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Peer to Peer Funding. Crowd Financing. Crowdfunding.

Peer to Peer Funding and Crowd Financing are the 'Financing Methods of the Future'.

Peer to Peer Funding and Crowd Financing are ways of getting money for starting projects without going through the traditional financial institutions. These types of funding methods can take the form of loans, equity arrangements or outright grants which don't have to be repaid and in which the 'grantors' have no equity position.

According to "... crowd-financing or community-funding, its aim is to help a project owner to gather funds, not from a small set of big investors, but rather from many small contributors. It is all about the power of the crowd – a shift in voice, control, and influence. Good news is, the crowd includes YOU...."

Peer-to-Peer Funding

Kickstarter "... the largest funding platform for creative projects in the world. Every week, tens of thousands of amazing people pledge millions of dollars to projects from the worlds of music, film, art, technology, design, food, publishing and other creative fields. A new form of commerce and patronage. This is not about investment or lending. Project creators keep 100% ownership and control over their work. Instead, they offer products and experiences that are unique to each project...."

Example of a video done to promote expanding a floating island built out of discarded plastic bottles:

fansnextdoor "... a platform that empowers creative into funding their projects, thanks to their fans’ contributions. Hence, creative crowdfunding. And since the creatives will be eternally thankful, they will send you great and exclusive rewards in exchange! This way, it is always win-win. The creative gets his/her break-away moments and gains momentum in allowing a creative mind to literally create and materialize something. The fan, on the other hand, becomes a meaningful element of a newly-created art piece, receives a small (or big) gift or token as a bonus.,,"

IndieGoGo "At IndieGoGo, we’re passionate about what you're passionate about. Our mission is to enable you to get your ideas funded. We founded IndieGoGo in 2008 because there are so many people in this world, with great ideas and big dreams, who are looking for the opportunity to get funding. IndieGoGo offers anyone with an idea - creative, cause-related, or entrepreneurial - the tools to effectively build a campaign and raise money.... We provide integrated social media tools, and the more you use them (it's what we like to call DIWO, or Do-It-With-Others) the sooner you will land you on our homepage, in the blog, or in our social media outreach and press. ..."

Here's an example of a video created for a successful crowd-funding campaign for IndieGogo:


Rocket Funding

For Creatives:
  • RocketHub provides the opportunity for all Creatives to harness the power of the crowd.
  • We empower Creatives with the credibility & infrastructure necessary to successfully leverage the financial power of your community.
  • RocketHub liberates Creatives to create, connect with, learn from, and give back to the community that supports them.
  • RocketHub is a community where Creatives are accountable only to their fans.
For Fuelers:
  • RocketHub provides Fuelers with a safe, credible environment in which you can comfortably support Creatives and creative projects
  • RocketHub offers Fuelers the opportunity to engage, influence and have fun with Creatives.
  • RocketHub gives Fuelers the ability to discover exciting projects and new Creatives.
  • RocketHub allows Fuelers to have a direct impact on how and if a project is completed.

Crowd Financing and Crowdfunding

Prosper "... is the market leader in peer-to-peer lending—a popular alternative to traditional loans and investing options. We cut out the middleman to connect people who need money with those who have money to everyone prospers! ..."

Here's how it works:

  • Borrowers choose a loan amount, purpose and post a loan listing.
  • Investors review loan listings and invest in listings that meet their criteria.
  • Once the process is complete, borrowers make fixed monthly payments and investors receive a portion of those payments directly to their Prosper account.

"Crowdfunding Your Ideas & Dreams"
-- Raise money online for a new business idea or for creative projects like films, books, bands or blogs.
-- Raise money online to help friends cover medical bills and expenses in the events of an accidents or illness.
-- Raise money online for school fundraising programs, PTAs, class trips or sports teams.
-- Raise money online for a memorial fund, funeral expenses, or create a trust in memory of loved one.
-- Raise money online for your dream wedding, perfect honeymoon, cash registry or bridal shower.
--Raise money online for groups gift purchases, birthdays, anniversaires , bachelor parties and celebrations!

33 Needs
"We enable thousands of people around the world to invest in social enterprises. It's called people powered investing and we think it has the potential to revolutionize how we do a little good in the world."

" ChipIn’s mission is to make it easy to collect money. We enable users to organize group payments and fundraisers (“ChipIns”) in a quick, easy, and secure way. We also make it simple for organizers to publicize their ChipIns, by providing powerful fundraising widgets that can be embedded in social media.

  • ChipIn allows anyone to collect money for a personal cause, group purchase, or fundraiser using their own custom ChipIn page.
  • ChipIn enables bloggers to create an interactive widget that allows them to raise money directly through blogs and other social media.
  • ChipIn empowers non-profit organizations to engage a distributed network of supporters in “blograising” campaigns for major fundraising efforts."

