Rewards, Debt (P2P and P2B Lending) and Equity Crowdfunding. Fundraising options for entrepreneurs based on cash flow, funding goal, timing, development stage, etc.
A survey of state and local government employees to identify the top challenges facing their organizations. Launched in conjunction with Route Fifty and the Government Business Council.
ForwardThinking is a look ahead at the latest knowledge and insights available from Grant Thornton LLP. It includes a collection of our research, thought leadership and a schedule of upcoming webcasts and events.
Shareholders Are Dissatisfied with CEO Compensation and Disclosure--Proxies Are Too Long, Difficult to Read.
Only 38 percent of institutional investors believe that corporate disclosure about executive compensation is clear and easy to understand. “Shareholders want to know that the size, structure, and performance targets used in executive compensation contracts are appropriate,” says Professor David F. Larcker of the Stanford Graduate School of Business. “Our research shows that, across the board, they are dissatisfied with the quality and clarity of the information they receive about compensation in the corporate proxy. Even the largest, most sophisticated investors are unhappy.”
“With new pressure from activist investors and annual ‘Say on Pay’ (SOP) votes, it is more important than ever that companies explain to their shareholder base why the compensation packages they offer are appropriate in size and structure,” says Aaron Boyd, director of Governance Research at Equilar. “Investors are noticing the wide range in quality and clarity among various companies’ proxies. They want companies to communicate and explain, rather than simply disclose,” adds Ron Schneider, director of Corporate Governance Services at RR Donnelley Financial Services. “This represents a significant opportunity for many companies to improve the clarity of their proxies.”
In the fall of 2014, RR Donnelley, Equilar, and the Rock Center for Corporate Governance at Stanford University surveyed 64 asset managers and owners with a combined $17 trillion in assets to understand how institutional investors use the information in corporate proxies.
Banking Industry Success: Build, Transform and Protect Value into 2020Grant Thornton LLP
Banking leaders say their focus on customer service will double between now and 2020, becoming their No. 1 priority in an increasingly competitive environment.
Keeping it real - How authentic is your Corporate Purpose? Burson-Marsteller
Burson-Marsteller and Swiss-based IMD have been working together to research corporate purpose since 2008. This year’s study is presented in the context of the findings of Burson-Marsteller’s Corporate Perception Indicator, a global survey of public hopes and expectations of companies and their leaders.
A survey of state and local government employees to identify the top challenges facing their organizations. Launched in conjunction with Route Fifty and the Government Business Council.
ForwardThinking is a look ahead at the latest knowledge and insights available from Grant Thornton LLP. It includes a collection of our research, thought leadership and a schedule of upcoming webcasts and events.
Shareholders Are Dissatisfied with CEO Compensation and Disclosure--Proxies Are Too Long, Difficult to Read.
Only 38 percent of institutional investors believe that corporate disclosure about executive compensation is clear and easy to understand. “Shareholders want to know that the size, structure, and performance targets used in executive compensation contracts are appropriate,” says Professor David F. Larcker of the Stanford Graduate School of Business. “Our research shows that, across the board, they are dissatisfied with the quality and clarity of the information they receive about compensation in the corporate proxy. Even the largest, most sophisticated investors are unhappy.”
“With new pressure from activist investors and annual ‘Say on Pay’ (SOP) votes, it is more important than ever that companies explain to their shareholder base why the compensation packages they offer are appropriate in size and structure,” says Aaron Boyd, director of Governance Research at Equilar. “Investors are noticing the wide range in quality and clarity among various companies’ proxies. They want companies to communicate and explain, rather than simply disclose,” adds Ron Schneider, director of Corporate Governance Services at RR Donnelley Financial Services. “This represents a significant opportunity for many companies to improve the clarity of their proxies.”
In the fall of 2014, RR Donnelley, Equilar, and the Rock Center for Corporate Governance at Stanford University surveyed 64 asset managers and owners with a combined $17 trillion in assets to understand how institutional investors use the information in corporate proxies.
