-
income opportunities to retail
investors!
Equity side of crowdfinance is developing
JOBS Act inspired offering structures
will bring growth opportunities back
to retail investors:
 Reg A+ becomes effective on June 19,
2015
 Regulators focused on venture markets
 Intrastate crowdfunding laws germinating
state by state
 Legislators working on viable federal
unaccredited crowdfunding framework
Crowdfinance: The Path to Economic Democracy 43015
“Since no one is smart enough to predict the ripple effects of
game-changing technologies, it’s important that we have a
capital markets system that provides opportunity for a wide
range of businesses. Only by having lots of balls in the air will we
increase our odds of capitalizing that one company that may
very well save mankind.” – Dave Weild, Former Vice Chairman of NASDAQ & Chairman of IssuWorks
Thankyou!
Reach out anytime!
www.daraalbright.com | dsa@daraalbright.com
@tothestoics daraalbright
Join us as we democratize investing on July 29th!
www.finfairconf.com

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Crowdfinance: The Path to Economic Democracy 43015

  • 1. CROWDFINANCE: THEPATHTOECONOMICDEMOCRACY WWW.DARAALBRIGHT.COM / DSA@DARAALBRIGHT.COM / TWITTER: @TOTHESTOICS / LINKEDIN.COM/IN/DARAALBRIGHT/ ROSWELL ROTARY LUNCHEON APRIL 30, 2015 By Dara Albright www.daraalbright.com | dsa@daraalbright.com @tothestoics daraalbright
  • 3. • Crowdfinance is applying social technology to 238 year old U.S. capitalistic principles in order to create an abundance of new opportunity for underwriters, issuers and investors of all sizes Crowdfinance is NOT scaryor new
  • 4. It is simply conventional finance but instead of capital coming from big institutions or Government entities, modern technology and new securities regulations have made it possible for businesses to raise capital by pooling small amounts of monies from a large crowd of individuals Crowdfinance ISjustlikeconventional finance
  • 5. Crowdfinance can be structured as debt or equity and it can be broken into three main sub categories: personal (consumer) finance P2P Lending, Peer-2-Peer Lending, Marketplace Lending, Digital Lending corporate finance Crowdfunding, P2B Lending, Peer-2-Business Lending, Peer-2- Real Estate Lending public finance / Economic development Just like conventional finance…
  • 6. Crowdfinance is governed by the same underlying principle that enabled America to transform from a vast farmland into the greatest economic superpower in the history of the world: Granting citizens the freedom to invest in the ingenuity of their fellow citizens Andjust like conventional finance…
  • 7. But between bubbles, scandals, crashes & crisis’, America lost her way
  • 8. 2,319 pages that helped big financial Institutions grow even larger – at the expense of America’s small businesses & retail investors! We need to resolve problems –not create new ones!
  • 9. IN ORDER FOR ALIBABA’S IPO INVESTORS TO REALIZE THE SAME RETURN AS INTEL’S IPO INVESTORS, ALIBABA WILL NEED TO BE TRADING AT A $480 TRILLION MARKET CAPITALIZATION – 6 TIMES MORE THAN THE GDP OF EVERY COUNTRY ON THE PLANET COMBINED! Equity markets are flawed andunjust
  • 10. • Small businesses can no longer rely on banks for loans • Investors can no longer afford to keep money in low interest bearing savings accounts Credit markets are flawed andunjust
  • 11. Conventional fixed-income returns are miniscule Social Security on the brink of bankruptcy Investors are starving for yield! According to the Employee Benefit Research Institute: a staggering 83% of the nation’s poorest are at risk for running out of money 66% of workers having saved less than $50,000 for their retirement 28% have saved less than $1,000 FlawedMarkets Leading to Looming Retirement Crisis
  • 14. Research firm Liberum, has P2P on track to be a $40 billion industry in just the U.S. & U.K. by 2016. Venture Capital firm, Foundation Capital, predicts that by 2025, $1 trillion in loans will be originated online globally Online lendingisprovidingsolutionstoborrowers & lenders
  • 15. Much more work needs to be done to bring higher yielding fixed- income opportunities to retail investors!
  • 16. Equity side of crowdfinance is developing JOBS Act inspired offering structures will bring growth opportunities back to retail investors:  Reg A+ becomes effective on June 19, 2015  Regulators focused on venture markets  Intrastate crowdfunding laws germinating state by state  Legislators working on viable federal unaccredited crowdfunding framework
  • 18. “Since no one is smart enough to predict the ripple effects of game-changing technologies, it’s important that we have a capital markets system that provides opportunity for a wide range of businesses. Only by having lots of balls in the air will we increase our odds of capitalizing that one company that may very well save mankind.” – Dave Weild, Former Vice Chairman of NASDAQ & Chairman of IssuWorks
  • 19. Thankyou! Reach out anytime! www.daraalbright.com | dsa@daraalbright.com @tothestoics daraalbright Join us as we democratize investing on July 29th! www.finfairconf.com