#Crowdlending is like #Crowdfunding but investors make a return on their money. Crowdlending makes borrowing money from banks obsolete for small businesses; it's more cost effective, drives loyalty and let's borrowers control the terms of their borrowing.

1. Presented by: Tabitha Creighton, CEO and Co-
founder
Crowdlending: 5 reasons it’s
great for business.

2. Reason #5 : Save money on your borrowing
• Eliminate finance and origination fees
• Reduce interest rates
(Finance fees for new loans can range into the thousands of
dollars, excluding the interest costs.
In addition, part of the interest rates banks and direct lenders
charge are the cost of their capital and the infrastructure
premiums that come along with being big companies.
With Crowdlending, you borrow directly from consumers, which
could mean significant interest rate savings.)

3. Reason #4: Control your borrowing terms
• Pick the duration, interest rate, collateral and
covenants
(The positive and negative covenants attached to loans today
can be extremely costly and difficult for small companies to
achieve and maintain.
Fully reviewed and audited financial statements, term
restrictions, pre-payment penalties, seasonal business revenue
penalties are just some of the burden a company can take on.)

4. Reason #3: Hold onto company ownership
• Don’t give up ownership just to get working
capital
(For young, growing companies, often the only option to gain
the cash they need to grow is to sell shares in the company,
because borrowing is just too expensive.
That’s a terrible choice for a company owner that knows that
in a couple of years when they’re established, their cost of
capital will drop significantly.)

5. Reason #2: Easy-to-do
• Complete automation makes everything, even
repayments, quick and easy.
(Even easier than a crowd-funding campaign, especially the
repayment part. No need to box up dozens of gadgets, or
keep track of the number of gift-cards still to be redeemed.
Automated repayments mean that money goes right back to
investors without any work on the part of the business.)

6. Reason #1: Investors = customers + advocates.
• Lower your cost of getting new customers AND get the
money you need
• Interest payments are like marketing costs when your
investors advocate for your business
(You won’t find a better advocate than someone that’s
invested in your company. Pick your investors from your
community and you now get their money and their
advocacy.
And that’s no joke – people are far more likely to buy
through referrals than from companies they don’t know.
So think of your interest payments as marketing costs,

7. INVESTNEXTDOOR MAKES
CROWDLENDING SIMPLE

8. InvestNextDoor: A fair and balanced marketplace
Invest
NextDoor
Peer-to-
Peer
Lending
Crowdfunded
equities
Financial
Institutions
Borrower Sets Own
Rate
Auction-style
investment offers
Automated securities
issue and services
Double-bottom line
investments
Information
verification

9. It’s easy with InvestNextDoor!
1. Create a Listing
• Create a listing.
• Use our templates and create your security offering.
• Choose whether it’s a private or marketplace listing.
2. Engage Investors
• Promote your marketplace listing.
• Control access to your financial section.
• Respond to questions.
3. Accept Offers
• Accept immediately or wait for better offers.
• Review Offers.
• Complete offer, filings and get access to funds.
4. Repay Investors
• Make repayments.
• Engage your investors as advocates.
• Grow your business.

10. And remember…
Borrow local, invest local, and prosper more!
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Create your listing by June 20th and
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