Banking Industry Success: Build, Transform and Protect Value into 2020Grant Thornton LLP
Banking leaders say their focus on customer service will double between now and 2020, becoming their No. 1 priority in an increasingly competitive environment.
Keeping it real - How authentic is your Corporate Purpose? Burson-Marsteller
Burson-Marsteller and Swiss-based IMD have been working together to research corporate purpose since 2008. This year’s study is presented in the context of the findings of Burson-Marsteller’s Corporate Perception Indicator, a global survey of public hopes and expectations of companies and their leaders.
The Brave 100: The Battle for Supremacy in Small Business LendingFrank Rotman
Banks vs. the Innovators. Who has the advantage and who will dominate the Small Business lending ecosystem?
More fintech blogs and papers at: www.fintechjunkie.com
The geographic footprint of innovation is changing dramatically as research and development programs become more global. An overwhelming 94 percent of the world’s largest innovators now conduct elements of their R&D programs abroad, according to the 2015 Global Innovation 1000 study, our annual analysis of corporate R&D spending. These companies are shifting their innovation investment to countries in which their sales and manufacturing are growing fastest, and where they can access the right technical talent. Not surprisingly, innovation spending has boomed in China and India since our 2008 study, when we first charted the global flows of corporate R&D spending. Collectively, in fact, more R&D is now conducted in Asia than in North America or Europe.
For leading companies, implementing a global innovation strategy is paying off. We found that firms that favor a more global R&D footprint outperform their less globalized competitors on a variety of financial measures. This is important, because, as in previous years, we found no statistically significant evidence that higher levels of spending guarantee better results. Our refrain has long been that it’s not how much you spend on research and development, but how you spend it. But it’s also where you spend that determines your success — and our 2015 study shows that decisions about R&D location look very different today than they did less than a decade ago.
5 Employment Stats Every Hiring Manager Needs to KnowRobert Half
Learn five key employment stats that can help inform you about the current hiring climate and increase your chances of landing the talent you need to grow your business.
CMO vs CIO: Paths Forward to Collaboration on Collaboration - Ray Wang, Esteb...OpenKnowledge srl
CMO vs CIO: Paths Forward to Collaboration on Collaboration - Ray Wang (Constellation Research), Esteban Kolsky (ThinkJar), Keynote Speakers @ Social Business Forum 2013
Social Data Intelligence: Integrating Social and Enterprise Data for Competit...Susan Etlinger
This report lays out a mandate for enterprise organizations to integrate social data into other enterprise data streams, or risk building a "social silo." Includes best practices, frameworks, and a social data maturity map.
3 hard facts shaping higher education thinking and behaviorGrant Thornton LLP
Expansion in tuition, enrollment, faculty, buildings, and everything else ― is fast becoming a thing of the past. Institutions will have to carefully pick initiatives, making clear choices about what to do and, most significantly, what not to do. Download 2016 State of higher education >> http://gt-us.co/1UbUF56
Data breaches and theft of user information can do crippling damage to a digital media company. Creating an effective cybersecurity program is a critical step.
How to Engage Affluent Investors on Social MediaLinkedIn Canada
Why are finance companies increasingly turning to social media to connect with affluent investors? Because the number of HNW individuals in Canada rose 6.5% to a record 298,000 people last year. Of this demographic, 46% already use LinkedIn for financial purposes – indicating that there is an engaged audience on the platform. This presents a clear opportunity for the financial services industry to target HNW individuals when marketing on social media, specifically on LinkedIn.
The executives polled on this survey’s five-year anniversary are sounding a decided note of caution—while growth in most business metrics continues, the pace is more moderate than seen in recent years. For more information, please visit http://www2.deloitte.com/us/en/pages/deloitte-growth-enterprise-services/articles/americas-economic-engine-tapping-the-brakes.html
The business landscape is being transformed by a series of megatrends, of which digital technology is already proving to be the most pervasive and potentially disruptive.
