SlideShare a Scribd company logo
1 of 17
Download to read offline
Crowdfinance:
The Next Financial Frontier
By Dara Albright
Chief Strategy Officer of Crowdnetic
Founder of NowStreet Journal
Co-Founder of LendIt
dalbright@crowdnetic.com
Twitter: @NowStreet
What Crowdfinance is NOT
New Yorker Cartoon by David Sipress
It is simply conventional finance but instead of
capital coming from big institutions or
Government entities, it is obtained by
pooling small amounts of monies from a
crowd of individuals
What Crowdfinance ACTUALLY is
• crowdfinance can be broken into three
different sub categories:
– personal finance
– corporate finance
– public finance
• and it can be structured as debt or equity
Just like traditional finance…
Personal Finance:
P2P or Peer-to-Peer Lending
Corporate Finance:
P2B & Online Lending, Reg D Crowdfunding, DPO Crowdfunding
Public Finance:
Intrastate Crowdfunding or Locavesting
Same categories, difference players
• The undemocratic flow of capital
• Investor Mentality
• The intermediaries
• The entire path of capital formation
So what’s changed?
$$$$
The Undemocratic Flow of Capital
This undemocratic flow of capital is what is
exacerbating the Nation’s Wealth Divide
The undemocratic flow of capital
“Crowdfinance is governed by the same principle that built this country in
the first place: Allowing Americans to invest in the ingenuity of their
fellow Americans”
“Crowdfinance is governed by the same principle that built this country in
the first place: Allowing Americans to invest in the ingenuity of their
fellow Americans”
The Result of Democratized Investing
Allowing it citizens to invest in the ingenuity and innovation of its
fellow citizens is what enabled America to transform from a
vast farm land to the greatest economic superpower in the
history of the world!
Investor Mentality
Today’s investor is starving for yield
Investor Mentality
This new generation of investors desire more
than a financial return
The Intermediaries
The Intermediaries
“Crowdfinance will help ignite the
resurgence of the small cap underwriters
who, throughout history, have consistently
fostered economic growth by bringing
some of the world’s most promising
innovations to the investing public.”
The New Path of Capital Formation
Contact Information
THANK YOU!
Dara Albright, Chief Strategy Officer
dalbright@crowdnetic.com
14 E. 44th Street, 5th Floor
New York, NY 10017
Direct 212.867.4490 x20

More Related Content

More from Dara Albright

Reg A+ & The Renaissance of the Retail Investor
Reg A+ & The Renaissance of the Retail InvestorReg A+ & The Renaissance of the Retail Investor
Reg A+ & The Renaissance of the Retail InvestorDara Albright
 
Trends that will Redefine Alternative Investing
Trends that will Redefine Alternative Investing Trends that will Redefine Alternative Investing
Trends that will Redefine Alternative Investing Dara Albright
 
Building the Crowd and the Future of Investment Product Distribution
Building the Crowd and the Future of Investment Product DistributionBuilding the Crowd and the Future of Investment Product Distribution
Building the Crowd and the Future of Investment Product DistributionDara Albright
 
How Inventions Make our World Awesome!
How Inventions Make our World Awesome!How Inventions Make our World Awesome!
How Inventions Make our World Awesome!Dara Albright
 
Employing crowdfunding to start or expand your business
Employing crowdfunding to start or expand your businessEmploying crowdfunding to start or expand your business
Employing crowdfunding to start or expand your businessDara Albright
 
The Trillion Dollar FinTech Opportunity
The Trillion Dollar FinTech OpportunityThe Trillion Dollar FinTech Opportunity
The Trillion Dollar FinTech OpportunityDara Albright
 
How FinTech is Changing Personal Finance
How FinTech is Changing Personal Finance How FinTech is Changing Personal Finance
How FinTech is Changing Personal Finance Dara Albright
 
Welcome to the FinTech Revolution!
Welcome to the FinTech Revolution!Welcome to the FinTech Revolution!
Welcome to the FinTech Revolution!Dara Albright
 
