Real tools, real resources, real online website for growing a
real business, to raise real fund, to promote a real enterprise, to provide
real help for people in serious need.  
Social Lending Club: Peer-to-peer lending (also known as
person-to-person lending, peer-to-peer
investing, and social lending;
abbreviated frequently as P2P lending) is the practice of lending money to unrelated individuals,
or "peers", without going through a traditional financial intermediary such as a bank or other
traditional financial institution.

------------------------


This lending takes place online on peer-to-peer lending companies' websites using various
different lending platforms and credit checking tools

-----------------b
Thousands of investors each month join Lending Club for solid returns. Investments in Lending
Club Notes can provide: Low volatility. Monthly cash flow. Solid returns, join crowdfunding
foundation a real and poerful social lending club..

--------------------

Learn the Basics of Borrowing and Investing with Peer to Peer Lending

Subscribe to our page, sign up and log in and get access to exclusive
information. WWW.CROWDFUNDINGFOUNDATION.BLOGSPOT.COM
Peer to Peer Lending for Entrepreneurs, Investors, and
business oriented people.
---------------------
Discover how to get the best returns possible by smartly investing in p2p lending
------------
My Lending Club review comes from personal experience both borrowing and investing with
Lending Club. I consolidated debt, now I invest… you also can do the same.
----------------

Lending Club is a social lending network that brings together investors and credit-
worthy borrowers to offer value beyond traditional banks.

-----------------

For lenders, money invested goes immediately to Lending Club’s approved borrower members.
Most lender members spread their investment across tens or hundreds of qualified borrowers

------------------

I am almost never a proponent of borrowing money, but this is one exception where it is
actually quite wise to in more than one way ---------------
On our website, our lending Club gives 7 Lucrative Reasons to
Become an Investor:

1.You can earn better returns – crowdfunding investors have earned an average net annualized
return of over 7%.

2.It’s straightforward – The money you invest funds loans made to creditworthy borrowers.

3.We’re selective – Many borrowers apply, but less than one in ten are accepted. LC approves
only creditworthy borrowers as members.

4.It’s easy – We make it easy to build a portfolio based on your criteria. Most lending members
spread their investment across tens or hundreds of qualified borrowers.

5.We set fair and fixed rates – Our rates are based on historical trends and the current economic
climate. Borrowers pay a fixed rate for the 3-year life of the loan.


6.You get flexibility – You can reinvest any interest and principal payments each month or
withdraw them like an annuity. You can also put your notes up for sale on the Note Trading
Platform.

7.Do good while doing well – Many of our lender members find it rewarding to help others meet
their financial goals. Especially in this economic environment, crowdfunding  members come
through when big banks do not.
Social Investing with Lending Club
Experience with Lending Club

Benefits of social investing:
•High returns – In the last 2 years I have a net annualized return which is much higher than
my stock market investments.

Solid stock market alternative - Many people are uncomfortable investing in a volatile stock
market they have little to no control over, I’m one of them.

Social investing is a solid alternative that pays well and offers more security (as long as notes
are chosen carefully).

•You can help people – People are borrowing for many different reasons, many of them are
honorable. Choose notes for debt consolidation, business loans, or anything else you’d like
to support.

The point is, you can help people with something you’re specifically passion about, which is
cool.

•Set on your own criteria – Tweak borrower criteria so you only see notes that fit your
investing goals.

Create and save filters based on your criteria and only invest in notes that fit those criteria.

--------------
(Watch the video for more detail.)
How to pick notes

One of the best things about social investing is the ability to pick what your money will be
used for.

I prefer to support those looking to consolidate and eliminate debt, so I do. Maybe you want to
fund small business start ups or help people pay off medical bills. It’s up to you and that’s
super cool.

1.Use filters – Before browsing available notes, build and save filters based on criteria that will
help lower risk. (Watch the video for more detail.)

2.Choose loan types – Typical loan types go toward debt, businesses, weddings, and home
renovations. As mentioned, I commonly stick with debt consolidation loans because I like
helping people get out of debt – invest where you want to help.