Moving beyond multichannel: A Deloitte perspective on customer experience in ...Deloitte Canada
Think like a retailer: Multiply your multichannel returns
Is it a café? A financial genius bar or an app? The financial institution (FI) of tomorrow is already here, giving customers countless new ways to carry out their financial transactions.
Consumers are driving this transformation. They’re connected, knowledgeable, tech-savvy and very demanding. They don’t just compare one FI’s services to another, but to the best customer service they’ve had anywhere.
There’s much at stake. Some studies show Millennials count banks among their least-loved brands. Others show disruption in the FI space could impact existing market share dramatically in just five years.
However, FIs are adapting to these shifts. They are borrowing the best ideas from other businesses to create an intimate customer experience—especially from retailers.
But there’s more to be done.
• FIs need to structure themselves around customers. Not products or services.
• They need to understand each customer’s path to purchase.
• They need to make interactions simple and enjoyable.
• They need to evolve their internal structure: P&L, culture and their real estate strategy.
To learn more about how outstanding customer service is the key to delivering long-term business value, view our Slideshare, the second piece in our series, Making Change: Creating the financial Institution of the future.Then ask yourself, what opportunities are you going to take hold of, and what kind of FI do you want to be. Please get in touch with us for more information.
Marketing Basics Guide for Small BusinessInJust5.com
Free small business marketing basics guide. Extract from the How To Market My Small business Course: https://www.injust5.com/downloads/market-small-business-course/ Explanatory video for this resource at: https://www.injust5.com/2016/06/25/marketing-basics-small-business-free-handout/
There’s never been a better time to be an analyst.
While historically analytics was consigned to the metaphorical fireplace in an organisation, to be acknowledged and occasionally fed but largely ignored, today the story is much evolved. The vast amounts of data being produced in ever greater amounts has led
to a renewed interest in making sense of this information treasure trove, and successfully unlocking its secrets can be a tremendous boon to businesses.
But the discipline is not without its challenges. Many organisations have not yet worked out how to store and organise the data they are generating, let alone analyse it. IT infrastructure is evolving, but not always in the right direction, and certainly not always fast enough in Asia.
Full Study - Digital Roadblock: Marketers Struggle to Reinvent ThemselvesAdobe
We’ve all heard it: The future of marketing is digital. Get on board or get left behind. So what’s holding marketers back?
We surveyed more than 1,000 U.S. marketers to explore how they’re evolving in the digital age, where they need help and what their priorities are going forward. This is the full results from our Digital Roadblock study.
Resourcefulness, creativity can help further your nonprofit's missionGrant Thornton LLP
If there’s one lesson that nonprofit organizations have learned in recent years, it’s that resources are finite and must be allocated prudently. How not-for-profits must quickly adapt to find new and creative ways to respond. See more in our State of not-for-profit industry 2014: http://gt-us.co/StateofNFP2014
When the temperatures rise, productivity in the work place seems to drop. Learn how to boost productivity in the workplace this summer with these effective tips from Eagles Talent.
This paper examines the increased complexity of the healthcare industry, fueled by increasing reliance on automation, information technology, and the changing regulatory and reform environment. Healthcare organizations face an environment characterized by rapid changes in mandates, technology, and stakeholder expectations, all of which combine to increase the consequences of historical risks and generate new risks. Existing informal, siloed, and reactive risk management processes cannot effectively identify and manage the greatest, strategic-level risks facing the industry. Through years of working with commercial and government clients, Booz Allen Hamilton, a leading strategy and technology consulting firm, has developed a proven strategic risk management methodology to ensure the effective management of these strategic risks.
The Brave 100: The Battle for Supremacy in Small Business LendingFrank Rotman
Banks vs. the Innovators. Who has the advantage and who will dominate the Small Business lending ecosystem?
More fintech blogs and papers at: www.fintechjunkie.com
The geographic footprint of innovation is changing dramatically as research and development programs become more global. An overwhelming 94 percent of the world’s largest innovators now conduct elements of their R&D programs abroad, according to the 2015 Global Innovation 1000 study, our annual analysis of corporate R&D spending. These companies are shifting their innovation investment to countries in which their sales and manufacturing are growing fastest, and where they can access the right technical talent. Not surprisingly, innovation spending has boomed in China and India since our 2008 study, when we first charted the global flows of corporate R&D spending. Collectively, in fact, more R&D is now conducted in Asia than in North America or Europe.