Equities Crowdfunding is Finally Legal - NOW WHAT?
Equities Crowdfunding is Finally Legal - NOW WHAT?Equities Crowdfunding is Finally Legal - NOW WHAT?
Equities Crowdfunding is Finally Legal - NOW WHAT?Dara Albright
 
Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...
Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...
Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...Dara Albright
 
Liquidity Options for Reg A Webinar Held on 51415
Liquidity Options for Reg A Webinar Held on 51415Liquidity Options for Reg A Webinar Held on 51415
Liquidity Options for Reg A Webinar Held on 51415Dara Albright
 
Crowdfinance: The Path to Economic Democracy 43015
Crowdfinance: The Path to Economic Democracy 43015Crowdfinance: The Path to Economic Democracy 43015
Crowdfinance: The Path to Economic Democracy 43015Dara Albright
 
Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell
Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell
Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell Dara Albright
 
The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...
The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...
The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...Dara Albright
 
The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...
The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...
The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...Dara Albright
 
Crowdfinance redefining wall street
Crowdfinance redefining wall streetCrowdfinance redefining wall street
Crowdfinance redefining wall streetDara Albright
 
Comparative analysis of crowdfinance offerings
Comparative analysis of crowdfinance offerings Comparative analysis of crowdfinance offerings
Comparative analysis of crowdfinance offerings Dara Albright
 
Pre-JOBS Act Crowdfunding – The Intrastate Exemption
Pre-JOBS Act Crowdfunding – The Intrastate ExemptionPre-JOBS Act Crowdfunding – The Intrastate Exemption
Pre-JOBS Act Crowdfunding – The Intrastate ExemptionDara Albright
 
Preparing for the Crowdfunding Revolution
Preparing for the Crowdfunding Revolution Preparing for the Crowdfunding Revolution
Preparing for the Crowdfunding Revolution Dara Albright
 
Women transforming our financial markets symposium December 11, 2012
Women transforming our financial markets symposium December 11, 2012Women transforming our financial markets symposium December 11, 2012
Women transforming our financial markets symposium December 11, 2012Dara Albright
 

More from Dara Albright (20)

Reg A+ & The Renaissance of the Retail Investor
Reg A+ & The Renaissance of the Retail InvestorReg A+ & The Renaissance of the Retail Investor
Reg A+ & The Renaissance of the Retail Investor
 
Trends that will Redefine Alternative Investing
Trends that will Redefine Alternative Investing Trends that will Redefine Alternative Investing
Trends that will Redefine Alternative Investing
 
Building the Crowd and the Future of Investment Product Distribution
Building the Crowd and the Future of Investment Product DistributionBuilding the Crowd and the Future of Investment Product Distribution
Building the Crowd and the Future of Investment Product Distribution
 
How Inventions Make our World Awesome!
How Inventions Make our World Awesome!How Inventions Make our World Awesome!
How Inventions Make our World Awesome!
 
Employing crowdfunding to start or expand your business
Employing crowdfunding to start or expand your businessEmploying crowdfunding to start or expand your business
Employing crowdfunding to start or expand your business
 
The Trillion Dollar FinTech Opportunity
The Trillion Dollar FinTech OpportunityThe Trillion Dollar FinTech Opportunity
The Trillion Dollar FinTech Opportunity
 
How FinTech is Changing Personal Finance
How FinTech is Changing Personal Finance How FinTech is Changing Personal Finance
How FinTech is Changing Personal Finance
 
Welcome to the FinTech Revolution!
Welcome to the FinTech Revolution!Welcome to the FinTech Revolution!
Welcome to the FinTech Revolution!
 
Equities Crowdfunding is Finally Legal - NOW WHAT?
Equities Crowdfunding is Finally Legal - NOW WHAT?Equities Crowdfunding is Finally Legal - NOW WHAT?
Equities Crowdfunding is Finally Legal - NOW WHAT?
 
Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...
Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...
Crowdfunding Your Idea into a Viable Business - presentation for 4th grade TA...
 
