Investors in the crowdfunding campaign which ran from October 24 to 31 invested at an average of CHF 1,750 in return for neon shares in the form of tokenised participation certificates.

The crowdfunding campaign, which offered two to 250 non-voting shares priced at CHF 200.00 per share, raised CHF 5 million from 2,000 investors on its first day.

Read more: Fintech News Switzerland

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So how can you get in on the action? One of your options is to invest in real estate crowdfunding.

What Is Real Estate Crowdfunding?

Real estate crowdfunding is a type of crowdfunding that allows people to pool their money together to invest in a property. It works like equity financing, where each investor owns a piece of the property. In this business model, you investing in real estate without being a landlord, hence the term “crowdfunding.”

And one of the keys to making real estate crowdfunding convenient and accessible is Fintech or financial technology. In this article, we’ll explore the many ways Fintech is shaping the future of real estate crowdfunding.

1. Diversifying Investments Have Been Made Easy

Diversification is an essential aspect of any investment. For one, it allows you to spread your risk across different asset classes and sectors. And so, if one investment goes bad, you’re not wiped out completely.

Fintech has made it easier to diversify your portfolio with real estate crowdfunding. Now, platforms offer fractional ownership of properties, so you can invest as little or as much as you want. This allows you to build a well-rounded portfolio without breaking the bank.

For example, suppose you want to achieve the 7 streams of income. In that case, you can invest in rental income, where you’re paid monthly, commercial income from businesses that lease space in the property, and value-add income from renovating and selling the property. This then makes crowdfunding worthwhile, less risky, and more manageable.

2. It Allows Access To More Deals

In the past, real estate crowdfunding was only available to accredited investors. These individuals earn an annual income of USD$200,000 or more or have a net worth of USD$1 million or more. This meant that the average person couldn’t get involved in these deals. However, fintech has changed this by enabling non-accredited investors to access deals through online platforms.

This is considered a huge benefit for the industry and investors because it allows anyone with a few hundred dollars to start real estate investing. It’s also a great way to learn about the industry and get into it without putting down a lot of money. Moreover, as there are many assets to invest in, you can search for more favorable deals. This could be done by looking at the location, the type of property, or the expected return on investment.

3. More Investors Per Property

Another advantage of real estate crowdfunding is having many investors per property. This was not possible before as it was logistically difficult to track all the people involved. But fintech has made it easy for platforms to keep track of all investors and their contributions due to a central database that features real-time updates.

This is great news for investors, who can pool their money together to buy a property. It also means that each investor has a smaller financial stake in the deal, so the loss isn’t as significant if something goes wrong. J’Den offers a prime location in the Jurong East neighbourhood, providing easy access to numerous amenities such as Westgate Mall.

4. It Allows For Faster Deals

Another way that fintech is shaping real estate crowdfunding is by allowing you to do deals much faster. The reason behind this is you’re not relying on banks for financing, so you don’t have to go through the traditional buying process. Fintech has enabled platforms to offer pre-approved loans, so you can quickly get the money you need.

This can benefit investors as they can take advantage of opportunities as they arise. It also means you’re not tied into a long-term loan and can sell your share of the property if necessary. By offering investors more convenient entry and exit routes, fintech allows them to enter and exit the market as they please and as the market favors.

5. It Promotes A More Transparent Process

In the past, real estate crowdfunding was a very opaque process. This is because there wasn’t much information about the different deals and how they performed. Fintech has made it possible for platforms to be more transparent with their data. This includes showing you the expected return on investment, the fees being charged, and how the property performs.

This is extremely beneficial for investors, allowing them to make more informed decisions. It also builds trust between the platform and the investor, which is essential for this industry. Moreover, it allows you to compare different deals and see which one is right for you.

6. Better Risk Management

Another way that fintech is changing real estate crowdfunding is by allowing platforms to offer better risk management tools. This includes things like insurance, reserve funds, and diversification. Insurance protects you from unforeseen events, such as damaged property or tenant not paying rent. Reserve funds are used to cover any unexpected repairs or vacancies. And diversification helps to spread the risk by investing in different types of properties.