For leading companies, implementing a global innovation strategy is paying off. We found that firms that favor a more global R&D footprint outperform their less globalized competitors on a variety of financial measures. This is important, because, as in previous years, we found no statistically significant evidence that higher levels of spending guarantee better results. Our refrain has long been that it’s not how much you spend on research and development, but how you spend it. But it’s also where you spend that determines your success — and our 2015 study shows that decisions about R&D location look very different today than they did less than a decade ago.
5 Employment Stats Every Hiring Manager Needs to KnowRobert Half
Learn five key employment stats that can help inform you about the current hiring climate and increase your chances of landing the talent you need to grow your business.
CMO vs CIO: Paths Forward to Collaboration on Collaboration - Ray Wang, Esteb...OpenKnowledge srl
CMO vs CIO: Paths Forward to Collaboration on Collaboration - Ray Wang (Constellation Research), Esteban Kolsky (ThinkJar), Keynote Speakers @ Social Business Forum 2013
Social Data Intelligence: Integrating Social and Enterprise Data for Competit...Susan Etlinger
This report lays out a mandate for enterprise organizations to integrate social data into other enterprise data streams, or risk building a "social silo." Includes best practices, frameworks, and a social data maturity map.
3 hard facts shaping higher education thinking and behaviorGrant Thornton LLP
Expansion in tuition, enrollment, faculty, buildings, and everything else ― is fast becoming a thing of the past. Institutions will have to carefully pick initiatives, making clear choices about what to do and, most significantly, what not to do. Download 2016 State of higher education >> http://gt-us.co/1UbUF56
Data breaches and theft of user information can do crippling damage to a digital media company. Creating an effective cybersecurity program is a critical step.
How to Engage Affluent Investors on Social MediaLinkedIn Canada
Why are finance companies increasingly turning to social media to connect with affluent investors? Because the number of HNW individuals in Canada rose 6.5% to a record 298,000 people last year. Of this demographic, 46% already use LinkedIn for financial purposes – indicating that there is an engaged audience on the platform. This presents a clear opportunity for the financial services industry to target HNW individuals when marketing on social media, specifically on LinkedIn.
The executives polled on this survey’s five-year anniversary are sounding a decided note of caution—while growth in most business metrics continues, the pace is more moderate than seen in recent years. For more information, please visit http://www2.deloitte.com/us/en/pages/deloitte-growth-enterprise-services/articles/americas-economic-engine-tapping-the-brakes.html
The business landscape is being transformed by a series of megatrends, of which digital technology is already proving to be the most pervasive and potentially disruptive.
Moving beyond multichannel: A Deloitte perspective on customer experience in ...Deloitte Canada
Think like a retailer: Multiply your multichannel returns
Is it a café? A financial genius bar or an app? The financial institution (FI) of tomorrow is already here, giving customers countless new ways to carry out their financial transactions.
Consumers are driving this transformation. They’re connected, knowledgeable, tech-savvy and very demanding. They don’t just compare one FI’s services to another, but to the best customer service they’ve had anywhere.
There’s much at stake. Some studies show Millennials count banks among their least-loved brands. Others show disruption in the FI space could impact existing market share dramatically in just five years.
However, FIs are adapting to these shifts. They are borrowing the best ideas from other businesses to create an intimate customer experience—especially from retailers.
But there’s more to be done.
• FIs need to structure themselves around customers. Not products or services.
• They need to understand each customer’s path to purchase.
• They need to make interactions simple and enjoyable.
• They need to evolve their internal structure: P&L, culture and their real estate strategy.
To learn more about how outstanding customer service is the key to delivering long-term business value, view our Slideshare, the second piece in our series, Making Change: Creating the financial Institution of the future.Then ask yourself, what opportunities are you going to take hold of, and what kind of FI do you want to be. Please get in touch with us for more information.
