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OSC LaunchPad | Nov 23, 2017 Release:  OSC Launchpad approves Token Funder to be the first token offering out of Ontario OSC approves initial coin offering Investment Executive | James Langton | Nov 23, 2017 The Ontario Securities Commission (OSC) has approved Ontario's first-ever regulated initial coin offering (ICO). Under the auspices of the Canadian Securities Administrators' "regulatory sandbox", the OSC granted regulatory relief to Toronto-based Token Funder Inc., which will exempt the firm from the dealer registration requirements, and allow it to carry out an ICO under existing prospectus exemptions. "We are pleased to announce that we just approved the first token offering out of Ontario. It is important that we continue to foster innovative new ways to raise capital and invest, and this announcement is a testament to the dedicated support we are providing in this space," the commission says in a statement. See:  New Frontiers in Capital Innovation:  Initial Coin Offerings (ICOs).  Nov 16 Toronto Register According to the OSC's decision, the firm was established to create a "smart token asset management platform", which is intended to, among other things, "facilitate third-party issuers raising capital through the offering of blockchain-based securities, including tokens and coins." Token Funder ...
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OSC approves first ICO in Ontario to TokenFunder
Lending Loop | Jeremy De Mello | Oct 18, 2017 TORONTO Oct. 18, 2017 – Lending Loop has officially helped provide financing of more than $10 million to small businesses across Canada. To date, the company, which is Canada’s premier peer-to-peer (P2P) lending platform, has helped over 180 small businesses in a variety of industries access funding to expand their businesses. Speaking on the achievement, Lending Loop co-founder and CEO Cato Pastoll said: “We’re excited to have hit this milestone in such a short period of time. It wouldn’t have been possible without the support of our rapidly growing community of 12,000 Canadians who are all helping to contribute to our collective success. Everyone knows how important small businesses are to the continued growth of our economy and we’re proud to be playing a part in helping their growth.” Lending Loop’s unique P2P lending model allows Canadians across the country to lend their money to small businesses posted on Lending Loop’s online marketplace. These investors derive their return from the interest rate attached to each loan, which in turn corresponds to the risk rating of that business. By cutting out the banks and the middlemen, Lending Loop loans are often significantly ...
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Lending Loop Surpasses $10M in Loans to Small Businesses Across Canada
CBC BC News | By Bethany Lindsay | Oct 15, 2017   Pair wants to convert former floating McDonald's into a 'Deep Ocean Discovery Centre' Vancouver's McBarge, that long-neglected relic of Expo 86, may soon be setting sail for a new life as a deep sea museum and conservation centre. The hulking 57-metre vessel has been sitting in a secure yard on the Fraser River in Maple Ridge for the last two years, having two decades' worth of graffiti and damage from illicit partiers wiped away. The McBarge last saw legal visitors in 1986, during its famous stint as a McDonald's restaurant. But owner Howard Meakin and diving industry pioneer Phil Nuytten want to open the hatches once again. They plan to transform the McBarge into the "Deep Ocean Discovery Centre," a floating display of vintage diving technology and interactive exhibits about the Pacific Ocean. "We want people to love the ocean, and before you can love something, you have to know about it," Nuytten told CBC News. One idea would see television screens connected to underwater cameras stationed in various locations around Metro Vancouver, so visitors can get a closer look at sponge reefs off Whytecliff Park or cruise ships travelling under Lions ...
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From Expo to exploration: McBarge to find a new purpose at sea
LinkedIn Pulse | Sydney Eatz | Oct 17, 2017 Google parent company Alphabet announces ground breaking Sidewalk Labs - Google District The neighbourhood of the future.  Remember - May 11th - 2017 - this article from Co-moderator of Google Local guides moderator. Richard Trus - reprinted with his permission With the recent announcement that Sidewalk Labs LLC, the urban innovation unit of Alphabet Inc, has applied to develop the 12 acre site Quayside property there have been many who have been scratching their heads. What is a Google District? Why Toronto? Don't worry if you don't get it - what is Google up to? Google is known for research and development and coming out with projects that in the beginning pivot into larger products for the company. Most of these Google products become part of your daily routine. If you have ever used Streetview - the companion to Google Maps that let's you see panorama's of where you are going in 360 - well that project started out 17 years ago as the Stanford City Block project. See:  Canada is North America’s up-and-coming startup center For the past 17 years pre-visualization has slowly taken form in projects across North America ...
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It's Official - Google District - Ground Breaking - Today
Hackernoon | Eric Risley | Sep 26, 2017 The number of Initial coin offerings has surged over the past six months. However, all is not as rosy as it appears. A nuanced assessment of token distribution activity tells a tale of two very different issuer experiences. Architect Partners evaluated over 100 project white papers augmented by data published by Smith + Crown and to move beyond the breathless headlines. Successes Yes, there are many successful token distributions. Since the beginning of June 2017, 46 projects have completed an ICO in line with their stated objectives, raising over $1.6 billion. On average these projects have raised $36mm to fund their efforts although outliers skew the data as the median raise was $19mm. Clearly these projects have demonstrated excellent receptivity by token purchasers. Failures However, most ICOs fail, sometimes miserably, at achieving their objectives. The vast majority of issuers indicated their token distribution goals via a stated goal, a soft cap or a hard cap. We simply evaluated final results vs. stated objectives. If an issuer achieved greater than 75% of their hoped-for token distribution, we considered it a success, below that level, a failure. The token distribution market has quickly ...
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Most ICOs Fail: Tale of Two Worlds
