La startup toulousaine Lymo a levé 500 000 euros sur la plateforme de financement participatif Wiseed. 200 000 euros de plus que le montant ciblé initialement.
31 janvier 2014 par MARC LAMBRECHTS
La plateforme de crowdfunding immobilier Deal5000 sera opérationnelle et accessible aux particuliers dès la fin février (www.deal5000.be).
Derrière cette initiative en matière de financement participatif sur Internet, on retrouve Thibault Verbiest, qui a co-fondé le cabinet d’avocats Ulys et qui s’est aujourd’hui reconverti dans d’autres activités, et Frédéric Cornard, un ancien d’Advalvas, présenté comme un “serial entrepreneur”.
Ce concept de crowdfunding immobilier existe déjà aux Etats-Unis. L’an dernier, la France a suivi l’exemple américain avec le lancement de la plateforme Lymo.
“Nous sommes partis du constat que la plupart des gens veulent devenir propriétaires en Belgique. Mais tout le monde n’a pas les moyens de le devenir” disent Thibault Verbiest et Frédéric Cornard. Grâce au crowdfunding, on peut devenir propriétaire à partir de 2.000 ou 3.000 euros. Ce qui donne droit à une partie d’un bien.”
Les biens immobiliers qui seront proposés au public seront déjà loués et rénovés. Il s’agit de maisons de moins de 100.000 euros, afin de respecter la réglementation belge en matière de crowdfunding.
Crowdfunding, a new way to raise capital, has been gaining traction lately and it’s clear (at least to me) the result will be far-reaching. Traditionally, entrepreneurs or inventors would self-fund ideas or seek out banks and professional or institutional investors to secure the capital they needed to take their ideas to the next level. With crowdfunding, on the other hand, entrepreneurs can raise capital from a group of smaller investors in a secure and automated way online. At a basic level, here’s how crowdfunding differs from the traditional fundraising model:
Traditional Fundraising Model (Simplified)
Idea –> Pitch Banks or Investors –> Funding –> Execute Idea
Non-traditional Crowdfunding Model (Also Simplified)
Idea –> Set Up Crowdfunding Initiative –> Funding Goal Reached –> Funding –> Execute Idea
This “democratizing” of fundraising allows people outside the traditional investor groups and lenders to join in on the process. Kickstarter is still leading the way when it comes to creative consumer products with over $900 million pledged to over 125,000 unique projects. So far, crowdfunding has had the most success with tangible consumer products. For example, there might be an engineer who is building a more efficient bike seat and needs $10,000 to get it to market. He can post the project on a crowdfunding website and immediately have access to thousands (if not millions) of people and customers who would like to support bringing the project to market. Once the funding goal is reached, the money is transferred and the project can start.
For investors, crowdfunding means less risky, smaller dollar investments in projects they care about. For entrepreneurs, crowdfunding is a better alternative to traditional investment capital that improves the likelihood of securing the capital required to stay in business.
When we start to think beyond consumer products like new bike seats, we see other possibilities that impact other industries like real estate, startups, and even alternative energy.
To learn more about these possibilities, I did a brief interview with Nav Athwal, CEO of RealtyShares. He discussed his thoughts on how crowdfunding will affect the future of real estate investing. His Silicon Valley startup is thinking about the problem in the right way. Hopefully, his insights will help investors and other financial services entrepreneurs interested in crowdfunding.
Nav, how does traditional real estate investing work?
Real Estate is inherently fragmented and inefficient. Accordingly, although investors have a variety of options to choose from when investing in stocks and bonds, they have very few ways in which to access private real estate. Under the traditional “country-club” model to real estate investing, investors must solely rely on their own networks to access quality real estate investments. And to participate, you typically need to invest a minimum of at least $50,000-100,000. The problem is, most investors just don’t have that level of access or don’t want to put such a large sum of money into a single property, which obviously hinders diversification. And although REIT’s solve part of the problem, with REIT’s investors are investing in a pool of properties rather than a specific property. This in turn reduces transparency and control.
How do you apply a crowdfunding model to real estate at RealtyShares?