"... a new way to fund entrepreneurs. It is an online funding platform that allows business owners to raise capital from their 'peers'—in small increments—in exchange for tangible rewards to those who contribute. We’re the connectors— our online marketplace directly links business people who are looking for a small amount of start-up or growth capital with individuals who are willing to contribute that funding in small increments. These individuals can be friends, family or complete strangers…but they all share one thing—at least $10 to spare and a desire to have a positive impact on the world. Not to mention—the contributors get cool rewards too!..."

"... From offering a step-by-step fundraising system, to providing unique individual tools to assist entrepreneurs at all phases of their community funding journey, to holding events, to simply building awareness and community around this vision, we've evolved our products and will continue to do so to best meet entrepreneurs' needs. Through these changes, we remain committed to our original vision, that all people are empowered to pursue their dreams through entrepreneurship. We believe in entrepreneurs like you, and the power of community to celebrate, support and provide key resources along the way...."



As crowd-funding becomes more popular, people are starting to use it for things beyond their album or meaningful project. Maybe you just want some people to help pay for your wedding? GoFundMe the place for you.

Brad Damphousse describes GoFundMe as a "human interest goldmine," and it’s true. The "crowd-funding site for the rest of us" is, frankly, inspiring. From the 7-foot-8-inch man who raises money for more appropriate shoes, to the kid who sings his way to college, to Lucky, the tortured dog, who finds cash for vet bills, to the young woman who follows her dream of becoming a professional bobsledder: GoFundMe has it all. Kickstarter looks frivolous by comparison.

"It’s people experiencing the long-tail of everyday life," says CEO Damphousse, "everything from weddings to funerals, education, youth sports, animals and pets. It’s a place where family, friends, and communities, come together to support one another."

"In the old days, people used to put hard-luck ads on magazine back-pages: requests that nobody would ever read, or respond to. Now, they can post for the whole world to see. Who can resist the story of Kaleb Langdale, who got his arm eaten by an alligator this summer and is raising money for a prosthetic? Or the beaten up old NFL player who needs surgery? Or the Aurora shooting victim who had no health insurance?

GoFundMe is also a decent business. Damphousse expects transactions worth $40 million this year, generating $2 million (5%) for the founders. Started in 2008, the site is currently the third most successful crowd-funding platform after Kickstarter and Indiegogo.

From an article in Fast Company

Check out these 'SUCCESS STORIES' at and then 'write your own'.

Articles on Peer to Peer Funding

The Entrepreneur and Peer-to-Peer Funding "... Peer-to-peer financing or crowd financing are financial transactions between individuals without the intermediation or participation of a traditional financial institution. Peer-to-peer financing can take the form of debt, equity or grants...."

Software and App-Related Crowd Funding

Cofundos "... helps to realize open-source software ideas, by providing a platform for their discussion & enrichment and by establishing a process for organizing the contributions and interests of different stakeholders in the idea...."

appbackr ".... is the first crowdfunding marketplace for mobile apps. Developers connect with 'backrs' to help fund, market, and distribute their apps. Backrs make a profit as the app sells in retail app stores. appbackr allows anyone to take part in the new app economy...and make some $$$...."

Micro Funding and Peer to Peer Lending

MicroVenture Marketplace "... is the financial industry's first organization which merges peer-to-peer lending with the venture capital industry. The Austin, Texas-based firm also provides an exclusive opportunity for investors: to offer funding resources to entrepreneurs and early-stage organizations that need capital to accelerate company development....."

Innovative Funding for Creative Ideas and Inventions

Quirky "... We make invention accessible. For centuries, becoming an 'inventor' has been a hard gig to crack. Complexities relating to financing, engineering, distribution, and legalities have stood in the way of brilliant people executing on their great ideas. Since launching in 2009, Quirky has rapidly changed the way the world thinks about product development. We bring two brand new consumer products to market each week, by enabling a fluid conversation between a global community and Quirky's expert product design staff. The world influences our business in real-time, and we share our revenue directly with the people who helped us make successful decisions...."

Quirky Explained in 50 Seconds

Intellectual Property at Quirky

TV: In ‘Quirky’ reality, everyone invents but nobody makes "... It works like this: People with nifty but not terribly essential product ideas (a flexible power strip that bends to accommodate oversize chargers; a can opener that works like a jar lid; a dog collar that glows in the dark; a colander that doubles as a serving dish — picture all that clever junk you see in airplane catalogues and at the Container Store) go to Quirky’s Web site and submit their ideas. For this privilege they also pay a small fee ($10), something “Quirky” neglects to report. CLICK HERE for the rest of the story..."

Social Networking Creates Funding for Social Entrepreneurs

Buzzbnk (UK based) "... is a crowdfunding website which enables social entrepreneurs and social ventures to raise funds and build a crowd of supporters. The idea of Buzzbnk first came from Michael Norton who had a vision about empowering positive people to back bright ideas by tapping into their social networks. ..."


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