Bloomberg | By Olga Kharif and Camila Russo | Oct 11, 2017 Regulators worldwide are finding that it’s incredibly hard to control the explosive growth of money tied to no nation. Russian President Vladimir Putin is the latest to call for regulation of cryptocurrencies, saying there are “serious risks” they can be used for money laundering or tax evasion. Finance Minister Anton Siluanov has called for regulating digital money as securities, while central bank officials vowed to work with prosecutors to block websites that allow retail investors access to bitcoin exchanges. “We think this is a pyramid scheme,” said Sergey Shvetsov, first deputy governor of the central bank. See:  The Summer of ICOs: VC Implications Global efforts to regulate digital money have accelerated in the past month since China banned initial coin offerings and ordered all cryptocurrency exchanges to close, following inspections of more than 1,000 trading venues over a six-month period. At least 13 other countries have imposed new rules or announced plans to tighten regulations, including South Korea, which also banned ICOs. Last week, European Central Bank Governing Council member Ewald Nowotny said the bank is discussing "concrete legal restrictions" on digital coin sales. It’s a development that ...
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Global Regulators Play Bitcoin Whack-a-Mole as Demand Explodes
Crowdfund Insider | Samantha Hurst | Oct 10, 2017 Payment Rails, a Canada-based API-first payouts platform for businesses, announced on Tuesday it has appointed former President of PayPal, Scott Thompson, as an investor and board advisor. This news comes just after the company completed its seed round and brought total investment funding to $1.1 million. Founded in 2015, Payment Rails stated it is simplifying cross-border payouts for online marketplaces, share economy, crowdsourcing, affiliate platforms, app stores, and crowdfunding platforms. “Make payouts to your independent contractors, affiliates and suppliers anywhere in the world in 150+ currencies through our payouts-as-a-service platform. We offer a powerful API or you can upload batch files through our dashboard portal. Recipients have the choice of how they want to receive their funds and in which currency: direct to their own bank account, credit card, prepaid card, cash pick-up, check, paypal + other options.” Payment Rails’ Co-founder and CEO,  Tim Nixon, explained: “Our vision is to enable all businesses to offer an exceptional payout experience to their on-demand workers and suppliers, whether that business is a startup or a Fortune 500 company. Our focus on delivering the fastest global payments at fair and transparent prices, coupled with our easy ...
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Former PayPal President Scott Thompson Joins Canadian Fintech Payment Rails As Investor & Board Advisor
Financial Post | Danny Bradbury | Oct 10, 2017 Which method you choose depends on your company's current situation and its goals For most small businesses, financing can be a challenge. Whether you need bridge capital to keep the business running in tough times, or structured debt for long-term growth, it pays to have a strategy for seeking out those elusive financing dollars. Statistics Canada found that just over half (51.3 per cent) of businesses requested external financing in 2014. Equity-based financing options like venture capital often make the headlines, but less than one per cent of small businesses requested this in 2014. Debt-based financing is far more common, as is trade credit from suppliers. Here are five financing options to turn to, depending on the type of small business you run, and its situation. Bootstrapping Funding yourself is a long-established and responsible way to get a small business off the ground. Bootstrappers are risk takers but also lateral thinkers. Rather than saddling themselves with debt or giving up ownership of their small company, they will use their own savings and potentially sell some assets to help finance their business in the early days. Bootstrappers may work a side gig ...
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Five common options for financing your small business
World Economic Forum | Marc-David L. Seidel | Oct 6, 2017 Technology blogs and financial news networks are buzzing about blockchain, a cryptographic, distributed trust technology. The key innovation is how it reduces the need for central third-party institutions to serve as central authorities of trust — banks, courts, large corporations, stock markets and even governments, for example. Distributed trust enables co-operative forms of organization without a centre. It can distribute power away from centralized institutions to those that traditionally have less power. Such powerful institutions do not let go of their influence easily. The ongoing debate about how to regulate distributed trust technologies assumes that the advocates of the technologies will seek both legal status and enforceability. Scholars proposethat such developments in distributed trust are a competitive threat to nation-state paper currencies. Much of the current, popular focus is on cryptographic currency — or cryptocurrency — applications such as Bitcoin. Bitcoin vs. banks Regulators are struggling to deal with a fundamental shift in market structure. National central banks are implementing policies to keep control and regulate distributed trust technology. For example, the Chinese government has banned several types of distributed trust activities, and is launching its own non-distributed, centralized ...
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Bitcoin is making banks nervous. Here's why
The New York Times | TIFFANY HSU | Oct 6, 2017 The Trump administration is again taking aim at the Dodd-Frank Act, releasing a Treasury Department report on Friday that recommended a vast reworking of Wall Street rules adopted in response to the financial crisis. Some of the proposed overhauls would do away with a requirement for companies to divulge the pay ratio of chief executives to workers, streamline derivatives rules, and give companies more access to capital and investors more places to put their money. The ideas were welcomed on Wall Street, where banks complain that Dodd-Frank rules have needlessly hobbled growth. But they attracted skepticism from consumer groups and others, who consider the suggestions a dangerous relaxation of checks against a cavalier financial system. The report offers a guide to agencies such as the Securities and Exchange Commission and the Commodity Futures Trading Commission, which police activity relating to stocks, bonds and derivatives. But the detailed 220-page document also serves as a gauge of the administration’s attitude toward Wall Street — namely, that market restraints should be loosened. See:  Competition Bureau suggests Canadian FinTech sector’s slow growth due to regulation, consumer complacenc The proposals follow a report on ...
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Treasury Report Calls for Sweeping Changes to Financial Rules