Marketing Basics Guide for Small BusinessInJust5.com
Free small business marketing basics guide. Extract from the How To Market My Small business Course: https://www.injust5.com/downloads/market-small-business-course/ Explanatory video for this resource at: https://www.injust5.com/2016/06/25/marketing-basics-small-business-free-handout/
There’s never been a better time to be an analyst.
While historically analytics was consigned to the metaphorical fireplace in an organisation, to be acknowledged and occasionally fed but largely ignored, today the story is much evolved. The vast amounts of data being produced in ever greater amounts has led
to a renewed interest in making sense of this information treasure trove, and successfully unlocking its secrets can be a tremendous boon to businesses.
But the discipline is not without its challenges. Many organisations have not yet worked out how to store and organise the data they are generating, let alone analyse it. IT infrastructure is evolving, but not always in the right direction, and certainly not always fast enough in Asia.
Full Study - Digital Roadblock: Marketers Struggle to Reinvent ThemselvesAdobe
We’ve all heard it: The future of marketing is digital. Get on board or get left behind. So what’s holding marketers back?
We surveyed more than 1,000 U.S. marketers to explore how they’re evolving in the digital age, where they need help and what their priorities are going forward. This is the full results from our Digital Roadblock study.
Resourcefulness, creativity can help further your nonprofit's missionGrant Thornton LLP
If there’s one lesson that nonprofit organizations have learned in recent years, it’s that resources are finite and must be allocated prudently. How not-for-profits must quickly adapt to find new and creative ways to respond. See more in our State of not-for-profit industry 2014: http://gt-us.co/StateofNFP2014
When the temperatures rise, productivity in the work place seems to drop. Learn how to boost productivity in the workplace this summer with these effective tips from Eagles Talent.
This paper examines the increased complexity of the healthcare industry, fueled by increasing reliance on automation, information technology, and the changing regulatory and reform environment. Healthcare organizations face an environment characterized by rapid changes in mandates, technology, and stakeholder expectations, all of which combine to increase the consequences of historical risks and generate new risks. Existing informal, siloed, and reactive risk management processes cannot effectively identify and manage the greatest, strategic-level risks facing the industry. Through years of working with commercial and government clients, Booz Allen Hamilton, a leading strategy and technology consulting firm, has developed a proven strategic risk management methodology to ensure the effective management of these strategic risks.
Ephesians for Beginners - #6 - The Basis for Unity in the ChurchBibleTalk.tv
Paul explains the universal nature of the church by outlining the way God has brought together the most disparate groups of that era - Jews and Gentiles. (Eph. 2:11-22)
Введение в технологическое предпринимательство. Вводный воркшоп для участников первого цикла акселерационной программы EGAP Challenge в Днепре (в исполнении FeelGoodLabs' CEO - Sergey Dovgopolyy
Variable peak pricing and hedging jun 2006Michaline Todd
Presentation by Dr. Bernie Neenan, and economist with the Electric Power Research Institute.
Referenced in this May 26, 2011 eMeter blog post: http://bit.ly/k1cKVR
Anticipatory Coordination in Socio-technical Knowledge-intensive Environments...Andrea Omicini
ome of the most peculiar traits of socio-technical KIE (knowledge-intensive environments) -- such as unpredictability of agents' behaviour, ever-growing amount of information to manage, fast-paced production/consumption -- tangle coordination of information, by affecting, e.g., reachability by knowledge prosumers and manageability by the IT infrastructure.
Here, we propose a novel approach to coordination in KIE, by extending the MoK model for knowledge self-organisation with key concepts from the cognitive theory of BIC (behavioural implicit communication).
Ephesians for Beginners - #8 - Unity of the ChurchBibleTalk.tv
This section of the epistle describes the proper response to God's offer of salvation and the blessings attached to it, the first of which is to maintain the unity of The Spirit. (Eph. 4:1-16)
How to fund your growth for 2015 ? Discover revenue-based financing Lighter Capital
What's your big idea for 2015?
