Category Archives: Entrepreneurs and Start-ups

EARLY BIRD OPEN: FFCO18: VELOCITY Blockchain, Crypto, Alt Investing Conference (Mar 5-6, Toronto)

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FFCON18: VELOCITY

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Blockchain | Cryptocurrency | Alternative Investing

Join Canada's leading financial technology and funding conference

Building upon three consecutive successful Canadian Crowdfinance Summits (CCS2015-2017), the National Crowdfunding & Fintech Association of Canada (NCFA) is proud to present 2018 Fintech and Funding Conference: VELOCITY (#FFCON18), an expanded 4th Annual of Canada’s leading financial technology and funding conference.

If you are a fintech investor, a company actively raising capital or key decision maker/stakeholder in technology and capital markets innovation initiatives and programs, FFCON18 is a must attend event delivering the most comprehensive thought leadership, education, networks, investment and pitching opportunities to 500+ global participants.

2018 is focused on BLOCKCHAIN, CRYPTOCURRENCY and ALTERNATIVE INVESTING and will be held on March 5-6 in downtown Toronto at the historic Design Exchange and various partner sites: The theme is all about speed, efficiency and reducing friction: VELOCITY.

"VELOCITY" uncovers and celebrates the rising stars and who’s who of fintech, blockchain and alternative finance, connecting high growth entrepreneurs and startups seeking seed and growth capital with venture capitalists, retail and accredited investors and institutional asset managers.

FFCON18 also attracts the industry’s thought leaders and pioneers, investors, technology and infrastructure providers, regulators, government, media and academia for an unforgettable ecosystem-building convergence in the historic Toronto Stock Exchange in the heart of downtown Toronto. The conference features 5 different streams of content, immersive learning and networking over 2 full days, including 50+ speakers, 15+ pitching companies, dozens of workshops, VIP 1x1 meetings and cocktail networking receptions.

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Early Bird before Feb 1:  GET 20% OFF!

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The 2017 State of Regulation Crowdfunding: US Securities-based Crowdfunding under Title III of the JOBS Act

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CrowdfundInsider | By  | Jan 15, 208

Recently, my company crafted a report for the US Securities and Exchange Commission that summarizes progress on Title III of the JOBS Act of 2012, also referred to Regulation Crowdfunding or Reg CF. This newest securities exemption was added to the options that smaller companies could utilize to raise both debt and equity capital within the US.

Regulation Crowdfunding allows startups and SMEs to raise up to $1,070,000 per year from both retail and accredited investors by utilizing registered funding portals (or broker-dealers) to conduct exempt offerings online. At the end of 2017, there were 36 FINRA approved crowdfunding portals.

This exemption requires issuers to file in a Form C and post online disclosures about a company’s operations, team, financials and other material information for investors to review. Regulation Crowdfunding started in the United States on May 16, 2016. The second calendar year for the industry ended on December 31, 2017. Because data about issuers, their financial well-being, and the capital that is committed is public information we can analyze the data and bring transparency to a segment of the markets (exempt private offerings) that has been fairly opaque until the JOBS Act went into effect.

See Also: SEC Updates JOBS Act Amendments Including Reg CF Funding Cap

Key findings of our report:

  • The number of unique offerings increased 267% from 178 in 2016 to 481 in 2017
  • Proceeds increased 178% from $27.6 million in 2016 to $49.2 million in 2017. Total proceeds by the end of 2017 was $76.8 million
  • The number of successful offerings increased 202% from 99 in 2016 to 200 in 2017
  • The average success rate of offerings to date is 66.7%
  • The total number of investors in Regulation Crowdfunding increased 158% from 28,180 in 2016 to 44,433 in 2017
  • Issuers that filed annual reports and reported creating jobs created on average 13.9 jobs.
  • Revenues for Issuers that filed annual reports increased on average 131% between the year in which they leveraged Regulation Crowdfunding and the Prior Fiscal Year.

Continue to the full article --> here

 


The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit: www.ncfacanada.org

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Saskatchewan and Alberta make cross-border financing easier

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Alberta Securities Commission | Dec 12, 2017

CALGARY, Dec. 12, 2017 /CNW/ - The Financial and Consumer Affairs Authority of Saskatchewan (FCAA) has changed its start-up crowdfunding exemption to allow businesses in Saskatchewan and Alberta to raise funds from investors residing in those provinces.

"This change will enhance capital raising opportunities for businesses in Saskatchewan and Alberta and investment opportunities for investors in those provinces. Given the geographical proximity, and similarities in industries, it makes sense for us to coordinate our efforts to facilitate cross-border financings with our neighbouring provinces," said FCAA CEO Roger Sobotkiewicz.