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2017 'Fintech & Funding'Networking Event (Jun 22 @Spoke Club)

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SURVEY CLOSED :  Thanks for participating in our annual benchmarking of Canadian Alternative Finance Crowdfunding markets to inform all stakeholders on market activity and company and investor sentiment.  Results will be published in the 2017 annual report later this year...

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Fintech and alternative finance survey

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3rd Annual CCS2017 'Fintech & Funding' Conference

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2016 Alternative Finance Crowdfunding in Canada Industry Report:  (Published Dec 2016)

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[Breaking Oct 24, 2016]:  OSC Unveils LaunchPad, a First in Canada


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[Breaking News]:  Sep 27, 2016

OSC to launch fintech hub to help companies navigate and possibly ‘tailor’ regulatory framework

June 9, 2016:  Rapid fire Crowdfunding Opps for Advisors

Thanks to the DMZ and Trinity Compliance Partners!

Regulators providing Guidelines on How to Register as a Funding Portal (more photos)


Jun 1:  Summer Officially 'Kicked Off' !

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NCFA Fintech Crowdfunding Community 2016


Call to Action:  Lifting the Veil on P2P Lending in Canada

Open letter P2P lending



For making CCS2016 another SELL OUT SUCCESS! 

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CCS2016 - March 3 2nd Annual Canadian Crowdfunding Summit





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Thanks YYC for a SOLD OUT Calgary Crowdfunding Bootcamp on Dec. 3!