These tools are extremely important for investors as they help provide peace of mind that their investment is safe. It also means that you’re more likely to get a positive return on your investment as they make decisions based on these risk factors, such as where to buy a property, what type of property to buy, and how much to invest.

7. It Offers A More Efficient Process

Lastly, another way fintech changes real estate crowdfunding is by making the process more efficient. This includes things like automating paperwork and using artificial intelligence to find deals. For one, automating paperwork saves time as you don’t have to fill out forms manually. And using artificial intelligence to find deals means you can quickly identify properties that match your investment criteria.

Investors can significantly benefit from this as it saves them time and effort. It also allows them to focus on other things, such as their day job or family. Moreover, it makes the whole process less stressful as you don’t have to worry about making mistakes.

Wrapping Up

Fintech is changing the way we do real estate crowdfunding, and there are many benefits for investors. These include a more transparent process, better risk management, faster deals, and more efficient processes. If you’re thinking of investing in real estate crowdfunding, the insights above can help you gain an understanding of the various changes in the industry brought by financial technology.

The post How Fintech Is Shaping The Future Of Real Estate Crowdfunding appeared first on FinTech Ranking.

Certified by both B Corp & 1% For The Planet, the company’s debit card “plants trees as you spend & app lets you track, reduce & offset.”

Read more: Crowdfund Insider

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There are a few steps that all campaign creators can follow to help make their fundraisers a success whilst raising as much money as possible. Let’s dive in. 

Be Creative

There are thousands of fundraisers held each year in America. So, to make yours stand out amongst the rest, ask yourself what will make your campaign unique? It’s important to unleash your inner creativity into the fundraiser. Make it as quirky and fun as you like to really grab the attention of others. For example, if you are holding a local quiz night go all out with the advertising. Create loud and colorful banners to promote the event and offer people a free drink on arrival to encourage them to buy a ticket. Research some fundraising ideas and think of a few ways that you can put your own spin on them. 

Make It Personal 

If you want people to help you meet your campaign goal, then you need to add a personal touch to your campaign. Show people why they should care about your cause to help them understand why it is so important. A great way to achieve this is through sharing a personal story. If there is a reason why this cause is so close to your heart, tell people. It can help them gain a better understanding of why you need their donations but also what their donations will do to help. Once people connect and relate to your campaign, they are more likely to put in a donation to help you reach your end goal. 

Create A Fundraising Video

At first glance, you might think a fundraising video requires a lot of technical equipment and a big budget. In reality, you can film a compelling fundraising video off your own mobile phone. A video is great for amplifying your message and it helps to grab the attention of others. Sometimes, a poster that is too wordy, or a lengthy email, fails to grab people’s attention. Luckily, this is where video can help. Take a look at this blog from Givebutter, they explain how fundraising videos can help your campaigns spread their all-important message. 

Not only is a video a great way to share your story with others, but it also puts a friendly face to your campaign which people will find easier to relate to. It’s time to pick up the camera and give it a go to help bring in those all-important donations. 

Utilize Social Media Platforms

Social media can really help you take your campaign goal to new heights. Statistics show that 70% of the US population have social media accounts and it is time to use this to your campaigns advantage. You should use social media platforms to spread awareness of your cause. They are brilliant platforms for helping you build relationships with others as you can strike up discussions and conversations with people through useful tools like live streams. Social media platforms are the ideal place to spread your campaign message. The great thing about them is you can reach a worldwide audience from the comfort of your own home. One post can reach thousands of people in a matter of minutes. 

Make Donating Easy

In order to help you reach your campaign goal, you want to make the donating process as simple and easy as possible. For instance, if you are holding a community fundraiser make sure to have donation buckets lying around. Anyone can throw in some spare change, and it soon adds up. If you are holding an online fundraiser then try to make the payment process as simple as possible. If someone wants to donate but has to fill out five different pages of information, this can be off-putting. Instead, keep the donating process as simple as possible to make it easier and more straightforward. 

Monitor Your Success

In order to understand whether you have reached your campaign goal or not, you will need to regularly monitor your campaigns success. Don’t hesitate to share any great news with your audience. For instance, if you have smashed half of your campaign goal within the first week, let the people know. Not only does it showcase your gratitude towards those who have donated, but it can encourage people to do the same to help you reach your goal. 