To allow for the interjurisdictional raising of capital, Saskatchewan has amended General Order 45-929 Start-up Crowdfunding Registration and Prospectus Exemptions (SK GO 45-929), and Alberta has changed the Companion Policy to Alberta Securities Commission (ASC) Rule 45-517 to clarify how cross-border financings will work.

See:  Advancing the dialogue on the future of financial services

Start-ups and early stage businesses must be aware of the different requirements in each jurisdiction and comply with the requirements of both SK GO 45-929 and ASC Rule 45-517. One significant difference between the two exemptions is that to raise money through a crowdfunding portal in Alberta, businesses must use a registered dealer. In Saskatchewan businesses must use an online funding portal, which is not required to be operated by a registered dealer.

For more information about SK GO 45-929 visit http://www.fcaa.gov.sk.ca/Exemption-Order-45-929. The ASC Rule 45-517 can be found on the ASC website at albertasecurities.com.

The FCAA is a crown corporation responsible for developing and enforcing Saskatchewan securities laws, which regulate Saskatchewan capital markets and protect investors. The ASC is the regulatory authority responsible for administering Alberta's securities laws. The ASC is entrusted to foster a fair and efficient capital market in Alberta and to protect investors.

As members of the Canadian Securities Administrators, the FCAA and ASC work to improve, coordinate and harmonize the regulation of Canada's capital markets.

SOURCE Alberta Securities Commission

For further information: For Media Inquiries: Matthew Barton, Financial and Consumer Affairs Authority Saskatchewan, Communications Consultant, 306-787-6067; Hilary McMeekin, Alberta Securities Commission, Manager, Communications, 403.592.8186; For Investor Inquiries: ASC Public Inquiries, Toll Free 1.877.355.4488


The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit: www.ncfacanada.org

 

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Jan 8, 2018: Intro Presentation on Raising Equity and Funding for your Startup

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NCFA Canada | Jan 15, 2018

Slides:  NCFA Canada Founder and CEO, Craig Asano, delivers a presentation on raising equity and funding for the graduating class of Founder Institute companies in Toronto on Jan 8:

  1. Equity & Funding Introduction Date: January 8, 2018 Prepared for: Founders Institute Toronto Prepared by: Craig Asano, NCFA Canada
  2. Fintech & Funding Association Massive Fintech Network Partners Advisors Members 90+ Platforms 20+ Providers 45 Portals 2018 2017 2016 2015 Oct 2012 Programs Services Global Network P1 P2
  3. Are you ready to raise capital?
  4. Are you ready to raise capital? Set your valuation appropriately • Look for comparable businesses • Geographic and investor group dependent • Discounted cash flow. Make your projections realistic. would you be willing to take your compensation as a % of forecast? • Ultimately a negotiation between investors and the business • Expect 10% - 30% dilution per round • Use preferred shares, convertible notes, SAFE / SAFT if uncertain or to avoid significant dilution How much time can you devote to funding? • Do not do this half ass. If after a defined period (ie 1 year) you’ve been unsuccessful then face facts (markets are highly efficient) • Understand potential impact to ego / brand equity and team motivation • Leverage templates. Be resourceful. Seek expertise.
  5. Are you ready to raise capital? How much money should we raise? • Determine key milestones that impact business’ value • IP strategy, Prototype • Sales and Revenue (ie repeat customers/month • Product/market fit or key development milestones • Human resources and team building (growth) • Raise what you need to get you to the next milestone (iterate and prove) Bootstrapping: advance your situation using existing resources Lean start-up: get to market and revenue positive as quickly as possible What non-dilutive sources of capital are available at each step?
  6. Are you ready to raise capital? Understand your initial capital structure (and dilution) • Founders (80-90%), Leadership team (10-15%), Advisors (1-3%) • Skin in the game • Put in writing and use vested agreements • Source cap table excel sheets online
  7. Where can I find Investors? • Identify potential investors and sources of funding (keep doors open): • Government grants / funds • Corporate sponsorships and grant programs • Friends and family, Loans and credit • Crowdfunding (Equity, debt/lending, reward, ICOs/tokens, Royalty) • Angel investors • Venture capital • Dealer-brokers, agents, intermediaries • Private equity interested in side-car investments • Ask for introductions • Global markets Sources of Private Capital
  8. Be strategic with your approach • Make a list of contacts that can realistically help (assign probability and amount you are seeking from them) • Seek to develop long term relationships and understand what you can offer them and vice versa. • Learning loop: Listen – learn – track and improve (alignment, probability) • Start building your funding networks yesterday • Online – personal & company profiles • Offline - Events, conferences, pitch forums, investor networks • Understand the timing of your ask relative to the ‘funding window’ and type of investor • Stay on top of funding research and news to find similar companies to learn from / with. • Ask for introductions • Turn advocates into loyal customers and investors Get in Funding Mode
  9. What are investors looking for? • A product/services that addresses a large market need (not a nice to have) • Team that can execute who has a solid understanding of business and challenges • Validation/proof (de-risk) • Some are seeking social impact or to balance impact with profits The Investment Process • Pitch deck is bare essential • Meet and greet is only the first step • All investment basics must be met • Due diligence review • Terms negotiated • Close (in person) What are investors looking for?
  10. Deal Breakers and Tips • Avoid one man team, no skin in the game, unrealistic valuations, serious character flaws • Raise equity capital with no clear purpose, to replace debt, pay big salaries, to develop an idea and not a business • Face to face meetings (3-5x more capital $ than email or call) • Securing initial key/lead investor will make raising $ significantly easier • Only invest if they know you, know the business and like the investment opportunity What you Need to get Started
  11. Basic Crowdfunding Models < $10K $10 - $250K < $100 - $350K+ < $250K - $3M+ Social Material Investment Benefits
  12. Raising Capital Online in Canada
  13. Wide distribution over the internet • Low cost, efficient, transparent capital • The `great equalizer` • Media/PR, awareness • Increase customer engagement and • Evangelize backers into investors (customer acquisition) • Reduce risk by getting feedback on new launches (product or ventures) • Market research Access to Capital Marketing Platform Validation • Raising funds via crowdfunding markets is a very public and transparent • Protect your IP and speak to a lawyer • Crowdfunding takes a lot of effort and commitment • The majority of Ideas fail to reach their funding goal • How will this affect your companies brand? Expose your Idea Resourcing Failure Crowdfunding Pros/Cons Benefits Risks For Companies
  14. Examples Source: Kickstarter Campaign page Innovation – Social – Incentives – Economic Growth Quidni Estate Winery (NCFA Director) • Just completed $100K equity raise (for 3% equity ownership) • Took over a winery. Went digital (including online wine sales). Converted virtual wine tasters into investors Impak Finance (Equity Offering) • Raised $1.2 million (goal was $500K for 6%) from 1450 shareholders to create first socially responsible Canadian bank • $500,000 in the first 24 hours! • Inclusive & accessible: $100 shares for $100
  15. NCFA Canadian Online Funding Directory Reward/Donation: Equity-based via Dealer: • Steady growth in portals • Equity, Debt & Royalties all emerging • Fintech is all the rage • Real estate and entertainment, film/media crowdfunding emerging Consumer and Small Business Loans:
  16. Crowdfunding Framework Planning & Strategy • The greater your planning efforts, the greater your chance of achieving your funding goal • Do not launch a crowdfunding campaign if you are not ready. (3 months) (40 days – 90 days) (Ongoing) Post-campaign • Your campaign is done but now you have to deliver on your promise • Fulfillment • Ongoing customer engagement Campaign Execution • Daily execution of tasks outlined in the campaign plan • Control, monitor and adapt Feedback Loop
  17. Success Factors SUCCESS 2. Network Strength • Sizeable online network and social media presence? • Will media/PR and influential bloggers cover your story? 1. Quality Idea & Pitch • Unique, enterprising and clear value proposition (conveyed online in a simple manner) • Get others excited about your story? • Clear funding target and specific goals? 4. Key Docs and Content • Compliant and necessary for investor review 3. Strong Committed Team • Is your team credible, committed and willing to deploy the resources and time to execute effectively? • Time management HARD WORK! 5. Marketing Campaign & Incentives • Planning and strategy with ability to execute through launch to post campaign
  18. Common Mistakes • We underestimated the time commitment involved • We didn’t test our campaign sufficiently • We launched before we were ready • We didn’t develop an accurate budget • We didn’t consult legal counsel or professional providers • We didn’t account for taxes • We tried to do everything on a shoestring • We didn’t realize how important the video was • We didn’t understand liability exposure (eg. misrepresentation) and intellectual property • We had little to no traction so we gave up • We blamed it on the portal
  19. Join Us Education & Research Market Access Crowdfunding Infrastructure Capital Raising Prep Services Support and Leadership Advocacy GET IT IN TOUCH Fintech & Funding Association ncfacanada.org crowdfundingsummit.ca

The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit: www.ncfacanada.org

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How to Fund Your Business

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NCFA Guest Post | Jan 15, 2018

If you have a vision for a business that you think will do well, then most entrepreneurs will probably say you should go for it. However, there is more to starting a business than just having an idea; you also need the funding to back it up. Getting this type of funding for a new venture can be difficult, but there are many avenues that you can pursue to get the capital you need.