For entrepreneurs, the beginning of a new year often involves a lot of planning for the next phase of your company's growth. Whatever your growth plan may be, taking your company to the next level requires investment, and investment generally means outside funding.
Join our upcoming webinar with Lighter Capital CEO BJ Lackland to learn about revenue based financing. Our funding is entrepreneur-friendly and will:
Get you access to capital fast
Not require any personal guarantees
Not dilute your equity
With Lighter Capital, you can get funded for 2015. Spend next year growing your business, not looking for ways to fund it!
FinTech & InsureTech - Corporate Lending: Company presentation by Sebastian Nienaber, Founder & CEO of ConsciousGrowth at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
This presentation covers a number of issues relevant to starting and running a business, including:
* Starting a business: What you need to know
* Ownership structures: Pros/Cons of each
* Business plan: Your roadmap to success
* Financing your business
* Building a relationship with your bank
* Why businesses fail
Speaker: Ms Veni Iozzo, Vice President, CML Business Development, CIBC
More information: http://www.marsdd.com/Events/Event-Calendar/Ent101/2007/mechanics-business-20071212.html
Revenue Based Financing: Why it Works for Growing Technology Companies Lighter Capital
Get Your Growth Capital Beyond VCs, Angels and Banks.
In this webinar, BJ Lackland, CEO at Lighter Capital explains why revenue-based financing is a better funding option for growing technology companies. Watch and learn:
-What's Revenue Based Financing
-Who It's Designed For and How to Decide if it's For You
-How Does It Compares to Other Funding Options like Angels, VCs, and Banks
Discover a New Funding Option - Revenue Based Financing Lighter Capital
Get Your Growth Capital Beyond VCs, Angels and Banks.
In this webinar, BJ Lackland, CEO at Lighter Capital explains why revenue-based financing is a better funding option for growing companies. Watch and learn:
-What's Revenue Based Financing
-Who It's Designed For and How to Decide if it's For You
-How Does It Compares to Other Funding Options like Angels, VCs, and Banks
Leverage.ph is an online peer to business lending platform where users can apply for a loan and even invest in a SMEs with calculated and computed risk compared to doing it individually. We also can do cash management service for SMEs as value added services to them.
How to Plan Your Yearly Small Business BudgetKabbage
Before you begin mapping your financial targets and goals for 2020, you must plan your budget. The right budget can help you prepare for taxes, identify seasonal peaks and lulls, explore growth opportunities, gauge your small business’s performance, and achieve your 2020 goals.
Mom & Pop Merchant Solutions funds the business loans that banks won't regardless of A merchants (business owners) credit scores.
Mom & Pop Merchant Solutions provides business loans and merchant cash advances that allow a company working capital in an otherwise lenderless world. All we hear all day long is how banks are not lending business owners money.
Mom & Pop Merchant Solutions is syndicated with 3 partners across the nation and we are the driving force behind the merchant cash advance and business loan alternative industry.
We are one of the largest conduits in the nation for small busines loans that have been turned down by the bank.
So if for any reason, you have had trouble in the past with your credit, we will be there for you. Our loan amounts range from $2500 to $1,000,000 in 5 to 7 days.
...and we approve over 98% of all applicants.
email :contact@businessfast.loan
Understand the resources required to execute on your business concept; understand the different opportunities to fund start-up and subsequent growth, and the opportunities and challenges associated with each.
For Business Funding go to http://frombootstobusiness.com/category/from-boots-to-business/business-finance/
Before you begin mapping your financial targets and goals for 2019, you must plan your budget. The right budget can help you prepare for taxes, identify seasonal peaks and lulls, explore growth opportunities, gauge your small business’s performance, and achieve your 2018 goals.
Similar to Crowdfunding Options for Entrepreneurs (20)
Find out how to launch crowdfunding campaigns for animals and pet products, 4 types of animal crowdfunding projects, best crowdfunding platforms for pet fundraising, and why bloggers should get involved.