It is recommended that you set weekly and monthly goals to help. A fundraising thermometer is a brilliant way to show people how far you are into reaching your goal. It is a visual representation of how your campaign is going. You can find plenty of fundraising thermometer templates online to get you started.  

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Let’s give you an idea as to what investment instrumentalities are out there. So, read on, and find out which ones can bring you the most profit for your money.

Cryptocurrencies

Perhaps one of the hottest commodities in the market right now, cryptocurrencies are also one of the most volatile movers. As one of the unregulated instrumentalities, they’re subject to high volatility due to investor interest and other similar factors. As a result, you can make a lot of money or face an abrupt decrease in the value of your investment.

This type of investment isn’t for the conservative type as it’s rife with risk.

Alternative investments

If you’re seeking to buy more tangible investments such as gold, silver, or collectables, then you’re perfect for alternative investments. Diversifying your portfolio from traditional instrumentalities poses a considerable risk and reward scenario. Investors can strike it rich based on the prevailing market condition, and the converse is also true.

Similar to cryptocurrency investments, these aren’t for the faint-hearted as they’re pretty volatile and subject to the whims of the market. You can learn more about bullion bars and coins here.

Government-issued bonds

One of the most secure investment instrumentalities available are government-issued bonds. These bonds represent a loan that you provide for the government entity, and they give you a fixed income for a period of time.

These are almost risk-free as they’re backed with the faith and credit of the government you bought it from. The drawback to this investment is that many of them don’t pay a high enough rate. However, if you appreciate a steady income, then this is an instrumentality you should consider.

Certificates of deposit

If you’re looking for state insured savings account that will provide you with a fixed interest rate for a specified period, then the certificates of deposit will be perfect for you. These investments will provide you with the funds at a fixed date in the future. The drawback of this instrumentality is that you’ll have to pay an amount if you choose to cash it in earlier or sell it to another client.

Mutual funds

If you’re looking to invest in the future, then mutual funds are best for you. Mutual fund managers pool together resources from investors and invest them in diversified portfolios. The profits and losses are then divided based on the number of investors, so the risk of losing everything is relatively low.

Takeaways

If you want to invest your hard-earned cash for the chance to make even more money, there are several investment instrumentalities that you can choose from right now. However, it pays to be an informed investor, so it’s best if you collaborate with local financial advisers who can guide you in making the right decisions to grow your money.

Image by Steve Buissinne from Pixabay 

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Investors in neon’s investment round reportedly include the TX Group, BackBone Ventures, QoQa Services SA, the Helvetia Venture Fund, the Schwyzer Kantonalbank’s innovation foundation, as well as private investors.

Read more: Crowdfund Insider

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Curve’s initial target was £1m, which it easily sailed past. The fintech even beat its own record from its September 2019 campaign which saw it raise £6m in four hours and 42 minutes, while in its latest campaign, over the course of just two hours and 49 minutes, Curve hit the £6m mark.

Read more: AltFi

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Having secured £72.5 million from a leading group of international investors as part of its successful Series C round, Curve is now extending the opportunity to its customers and wider community to take part in the next stage of its ambitious growth strategy.

Since its record-breaking crowdfund in 2019, which raised £4 million within 42 minutes, Curve’s valuation has tripled.

Read more: BUSINESS WIRE

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ikigai is raising capital at a pre-money valuation of £10.95 million. The Fintech has previously raised pre-seed funding of £2 million.

ikigai is on a mission to be the 1st UK Fintech to combine banking & wealth management in one app, targeting the young affluent in need of money management services.

Read more: Crowdfund Insider

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The merger is being structured as an acquisition by Crowdcube  of all of the outstanding share capital of Seedrs,  via scheme of arrangement. Existing Crowdcube shareholders and option holders will own 60% of the combined company, and existing Seedrs shareholders and option holders will own 40% of the combined company. According to a joint statement, the merger ratio reflects the approximate valuations of the two companies based on each of their most recent fundraising rounds.

Read more: TechCrunch

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