Family and Friends

Seeking to fund your business from family and friends is an effective way to avoid things such as interest rates because you would normally just pay back the amount you borrowed. You could also give them a share of the profits or perhaps make them a silent partner. Some people are not comfortable asking their friends or family for funding in case it affects their relationship.

Bank Loans

Securing funding from a bank is not always a straightforward process because you need to satisfy them that your new venture has the capability to pay the loan back. In the first instance, you will need a strong business plan that contains all of the details about the company and how you are going to create sales. They will also be looking to your projected revenue to see if you will be making enough to repay the loan. The best part of going to the bank is that they will often have business advisers that can help you organize and grow your business.

Crowdfunding

Crowdfunding has taken off over the past few years, with more people looking to this type of funding for their new inventions and projects. The idea behind it is that you submit a detailed plan of what you want to do, and then ask people who visit the site to give you funding to achieve your goal.

See:  4 Important Source of Funding for the SME Industry in Canada

The money can be used to help build a prototype or to pay for you to rent some office space. They have been a hugely effective way for many companies to start their companies. In return for funding the project, those that contribute get an advanced product.

Business Partners

Some business owners will offer to fund for new startups that they find. As with other funding, you will need to discuss your business plan with them before they decide to fund you or not. In return, they will usually come into the company as a partner or shareholder. The good part about this way of funding is that you have someone with experience in business who can help you. Business partners mean extra knowledge – for instance, if you are experiencing Office 365 security concerns, you should find a partner who can help diminish these.

Along with these types of funding, there are other opportunities as well. You can speak to your local government who may have schemes that offer funding to certain companies. Whatever type of capital you manage to secure, they all have to begin with that great idea.

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The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit: www.ncfacanada.org

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FFCON18: VELOCITY Blockchain, Crypto & Alt Investing Conference: Meet one of the Volunteers (Janni Hjorth)

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NCFA Canada | Jan 8, 2017

With FFCON18:  VELOCITY.  Blockchain, Cryptocurrency and Alternative Investing Conference fast approaching March 5-6 in Toronto at the Design Exchange, we thought it would be great to feature some of the volunteers this year.  Meet Janni Hjorth.  A new comer to Canada from Denmark (4 months in Toronto) who has been volunteering and working on her own business and funding campaign.

Why did you choose to volunteer for FFCON18 and the NCFA?

Volunteering is a great way for communities to grow, for individuals to acquire new skills and to support those around us. But for me it’s also a part of my strategy to establish and grow my network in a globalized world, and the upcoming Fintech & Funding 2018 Conference - FFCON18:  VELOCITY and 'all things' Crowd & Crypto is a perfect fit.  We're looking to raise capital for our business, meet investors, movers ad shakers and expand our network in the fintech arena.

See:  FFCON18:  VELOCITY - Join Canada's leading financial technology and funding conference March 5-6 Toronto

I have travelled my whole life both for personal and professional reasons. The first time I moved to another country as an 18 year old, I realized that in order to become established and to accomplish my goals I needed to form fundamental networks. Those that come more natural to you when you live in the country you were born. I started understanding the importance of tapping into local communities and connecting with local organizations by volunteering for them. Ever since then I have practiced this no matter where I go, and so far I have lived in 7 countries. At the moment I am doing the same here in Toronto, volunteering has been an important part of my strategy to establish a network, getting to know the local culture and getting involved. The NCFA was a great place for me to offer my assistance, as they play an important role in the Canadian Crowdfunding and Fintech industry which I have a personal interest in.

Why crowdfunding?

It’s an excellent way for communities to come together to support causes and businesses that they believe in. It’s an invaluable strategy for startups. I have recently experienced this first hand as I had my own crowdfunding campaign on Kickstarter. Last year I co-founded a company in order to bring a travel footrest to market that required me to establish funding for the first production run. We utilized crowdfunding to enable this.

Where do you see the most value in crowdfunding events?

For a startup like mine crowdfunding has been about more than “just” establishing funding. It’s also been about creating awareness about my project and an avenue to connect with key individuals that have been willing to share their experiences and best practices with me. Especially as a newcomer, getting these connections is a key for success.

Tell us about your campaign:

My product is a travel footrest called HÄNGAR. We launched it on Kickstarter and reached our funding goal of $5000 within the two first weeks.  To date 9464 CAD has been raised from 118 backers (189% over target - we're so excited).

Where did the idea come from?