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[Breaking News]: Ontario publishes final Crowdfunding rules to come in force Jan 25, 2016

OSC 3Nov 5, 2015, Toronto – The securities regulatory authorities in Manitoba, Ontario, Québec, New Brunswick and Nova Scotia (collectively, the participating jurisdictions) today published in final form Multilateral Instrument 45-108 Crowdfunding, which introduces a crowdfunding prospectus exemption for issuers as well as a registration framework for funding portals.

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Open letter to PM-designate Trudeau

Canadian Alternative Finance Platforms Encouraged to Participate!

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Get VanFUNDED Sep 29!  (Equity, Debt, Rewards and Fintech)

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MPP, Hon. Brad Duguid Officially Opens the Inaugural 2015 Canadian Crowdfunding Summit on March 3, 2015 at MaRS Discovery to a sell out crowd. 

Checkout:  Video Recap | Storify | Sessions & Decks | Post-Event Infographic

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[Breaking News]: Six Canadian securities regulators to adopt start-up crowdfunding exemptions

May 14, 2015:  thumbs upThe securities regulators of British Columbia, Saskatchewan, Manitoba, Québec, New Brunswick and Nova Scotia (the "participating jurisdictions") today announced they have implemented, or expect to implement, registration and prospectus exemptions that will allow start-ups and early‑stage companies to raise capital through crowdfunding in these jurisdictions, subject to certain conditions.

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CF2015 Industry Report

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 NCFA Members Get 25% Discount Code = NCFAC100

Report Forecasts Total Global Crowdfunding to Reach $34.4 Billion in 2015

North America Remaining the Largest Market and Asia, Outpacing Europe in 2014, in Second Place

After collecting data on 1,250 active crowdfunding platforms (CFPs) worldwide and undertaking significant further research, the results reveal that CFPs raised $16.2 billion in 2014, a 167% increase over the $6.1 billion raised in 2013. North America still accounts for the largest market but 2014 saw Asia overtake Europe, by a small margin. With exponential growth in Asia, Massolution forecasts this lead will increase significantly in 2015 with the delta between Asia and Europe increasing to over $4 Billion. We predict that Europe’s 20.1% of market share in 2014 will decline slightly in 2015 when Europe will account for 18.8% of the worldwide market.

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2016 Canadian Crowdfunding Directory

Last Revised:  Aug 10, 2016
This is an ever evolving and growing directory of active (or beta) Canadian Crowdfunding platforms, alternative finance funding portals and service providers.  To request to be listed in the directory please email us directly at and we'll do our best to make updates periodically. To become a NCFA member, please click here.

CFP Aug-10-2016

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New “Start-up” Crowdfunding Exemptions Adopted in Some Canadian Jurisdictions

AUM Law | Paul Hayward | June 5, 2015

AUM lawThis is the second of our nutshell series on regulatory developments affecting crowdfunding and other online financing portals.

On May 14, 2015, the securities regulatory authorities of British Columbia, Saskatchewan, Manitoba, Québec, New Brunswick and Nova Scotia (the participating jurisdictions) announced that they were adopting substantially harmonized registration and prospectus exemptions (the start-up crowdfunding exemptions) to allow start-up and early-stage companies in these jurisdictions to raise up to $500,000 per calendar year through online funding portals.

As explained in the related notice, Multilateral CSA Notice 45-316 Start-up Crowdfunding Registration and Prospectus Exemptions, the exemptions are being implemented by way of local blanket orders on or shortly after the publication of the CSA notice, and will be in effect until May 13, 2020.

The start-up crowdfunding exemptions consist of an exemption from the prospectus requirement (the start- up prospectus exemption) and an exemption from the dealer registration requirement (the start -up registration exemption).

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The National Crowdfunding Association of Canada (NCFA Canada) is a cross-Canada non-profit actively engaged with both social and investment crowdfunding stakeholders across the country.  NCFA Canada provides education, research, leadership, support and networking opportunities to over 1500+ members and works closely with industry, government, academia, community and eco-system partners and affiliates to create a strong and vibrant crowdfunding industry in Canada.  Learn more About Us or visit