Presented by: Tabitha Creighton, CEO and Co-founder

Crowdlending: 5 reasons it’s great for business.

Reason #5 : Save money on your borrowing

• Eliminate finance and origination fees• Reduce interest rates

(Finance fees for new loans can range into the thousands of dollars, excluding the interest costs. In addition, part of the interest rates banks and direct lenders charge are the cost of their capital and the infrastructure premiums that come along with being big companies. With Crowdlending, you borrow directly from consumers, which could mean significant interest rate savings.)

Reason #4: Control your borrowing terms

• Pick the duration, interest rate, collateral and covenants

(The positive and negative covenants attached to loans today can be extremely costly and difficult for small companies to achieve and maintain.

Fully reviewed and audited financial statements, term restrictions, pre-payment penalties, seasonal business revenue penalties are just some of the burden a company can take on.)

Reason #3: Hold onto company ownership

• Don’t give up ownership just to get working capital(For young, growing companies, often the only option to gain the cash they need to grow is to sell shares in the company, because borrowing is just too expensive.

That’s a terrible choice for a company owner that knows that in a couple of years when they’re established, their cost of capital will drop significantly.)

Reason #2: Easy-to-do

• Complete automation makes everything, even repayments, quick and easy.

(Even easier than a crowd-funding campaign, especially the repayment part. No need to box up dozens of gadgets, or keep track of the number of gift-cards still to be redeemed.

Automated repayments mean that money goes right back to investors without any work on the part of the business.)

Reason #1: Investors = customers + advocates. • Lower your cost of getting new customers AND get the money you need• Interest payments are like marketing costs when your investors

advocate for your business(You won’t find a better advocate than someone that’s invested in your company. Pick your investors from your community and you now get their money and their advocacy.

And that’s no joke – people are far more likely to buy through referrals than from companies they don’t know. So think of your interest payments as marketing costs, and you’ll see how valuable Crowdlending really is.)

INVESTNEXTDOOR MAKES CROWDLENDING SIMPLE

InvestNextDoor: A fair and balanced marketplace

InvestNextDoor

Peer-to-Peer

LendingCrowdfunded equities

Financial Institutions

Borrower Sets Own Rate

Auction-style investment offers

Automated securities issue and

servicesDouble-bottom line

investmentsInformation verification

It’s easy with InvestNextDoor!

1. Create a Listing

• Create a listing. • Use our templates and create your security

offering.• Choose whether it’s a private or marketplace

listing.

2. Engage Investors

• Promote your marketplace listing. • Control access to your financial section. • Respond to questions.

3. Accept Offers• Accept immediately or wait for better offers. • Review Offers. • Complete offer, filings and get access to funds.

4. Repay Investors

• Make repayments.• Engage your investors as advocates.• Grow your business.

And remember…

Borrow local, invest local, and prosper more!

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