I initially came up with the concept of HÄNGAR on a flight where I was very uncomfortable. I had knee and leg pain and to relief the pain I tied my scarf around the seat in front of me and rested my legs in the hammock the scarf created. Based on this I created the first simple prototype, however it wasn’t until I reached out to my network and got involved with other entrepreneurs and startups through crowdfunding that I actually understood how to tackle this as a business venture. Without the knowledge exchange that comes along with crowdfunding, I would still be flying with a scarf. Events like the FFCON18:  VELOCITY is therefore an important forum where startups can grow in a face to face setting and of course seek the funding they need to move forward.

Will you be bringing your travel footrest to the FFCON18:  VELOCITY?

I am very excited to be participating as a volunteer and I will definitely be binging HÄNGAR along.

Volunteer Profile:
Janni Hjorth Kristensen

Origin Denmark
MSc in Events Management
Co-founder of HÄNGAR Travel

Crowdfunding experience: Kickstarter  campaign December 12th 2017 – January 12th 2018

Website: www.hangartravel.com

Check out the Campaign: http://kck.st/2jS1KvV

 


The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit: www.ncfacanada.org

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Redesign headaches and production delays: Toronto inventor pushes forward with foot-powered washing machine

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CBCnews | Makda Ghebreslassie | Jan 4, 2018

An award-winning idea to build a pedal-powered washing machine has hit some snags and its inventor is facing questions about what's taking so long. But one expert has told CBC Toronto stories like this are common and are even to be expected before a new product finally makes it to store shelves.

Yi Jiang, the creator of the Drumi — an electricity-free, foot-powered washing machine — has experienced many challenges taking his product from mock-up to market.

"It's just taking us so much time and energy to figure out how to make things work," he said.

The prototype won the national James Dyson Award in 2015.

See: Finalists Announced for the 2016 Canadian Crowdfunding Summit Live Pitch

It's a compact washing machine, operated by a pedal, that can hold about two kilograms of clothing. That's usually three to five items.

All that is required is water, detergent, sanitizer and a few minutes of your foot pushing the pedal to spin the drum that holds the clothes.

Jiang gained financial support for the concept with pre-orders on the crowdfunding site Indigogo and his company's website.

'Not chump change'

Walter Sanchez says he came across the Drumi while reading an article about inventions that could make a difference in your life.

"I was attracted to that concept of having an item that is easily accessible to me that would make an otherwise tedious task more appealing and more functional and efficient," he said.

In May of 2016, he went on the website for Jiang's company, Yirego, and pre-ordered it for $265 plus tax and shipping.

Sanchez says the website indicated pre-orders would be shipped out by the end of the year but that kept being pushed back.

He says he emailed Yirego last April and was told they did not know when the product would be shipped out and they would keep him informed.

But Sanchez says eventually all communication, including the company's monthly updates on its website came to a halt.

"The product doesn't get delivered and no one is returning your calls and there are no updates, so as a consumer it raises a lot of concern because three hundred and whatever dollars is not chump change for a lot of us," he said.

Jiang says the plan was to have the actual product shipped to customers by 2016 but that deadline has come and gone.

Yi Jiang says he was inspired to create the Drumi after having negative experiences with public laundromats. 'It's not just about the cost and the time consumption, it's also about the energy and the way that people are using it,' he says. (Makda Ghebreslassie/CBC News)

The delay, he says is partly due to redesigning the Drumi, adding new features and meeting manufacturing standards.

Jiang says because he was creating a whole new product with no electrical parts, off-the-shelf components were not an option.

He even had to design and produce basic parts like the springs the machine needs.

"It's like a concept car. You can't drive around a concept car," Jiang said.

But while his team works on improving the product, customers who pre-ordered are left waiting.

After sending several messages this past spring, Sanchez said the company finally contacted him and provided him with the refund he requested in October.

"The way the situation was handled, I think it was poor," said Sanchez.

Expect delays

Many of the challenges faced by the inventor of the DRUMI and its clients are very common, says Daryl Hatton, the CEO of  FundRazr and the director of the National Crowdfunding Association of Canada.

See: Crowdfunding raises a roof: Tips for newbie Crowdfunders

Hatton says people choosing to get behind products on crowdfunding sites need to fully understand what they are committing to.

"They will have to be patient because it frequently takes longer than they want. There's a chance that they might not ever get it. It's possible that the entrepreneur might fail and it won't work," he said.

"You're backing a venture and a concept and an idea more than just a purchase. There's risk involved," he said.

Hatton said there are things that entrepreneurs like Jiang can do to help ease the concerns of their clients.

"The number one advice is to over communicate and demonstrate the progress being made," he said.

Continue to the full article --> here

 

The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit:  www.ncfacanada.org

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