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Crowdfinance: The Path to Economic Democracy 43015

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We’re living in a remarkable moment in history where due to technological achievement & legislative overhaul, we are witnessing a reconstitution of our entire finance system. Because these changes are essentially democratizing finance by drawing in the crowds, this reformation is being referred to as “crowdfinance”. Crowdfinance will cause Wall Street & Banking to be unrecognizable in a few short years. But, with great change comes great opportunity. This presentation illustrates how modern investors, businesses and underwriters can capitalize on this financial transformation.

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Crowdfinance: The Path to Economic Democracy 43015

  1. 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
  2. 2. Debunking crowdfinancemisconceptions Source: The New Yorker Magazine
  3. 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. 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. 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. 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. 7. But between bubbles, scandals, crashes & crisis’, America lost her way
  8. 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. 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. 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. 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
  12. 12. Flawedmarket structure,NOTflawed taxstructure,iswhatis exacerbatingthewealth divide
  13. 13. Crowdfinanceisrightingdysfunctionalcapitalmarkets bycombiningmoderntechnologywithmore democraticsecurities regulations Crowdfinance & Economic Democracy
  14. 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. 15. Much more work needs to be done to bring higher yielding fixed- income opportunities to retail investors!
  16. 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
  17. 17. “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
  18. 18. 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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