How Ireland’s Spark Crowdfunding Got its Start

October 5, 2019
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“We’ve not invented anything new,” Chris Burge, CEO of Spark Crowdfunding, tells me. “We saw the rise of crowdfunding in Europe, the states, and the world and we thought, ‘well why doesn’t Ireland have one?’” We’re in the lobby of a Dublin hotel drinking coffee, right around the corner from Spark’s offices on South William […]

Crowdfunding Legal Limit Too Low for Intended Beneficiaries

July 25, 2018
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Regulation Crowdfunding (Reg CF), a regulation that grew out of the Jumpstart Our Business Startups (JOBS) Act of 2012, was designed to allow non-accredited investors to invest relatively small amounts in startups. But the regulation seems not to be serving its purpose, according to people in the fintech investment community. Why is this? Because the […]

Equity Crowdfunding to Masses Slow Out of the Gate, But Pickup Expected

February 25, 2017
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This story appeared in deBanked’s Jan/Feb 2017 magazine issue. To receive copies in print, SUBSCRIBE FREE After a lackluster start, spectators are betting on more promising times ahead for equity crowdfunding to the masses. Although it’s been talked about for years, it wasn’t until last May that the general public could buy shares of their […]

Meet the Lending Platform With 0% Interest (Kiva)

January 6, 2016
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Chany of Angela’s Boutique in Philadelphia, PA needs $5,000 to help purchase new signage and lighting to improve her storefront. She’s been turned down by banks even though she’s been in business for more than five years. 61 participants have already contributed to her loan thanks to a marketplace lending platform, which puts her very […]

LendIt Conference: The State of Alternative Business Lending

May 6, 2014
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LendIt Panel

Have you heard? Banks aren’t lending. Nobody at LendIt seems to mind though. Ron Suber, the President of Prosper Marketplace, said earlier today that banks are not the competition. That’s an interesting theory to digest when contemplating the future of alternative lending. If banks are not the competition, then who is everyone at LendIt competing […]

Merchant Cash Advance Syndication: Crowdfunding?

March 28, 2014
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merchant cash advance syndication

You might not have known this, but one of the most lucrative opportunities in merchant cash advance is the ability to participate in deals. It’s a phenomenon Paul A. Rianda, Esq addressed in DailyFunder’s March/April issue with his piece, So You Want to Participate? Syndication is industry jargon of course. You probably know the concept […]

Merchant Cash Advance Term Used Before Congress

December 18, 2013
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capitol building

I’d like to think that the term, merchant cash advance, is mainstream enough that a congressman would know what it was. I have no idea if that’s the case though. What I do know is that Renaud Laplanche, the CEO of Lending Club gave testimony before the Committee on Small Business of the United States […]

The Economics of Lending: Money vs. Goods and Services

May 21, 2013
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money exchange

If I were to offer you the choice between a free DVD with a retail value of $20 or a free $20 bill, which one would you take? Unless the DVD was something you were going to buy anyway or unless it was a rare item that is hard to find, you’d probably accept the […]

Beyond Merchant Cash Advance: An Interview With Karlene Sinclair-Robinson

March 24, 2013
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Guest: Karlene Sinclair-Robinson People come to me for advice on business lending quite often. I’ve spent years helping small business owners obtain financing, many of whom were turned down previously by a bank. And so the story has been told that if traditional lending doesn’t seem to be an option, there is an excellent Plan […]

Funding for Startups – An Ongoing Struggle

March 6, 2013
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Startup. Some people like the term and some people hate it. It doesn’t even mean the same thing to everyone. To some, the mega giant Groupon is a startup and they’ve been in business for almost 4 years and earned $638 million in revenue last quarter. To others, a startup is simply an idea for […]