3.Diversify amounts – Invest small amounts in many different notes to diversify risk. I typically
set a limit of $25 or $50 per note so if any particular note goes into default, I minimize loss.

4.Diversify grades – You have a choice of notes ranging from grade A to grade G. Typically A
grade notes are safest and G grade notes are most risky, with a sliding scale for other grades
in between.

Nearly 50% of the notes I choose land in grades B and C, but the other 50% are spread
throughout the other grades to help boost returns while still providing a level of security.
What Is Crowdsourcing?

Despite the jargony name, crowdsourcing is a very real and important business idea.
Definitions and terms vary, but the basic idea is to tap into the collective intelligence of the
public at large to complete business-related tasks that a company would normally either
perform itself or outsource to a third-party provider. Yet free labor is only a narrow part of
crowdsourcing's appeal. More importantly, it enables managers to expand the size of their
talent pool while also gaining deeper insight into what customers really want.
What is Crowdsourcing?
Crowdsourcing is the process of getting work or funding, usually online, from a crowd of
people. The word is a combination of the words 'crowd' and 'outsourcing'. The idea is to take
work and outsource

-------------------
Definition of 'Crowdsourcing'
A method of acquiring news about current events. Crowdsourcing
gleans information about breaking events from the general public, as
opposed to waiting for a professional news organization to relay a
report. Video clips that are posted online are often used in
crowdsourcing.

-----------------
'Crowdsourcing'

The internet is often the chief tool used in crowdsourcing. Websites and
blogs are important sources of independent information for many, and
have supplanted other traditional methods of gaining public sentiment
on an issue. Crowdsourcing may effectively serve to undermine the bias
that many accuse professional newsmakers of harboring, in some
instances.
Crowdfunding Foundation: Social Investing with Lending
Club;
Benefits of social investing. Peer to Peer Lending for
Entrepreneurs, Investors, and business oriented people.
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''Real Estate Crowdfunding''
Real estate crowdfunding is a new innovative way to invest in real estate that
has emerged in recent years.

Crowdfunding refers to funding large projects using small contributions by a
large number of individuals, usually through the use of online platforms.
---------------

In the U.S., there are several real estate crowdfunding platforms, such as
Fundrise and RealtyShares for example, which offer small investors to gain
exposure to real estate investments using the concept of crowdfunding.
-----------

Nowadays, there are enough possibilities to gain investment exposure to the
real estate sector without having to purchase costly physical properties.
REITS, real estate stocks and funds and real estate crowdfunding make it
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a variety of  investment opportunities.
''Become a Commercial Real Estate
Investor Today By Investing In Group
.

Learn How Your Investment Portfolio Could Benefit from
Commercial And Or Residential Real Estate


Real estate investments can potentially strengthen your
portfolio in a number of ways.

They can diversify your portfolio, provide returns and
appreciation potential, hedge against inflation.
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Real estate crowdfunding investing?

In the past, private real estate investing was a wealth-creation engine for huge
institutional investors (like the Yale Endowment), millionaires and billionaires. And it's
generated amazing 9.6%+ long-term returns with less volatility than the stock market. But
for years ordinary investors couldn't access this investment class because it was too
expensive.



Real estate crowdfunding changed all of this. It allowed individual investors to pool their
money with other investors, and invest at a fraction of the previous cost.
==========
Conservative due diligence can greatly reduce this risk, but can't eliminate it completely.
For this reason, you should never invest money in real estate that you cannot afford to
lose.


ratings and reviews of the top 100+ sites
Is real estate crowdfunding legal?

Yes. The concept of pooling investor money to invest in real estate has legally existed for
decades, and was called "syndication". But before 2012, it was limited to friends and
family, and not allowed to be online.


That changed with the Jumpstart Our Business Startups (JOBS) Act. The first change was
in April 5 of 2012 when the law was passed.  This made it legal for high net worth
individuals (called accredited investors), to invest online for the first time.