Liquidity Options for Reg A Webinar Held on 51415
Liquidity Options for Reg A Webinar Held on 51415Liquidity Options for Reg A Webinar Held on 51415
Liquidity Options for Reg A Webinar Held on 51415
 
Crowdfinance: The Path to Economic Democracy 43015
Crowdfinance: The Path to Economic Democracy 43015Crowdfinance: The Path to Economic Democracy 43015
Crowdfinance: The Path to Economic Democracy 43015
 
Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell
Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell
Reg A+ - Everything Issuers & their Advisors Need to Know - in a nutshell
 
The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...
The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...
The Small Cap Alternative Financing Revolution Cocktail Event Opening Present...
 
The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...
The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...
The Evolution of IPO Marketing and its Impact on Issuers, Intermediaries and ...
 
Crowdfinance redefining wall street
Crowdfinance redefining wall streetCrowdfinance redefining wall street
Crowdfinance redefining wall street
 
Comparative analysis of crowdfinance offerings
Comparative analysis of crowdfinance offerings Comparative analysis of crowdfinance offerings
Comparative analysis of crowdfinance offerings
 
Pre-JOBS Act Crowdfunding – The Intrastate Exemption
Pre-JOBS Act Crowdfunding – The Intrastate ExemptionPre-JOBS Act Crowdfunding – The Intrastate Exemption
Pre-JOBS Act Crowdfunding – The Intrastate Exemption
 
Preparing for the Crowdfunding Revolution
Preparing for the Crowdfunding Revolution Preparing for the Crowdfunding Revolution
Preparing for the Crowdfunding Revolution
 
Women transforming our financial markets symposium December 11, 2012
Women transforming our financial markets symposium December 11, 2012Women transforming our financial markets symposium December 11, 2012
Women transforming our financial markets symposium December 11, 2012
 

Recently uploaded

02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx
02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx
02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptxFinTech Belgium
 
The Economic History of the U.S. Lecture 25.pdf
The Economic History of the U.S. Lecture 25.pdfThe Economic History of the U.S. Lecture 25.pdf
The Economic History of the U.S. Lecture 25.pdfGale Pooley
 
Gurley shaw Theory of Monetary Economics.
Gurley shaw Theory of Monetary Economics.Gurley shaw Theory of Monetary Economics.
Gurley shaw Theory of Monetary Economics.Vinodha Devi
 
Booking open Available Pune Call Girls Shivane 6297143586 Call Hot Indian Gi...
Booking open Available Pune Call Girls Shivane  6297143586 Call Hot Indian Gi...Booking open Available Pune Call Girls Shivane  6297143586 Call Hot Indian Gi...
Booking open Available Pune Call Girls Shivane 6297143586 Call Hot Indian Gi...Call Girls in Nagpur High Profile
 
Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...
Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...
Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...priyasharma62062
 
WhatsApp 📞 Call : 9892124323 ✅Call Girls In Chembur ( Mumbai ) secure service
WhatsApp 📞 Call : 9892124323  ✅Call Girls In Chembur ( Mumbai ) secure serviceWhatsApp 📞 Call : 9892124323  ✅Call Girls In Chembur ( Mumbai ) secure service
WhatsApp 📞 Call : 9892124323 ✅Call Girls In Chembur ( Mumbai ) secure servicePooja Nehwal
 
Stock Market Brief Deck (Under Pressure).pdf
Stock Market Brief Deck (Under Pressure).pdfStock Market Brief Deck (Under Pressure).pdf
Stock Market Brief Deck (Under Pressure).pdfMichael Silva
 
VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...
VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...
VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...dipikadinghjn ( Why You Choose Us? ) Escorts
 
Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...
Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...
Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...Delhi Call girls
 
Shrambal_Distributors_Newsletter_Apr-2024 (1).pdf
Shrambal_Distributors_Newsletter_Apr-2024 (1).pdfShrambal_Distributors_Newsletter_Apr-2024 (1).pdf
Shrambal_Distributors_Newsletter_Apr-2024 (1).pdfvikashdidwania1
 