Through our online investment platform, www.realtyshares.com, we provide accredited investors access to real estate investment opportunities that are nationwide. Investors can browse opportunities by asset type (i.e. single family home or apartment building) or geography and can pool their money with other investors to purchase shares in these opportunities for as little as $5,000. Investors also have access to an investor dashboard where they can monitor their investments, returns and tax documents. Thus, through crowdfunding, we’re making investing in real estate as easy as easy as investing in stocks in publicly traded companies.
Why is crowdfunding particularly good for real estate investment? Is there a painpoint that traditional funding models don’t address?
Crowdfunding eliminates most of the barriers or difficulties involved with traditional real estate investing. Real estate is time consuming, expensive and requires skill and local knowledge. Accordingly, unless you’re willing to invest $100K into a single asset and can afford the time and effort to actively manage and operate the property, it isn’t a viable investment option.
Crowdfunding through platforms like RealtyShares not only provides a level of access and transparency that has never before been possible for real estate but also greatly reduces the time and capital requirements needed to invest. That is because each investment is passive and investors don’t have to worry about the usual headaches that come with property management and the investment minimums are much lower. This allows investors to invest more quickly and also to allocate the same $50-100K they may otherwise put into a single property across multiple properties in different geographies thereby achieving greater diversification.
Imagine sitting on your couch in New York and browsing apartment buildings or single-family home investments in Los Angeles or Seattle from your laptop or tablet. Crowdfunding is making that possible.
Empreendimento contou com o financiamento de 3,8 mil colombianos, que investiram 200 mil dólares cada.
Por Roberto Hammerschmidt em 2 de Dezembro de 2013
A Colômbia deverá lançar em breve o maior arranha-céu do país e o primeiro em 40 anos. Nada muito surpreendente se não fosse por um detalhe: ele será financiado por mais de 3,8 mil colombianos, em troca de ações correspondentes ao desenvolvimento. Dessa forma, isso faz desta campanha de financiamento coletivo (crowdfunding) a maior do mundo até agora.
Os projetos imobiliários na cidade são limitados devido à falta de fundos e recursos, resultando em longos trajetos para os trabalhadores que vivem fora da cidade. O fato de o último arranha-céu ter sido projetado há mais de 40 anos revela que o progresso estagnou em um país em que a população cresce de forma contínua.
One of the best parts of real estate crowdfunding is the stellar returns that can be generated. In the world of long term investments, one can be reasonably satisfied with investments earning 6-9% annual returns on average. There are many different types of real estate investments within the real estate crowdfunding world, and each of them comes with it’s own set of risks as well as anticipated returns.
One of the most straightforward types of real estate crowdfunding investments are debt transactions where as the investor takes the place of a typical mortgage lender, and lends the money needed for purchase and rehab of a property, before being resold. These transactions typically average between 8-10% annual returns.
When investors are involved on the equity side the returns can be much better (however there is more risk as well). In addition to the annual cash flow available through…
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Kick Jamaica is the first real estate investment platform that enables individual investors to pool their investments online.
New York, NY (PRUnderground) November 22nd, 2013
Damion Wongsang, Co-Founder and CEO of kick Jamaica, realized an online solution could simplify the investment process in real estate. The idea came to him whilst he was looking to invest in his hometown of Port-Antonio, Jamaica. “Jamaicans abroad send back USD $2.2 billion a year to build property or assist family members who need financial help…kick Jamaica will allow those who are looking to invest back home simple safe and secure.” The company adopts a pure digital investment platform, through offering packaged turnkey real estate investments in Jamaica and New York. These are targeted towards investors in the $1-5 million dollar range whom lack access to products in these regions but are seeking a high-quality investment that will provide long-term returns.
There are benefits to clients using the kick Jamaica platform, as customers enjoy not only the convenience of online investments, but also enables them to access features such as project reviews and fund investments via desktop, smartphone or iPad app. Furthermore, kick Jamaica has a team of professionals with combined a 30 years’ experience and USD $2 billion transactions across Goldman Sachs and Deutsche Bank to name a few. The team provide in-house counsel, accounting and consulting services at no extra cost to the customer.
Kick Jamaica is launching with three key properties in Jamaica and New York, valued at over USD $20 million. This makes it the largest crowdfunding investment platform in Jamaica, but also offers investment opportunities for as little as USD $5,000. By doing so, they are able to keep more of their profits instead of watching them get eaten away by the middleman.
kick Jamaica 55 Broad Street, 13th Floor New York City, NY 10004
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