(Accredited investor have either $1 million in net worth, or earned at least
$200,000-$300,000 per year for the last two years, depending on filing status).

But the SEC dragged its feet in implementing all portions of the law for everyday
investors. Finally, on May 17 of 2016, they implemented Title III, which allowed all investors
(called non-accredited investors) to participate online. (This is also sometimes called
regulation A+)

At that point, real estate crowdfunding investing became "legit" for all investors.


So which ones can I invest in?
If you are accredited, you can invest in any option. (Although in practice, most accredited
investors avoid the non-accredited offerings because the fees are not competitive).


If you are non-accredited, you have to limit yourself to the non-accredited offerings only.


 Top 100+ accredited sites

     How to pick? (accredited)​

 Top 14+ non-accredited sites

     How to pick? (non-accredited)
      

How are real-estate crowd funding sites legally structured?


Accredited investor sites:

 506b:

 Sites/companies using this are not allowed to market to the general investor public, and
can only do so if you are accredited and they have a previous relationship with you. So
crowdfunding sites who use this part of the law usually require you to go through a 30 day
waiting period before they will show you their investments.

 Most 506b sites are not required by law to verify an investor is accredited. So usually you
just sign an affadvit claiming you're accredited, and that's it.

 (This is the part of the law that old school syndications also use to function under).
  

 506c:
 This is the new part of the law enabled by the JOBS act. Since they are allowed to market
to the general investor public (as long as they are accredited), there is no 30 day waiting
period and you can see the investments right away.

 506c sites are required by law to verify that investors are accredited. This can be
inconvenient and may require you to send tax/bank statements, net worth statements or a
letter from your attorney/accountant certifying your status. Many sites require the investor
to reaffirm themselves every quarter or so which is a recurring pain.

​Non-accredited investor sites:​

 These function under Title III which is sometimes called regulation A+. This allows them
to market to any investor in the general public. So there is no 30 day waiting period and
you can also see the investments right away
How do real estate crowdfunding companies make
money?

Every site is different.

Some of them charge the sponsors (the people listing the investments) a fee. They may
charge a fixed price (say $30,000). They may charge a servicing charge for each investor
who signs up (subscribes) to the deal. Or they may charge a back-end "promote" and
take a share of the profits. There are some sponsor friendly platforms that don't charge
sponsors at all.

Some of them charge investors a fee. Again they may charge a fixed price, or a yearly
servicing charge (like 1%). Or they may not charge investors at all.

Some of them originate their own deals (meaning they are the sponsor themselves).
When they do, they usually take additional fees for doing things like management,
purchasing the property, selling it, etc..
What is real estate crowdfunding
investing?

In the past, private real estate investing was a wealth-creation
engine for huge institutional investors (like the Yale
Endowment), millionaires and billionaires. And it's generated
amazing 9.6%+ long-term returns with less volatility than the stock
market. But for years ordinary investors couldn't access this
investment class because it was too expensive.

Real estate crowdfunding changed all of this. It allowed
individual investors to pool their money with other investors, and
invest at a fraction of the previous cost.
======
How does real estate crowdfunding work?
The investor goes to crowdfunding sites, where they see many
different real estate deals from different companies (called
"sponsors").

Each deal includes a pitch describing what the deal is about and
the projected returns. Total projected returns vary from as low as
6-7% for conservative deals to as high as 300-400% or more for
aggressive deals.

Part of the return generally comes from quarterly distributions of
income to the investor (often ranging from 5% to 11%). Many
deals also have 2nd part: a large payout at the end when the
sponsor sells the property (hopefully for profit)
=======
Is real estate crowdfunding a good
investment?

It can be. Real estate, like the stock market, has been one of the
primary wealth creation engines for high net worth individuals for
decades. Numerous millionaires and billionaires have substantial
real estate portfolios.


And at the same time, real estate's also been the cause of wealth
destruction as well. Like all other types of investing and there
are no guarantees..
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