The latest data about the use of technology including virtual and augmented reality in health care and other industries. Current state of the industry and future trends.
More than half of Kickstarter campaigns fail to reach their crowdfunding goal. The presentation examines the reasons for that and suggest the steps to be taken to improve your chances to succeed.
Crowdfunding site Kickstarter has raised over $1 Billion for thousands of crowd funding campaigns. Crowdfund Productions has created the infographics to illustrate Kickstarter data about success rate and amounts of money raised by categories as well as 10 steps to run a successful crowdfunding campaign.
The presentation at Aspen Investment Forum (www.AspenInvestmentForum.com) on January 6th, 2014 about a partnership between one of the largest equity crowdfunding platforms in Europe, OurCrowd and GE.
Kickstarter and its alternatives (other crowdfunding platforms and DIY crowd ...Crowdfund Productions, LLC
Kickstarter is the most famous crowdfunding platform. But it is not the best option for everyone. The presentation delivered in August 2013 discussed different options for people and businesses looking to crowd fund their projects. How to chose the right platform, should you DIY, what to look for and how this choice can influence the result of your campaign.
Free or inexpensive tools to make your Kickstarter, Indiegogo or any other crowdfunding campaign efficient and more predictable. The slides were prepared for my presentation in Denver in June, 2013.
1. >$50,000
<$50,000
REWARDS OR DEBT (P2P, P2B)
EQUITY
DEBT (P2B)
or
EQUITY
$50,000-$500,000
You can raise
significantly
more funds
You will not
have monthly
cash outflow
(as in debt
model)
You will give up a
small % of shares, so
will keep the control
over the company’s
operations and
planning
The most time
consuming out of
three types of
crowdfunding
Significant
upfront costs and
– annual SEC
filing expensesEQUITY
Pros & Cons:
Lending:
REWARDS
Costs – depend on the
amount to be raised.
Portal fees – 7.5%– 10% plus legal and accounting expenses, annual filing costs.
Very time
consuming and it
takes months to
get the funds
In the case of fixed
funding there is a
possibility that you
will not get any
money
Huge competition
for backers’
attention on
popular
crowdfunding
portals
Not all types of
businesses/products
are a good match for
the rewards type
You keep your
company’s
ownership
You can raise
significantly
more than your
initial goal
You can use the
campaign for customer
engagement, marketing
and PR, pre-sales,
beta-testing,
crowdsourcing, finding
potential partners,
distributors and
investors
You don’t need to file
extensive documentation
(as in equity crowdfunding)
or to have high credit score
(as in P2P lending) or a
profitable business (as in
P2B lending)
Costs – 7%-14% plus perk
fulfillment and marketing expenses
YOUR BEST OPTION
Quick
access to
cash
You keep your
company’s
ownership
Costs:
0 (Kiva Zip) up to 15% for P2B and 7% to 35% for P2P
Must have a good
credit score (P2P)
or positive cash
flow (P2B)
Monthly cash
outflow
AMOUNT
debt (P2B) or equity
Yes
debt (P2P) or rewards or equity
No
<1 month
equity
rewards
debt
3-5 months 5-10 months
Month: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
TIME
STAGE
rewards
rewards
debt
(P2P)
debt
(P2B)
equity
(?)
equity
Startup Growth
P2P Lending – for startups in need for immediate cash and means to meet
payment obligations
P2B Lending – for established businesses with positive cash flow to finance their
expansion
REWARDS – for businesses operating in B2C market with reasonably inexpensive
and innovative but not too complicated products. Must have social appeal; be able
to produce the product within several months after the end of a campaign
EQUITY – for businesses that can’t (don’t want to) borrow money through P2B
marketplace, companies in need to raise higher amounts of money. Must have cash
upfront to fund the legal and accounting expenses and can wait for 5 to 10 month to
receive the funds.
Crowdfunding
Fund Your Business
What Type of
Crowdfunding to Use to
Fund Your Business
www.CrowdfundProductions.com