Crowdfunding’s Place On The Capital Ladder

Often times crowdfunding in the United States is discussed as a dichotomy. On one hand you have the brand of crowdfunding that takes place now, the donation- and rewards-based models that fuel sites like Kickstarter, Indiegogo and countless others. On the other hand you have lending- and equity-based models, some of which are legal today and some that are still on the horizon. I had a chance to sit down with the founders of crowdfunding...

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What is crowdfunding and how does it work?

Until recently, financing a business involved asking a few people for big sums of money. Crowdfunding is turning this idea on its head, using the internet to help entrepreneurs talk to thousands – if not millions – of potential funders that each contribute a small amount. The idea is the latest in funding innovations. It means small business owners that are being turned down by High Street banks now have an opportunity to appeal directly to...

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