00_Main ppt_MeetupDORA&CyberSecurity.pptx
00_Main ppt_MeetupDORA&CyberSecurity.pptx00_Main ppt_MeetupDORA&CyberSecurity.pptx
00_Main ppt_MeetupDORA&CyberSecurity.pptxFinTech Belgium
 
VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...
VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...
VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...dipikadinghjn ( Why You Choose Us? ) Escorts
 
The Economic History of the U.S. Lecture 22.pdf
The Economic History of the U.S. Lecture 22.pdfThe Economic History of the U.S. Lecture 22.pdf
The Economic History of the U.S. Lecture 22.pdfGale Pooley
 
Top Rated Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...
Top Rated  Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...Top Rated  Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...
Top Rated Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...Call Girls in Nagpur High Profile
 
TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...
TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...
TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...ssifa0344
 
03_Emmanuel Ndiaye_Degroof Petercam.pptx
03_Emmanuel Ndiaye_Degroof Petercam.pptx03_Emmanuel Ndiaye_Degroof Petercam.pptx
03_Emmanuel Ndiaye_Degroof Petercam.pptxFinTech Belgium
 
The Economic History of the U.S. Lecture 20.pdf
The Economic History of the U.S. Lecture 20.pdfThe Economic History of the U.S. Lecture 20.pdf
The Economic History of the U.S. Lecture 20.pdfGale Pooley
 
VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...
VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...
VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...dipikadinghjn ( Why You Choose Us? ) Escorts
 

Recently uploaded (20)

02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx
02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx
02_Fabio Colombo_Accenture_MeetupDora&Cybersecurity.pptx
 
The Economic History of the U.S. Lecture 25.pdf
The Economic History of the U.S. Lecture 25.pdfThe Economic History of the U.S. Lecture 25.pdf
The Economic History of the U.S. Lecture 25.pdf
 
Gurley shaw Theory of Monetary Economics.
Gurley shaw Theory of Monetary Economics.Gurley shaw Theory of Monetary Economics.
Gurley shaw Theory of Monetary Economics.
 
Booking open Available Pune Call Girls Shivane 6297143586 Call Hot Indian Gi...
Booking open Available Pune Call Girls Shivane  6297143586 Call Hot Indian Gi...Booking open Available Pune Call Girls Shivane  6297143586 Call Hot Indian Gi...
Booking open Available Pune Call Girls Shivane 6297143586 Call Hot Indian Gi...
 
Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...
Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...
Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...
 
WhatsApp 📞 Call : 9892124323 ✅Call Girls In Chembur ( Mumbai ) secure service
WhatsApp 📞 Call : 9892124323  ✅Call Girls In Chembur ( Mumbai ) secure serviceWhatsApp 📞 Call : 9892124323  ✅Call Girls In Chembur ( Mumbai ) secure service
WhatsApp 📞 Call : 9892124323 ✅Call Girls In Chembur ( Mumbai ) secure service
 
Stock Market Brief Deck (Under Pressure).pdf
Stock Market Brief Deck (Under Pressure).pdfStock Market Brief Deck (Under Pressure).pdf
Stock Market Brief Deck (Under Pressure).pdf
 
VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...
VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...
VIP Independent Call Girls in Mira Bhayandar 🌹 9920725232 ( Call Me ) Mumbai ...
 
Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...
Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...
Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...
 
Shrambal_Distributors_Newsletter_Apr-2024 (1).pdf
Shrambal_Distributors_Newsletter_Apr-2024 (1).pdfShrambal_Distributors_Newsletter_Apr-2024 (1).pdf
Shrambal_Distributors_Newsletter_Apr-2024 (1).pdf
 
00_Main ppt_MeetupDORA&CyberSecurity.pptx
00_Main ppt_MeetupDORA&CyberSecurity.pptx00_Main ppt_MeetupDORA&CyberSecurity.pptx
00_Main ppt_MeetupDORA&CyberSecurity.pptx
 
VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...
VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...
VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...
 
The Economic History of the U.S. Lecture 22.pdf
The Economic History of the U.S. Lecture 22.pdfThe Economic History of the U.S. Lecture 22.pdf
The Economic History of the U.S. Lecture 22.pdf
 
Top Rated Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...
Top Rated  Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...Top Rated  Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...
Top Rated Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...
 
TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...
TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...
TEST BANK For Corporate Finance, 13th Edition By Stephen Ross, Randolph Weste...
 
(Vedika) Low Rate Call Girls in Pune Call Now 8250077686 Pune Escorts 24x7
(Vedika) Low Rate Call Girls in Pune Call Now 8250077686 Pune Escorts 24x7(Vedika) Low Rate Call Girls in Pune Call Now 8250077686 Pune Escorts 24x7
(Vedika) Low Rate Call Girls in Pune Call Now 8250077686 Pune Escorts 24x7
 
03_Emmanuel Ndiaye_Degroof Petercam.pptx
03_Emmanuel Ndiaye_Degroof Petercam.pptx03_Emmanuel Ndiaye_Degroof Petercam.pptx
03_Emmanuel Ndiaye_Degroof Petercam.pptx
 
The Economic History of the U.S. Lecture 20.pdf
The Economic History of the U.S. Lecture 20.pdfThe Economic History of the U.S. Lecture 20.pdf
The Economic History of the U.S. Lecture 20.pdf
 
From Luxury Escort Service Kamathipura : 9352852248 Make on-demand Arrangemen...
From Luxury Escort Service Kamathipura : 9352852248 Make on-demand Arrangemen...From Luxury Escort Service Kamathipura : 9352852248 Make on-demand Arrangemen...
From Luxury Escort Service Kamathipura : 9352852248 Make on-demand Arrangemen...
 
VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...
VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...
VIP Independent Call Girls in Bandra West 🌹 9920725232 ( Call Me ) Mumbai Esc...
 

Crowdfinance the next financial frontier

  • 1. Crowdfinance: The Next Financial Frontier By Dara Albright Chief Strategy Officer of Crowdnetic Founder of NowStreet Journal Co-Founder of LendIt dalbright@crowdnetic.com Twitter: @NowStreet
  • 2. What Crowdfinance is NOT New Yorker Cartoon by David Sipress
  • 3. It is simply conventional finance but instead of capital coming from big institutions or Government entities, it is obtained by pooling small amounts of monies from a crowd of individuals What Crowdfinance ACTUALLY is
  • 4. • crowdfinance can be broken into three different sub categories: – personal finance – corporate finance – public finance • and it can be structured as debt or equity Just like traditional finance…
  • 5. Personal Finance: P2P or Peer-to-Peer Lending Corporate Finance: P2B & Online Lending, Reg D Crowdfunding, DPO Crowdfunding Public Finance: Intrastate Crowdfunding or Locavesting Same categories, difference players
  • 6. • The undemocratic flow of capital • Investor Mentality • The intermediaries • The entire path of capital formation So what’s changed?
  • 8. This undemocratic flow of capital is what is exacerbating the Nation’s Wealth Divide The undemocratic flow of capital
  • 9. “Crowdfinance is governed by the same principle that built this country in the first place: Allowing Americans to invest in the ingenuity of their fellow Americans”
  • 10. “Crowdfinance is governed by the same principle that built this country in the first place: Allowing Americans to invest in the ingenuity of their fellow Americans”
  • 11. The Result of Democratized Investing Allowing it citizens to invest in the ingenuity and innovation of its fellow citizens is what enabled America to transform from a vast farm land to the greatest economic superpower in the history of the world!
  • 12. Investor Mentality Today’s investor is starving for yield
  • 13. Investor Mentality This new generation of investors desire more than a financial return
  • 15. The Intermediaries “Crowdfinance will help ignite the resurgence of the small cap underwriters who, throughout history, have consistently fostered economic growth by bringing some of the world’s most promising innovations to the investing public.”
  • 16. The New Path of Capital Formation
  • 17. Contact Information THANK YOU! Dara Albright, Chief Strategy Officer dalbright@crowdnetic.com 14 E. 44th Street, 5th Floor New York, NY 10017 Direct 212.867.4490 x20