David Durand, Advisor, Innovation and Advocacy
September 9th, 2020
David Durand, LL.L., B.Sc. chem., – Founder and Managing Partner of Durand Lawyers – Lawyer (Québec)[...]
4 Ways To Finance Your Business Venture
NCFA Guest Post | Mar 4, 2019
At some point in your business life, you will need to raise money. It might be right at the start so you can hit the ground running, or it could be later on when you want to expand and need a boost. Whenever and why ever you want to raise money, it’s important to know what options are open to you, as there are many different ones, and they won’t all suit your situation. Here are some of the main ways to finance your business venture, no matter what reason that money is required.
Look To The Government
Depending on how much you need, what you intend to do with it, and what sector you are working in, there might be a government scheme or grant that could work for you. You will need to research this thoroughly, and it is always wise to ask for expert advice if you think there is something that could apply to you and your business.
If in doubt, apply for the grant or scheme anyway. The worst that can happen is that you are told no, and it might just be that you are able to obtain the money you need through this means. Even if it is a loan, the interest rate is likely to be much lower than those of traditional lenders.
See: Peer-to-peer lending will help small businesses stay afloat
Loans
What most people think of when they start to consider financing their business is a loan. This could be a business loan or perhaps a personal one. Loans can be extremely useful, offering you the money you need and giving you the peace of mind of knowing how much you need to pay back each month, and for how long.
To obtain a business loan, you will need to have a business plan that outlines exactly where you plan to spend the money and how it will help you to make a profit so that you can pay the money back again. Some lenders might not be able to lend to a startup business that has no financial records, however, because they simply can’t be sure of being paid back.
In this case, some business owners might turn to a personal loan. This can be just as good, as long as the business pays the loan back so that the individual is not out of pocket. The only problem is that you might not be granted a loan due to a poor credit score. This is why it’s best to check beforehand; you can either dispute your ranking on ChexSystems and find out more on Crediful.com why this is a good idea, or you can try to repair your credit if you can’t find any errors. At this point, you can apply for another loan.
Find An Angel Investor
An angel investor is a wealthy individual who is keen to invest in a business in order to get a return on their money. How much they put in and how much they want in return will vary, and is something you will need to discuss between you if you can set up a meeting with such an investor.
Some angel investors will want to put money into a business and then leave others to run it. Others will want to be more involved, and may want to be part of the management team. Again, this is all to be negotiated when the finer details are discussed.
See: CSA Staff Notice: Update on the Start-up Crowdfunding Registration and Prospectus Exemptions
Crowdfunding
You will probably have heard of crowdfunding, and perhaps you have even invested some money yourself, but you might not have considered it for your own business. However, it can be ideal for raising money to help you to grow, and shouldn’t be dismissed out of hand. Crowdfunding is no longer just for charities and good causes; small businesses are more than welcome to create a page as well.
There are many different crowdfunding companies available to choose from, each one specializing in a different area. Research is key, because writing a great campaign but using it on the wrong forum is not going to help you get the money you need for your business.
The first step is to find the right forum and create the campaign. After this, you will need to share it on social media, and ensure that others share it too. Some campaigns offer stakes in the business or products or services in return for cash, so you will need to know what you are willing to give away in order to bring in the money you need.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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CONGRATULATIONS TO THE 2020 FINTECH DRAFT PITCHING AND DEMO COMPANY WINNERS!   |
HSE | Sarah H. Brennan | Jan 9, 2021 2020 US Summary If we put the last quarter of 2020 aside, this year could be marked by the sheer number of SEC enforcement actions and settlements in the crypto space, with more rumored to be in the works. However, the U.S. ended 2020 with a bang in the form of a flurry of proposed crypto regulations in Q4 with varying degrees of controversiality. Notably, the proposed STABLE Act and Mnuchin's midnight rulemaking on self-custody have caused a bit of an uproar, which we touch on in more depth below. See: Vitalik’s 2020 Year End Thoughts from Singapore Absent these recent rulemakings, there has been an unevenness in the Trump administration’s approach to the space and the last four years at the federal level haven’t been marked with any significant level of regulatory coordination or cohesive policy at the federal level. However, to pick upon some themes that we will talk about in this year-end review, regulators have vacillated between: (i) a focus on enforcement vs. prescriptive guidance, (ii) a tech specific vs. tech agnostic approach, (iii) aggressive views of jurisdictional reach vs. deference, and (iv) state, federal, and global coordination ...
Read More
Altfi.com | Aisling Finn | Jan 11, 2021 Fintechs flourished on Seedrs, maintaining the title of the most invested-in sector, with £78m invested in fintechs through the platform. Crowdfunding platform Seedrs saw investments through its platform top £293m in 2020, hitting a milestone of £1bn invested to date on Christmas Day. Fintech remained the most invested-in sector, scooping £78m collectively, with other areas seeing huge increases in investment, for instance, healthcare firms saw a 292 per cent jump in investment in 2020. Seedrs says over 70 campaigns raised over £1m on the platform, with big fintech names such as money management app Snoop, which raised £10mhere have been nearly 14,000 investor exits on its secondary market to the tune of £5m, Seedrs says. Jeff Lynn, executive chairman and co-founder of Seedrs, said: “Given the huge challenges that 2020 posed for all businesses, it is a source of great pride for the Seedrs team that have come to the end of the year having delivered meaningful growth across all key metrics.” See: Regulation Crowdfunding Cap in the US moves from $1.07M to $5M on March 15, 2021 NCFA Response to the Modernizing Ontario’s Capital Markets Consultation Taskforce The record figures come ...
Read More
The New York Times | Steve Lohr | Jan 10, 2021 Tim Berners-Lee wants to put people in control of their personal data. He has technology and a start-up pursuing that goal. Can he succeed? Three decades ago, Tim Berners-Lee devised simple yet powerful standards for locating, linking and presenting multimedia documents online. He set them free into the world, unleashing the World Wide Web. Others became internet billionaires, while Mr. Berners-Lee became the steward of the technical norms intended to help the web flourish as an egalitarian tool of connection and information sharing. See: PwC Report: Canadian Digital Trust Insights 2021: Cybersecurity comes of age But now, Mr. Berners-Lee, 65, believes the online world has gone astray. Too much power and too much personal data, he says, reside with the tech giants like Google and Facebook — “silos” is the generic term he favors, instead of referring to the companies by name. Fueled by vast troves of data, he says, they have become surveillance platforms and gatekeepers of innovation. Regulators have voiced similar complaints. The big tech companies are facing tougher privacy rules in Europe and some American states, led by California. Google and Facebook have been hit with ...
Read More
Hardbacon | Julien Brault | Jan 15, 2021 In my time as a business reporter, I was at the forefront during the decline of the country's 2000s tech giant, BlackBerry. BlackBerry launched its mobile app store in 2009, a year after Apple launched the App Store. Everyone knows the rest of the story. See: NCFA OpEd: Canada’s Open Banking Consultations: Let’s Get it Done! While BlackBerry executives praised themselves for having better sound quality and a more efficient keyboard, what people wanted when they bought a smartphone were apps. Today, the Canadian banks are making the same mistake by refusing to put control of financial data back into the hands of their users, as the European banks are already doing. In fact, since September 14, 2019, European open banking regulations (PSD2) force banks to allow their customers to share their data with third parties according to a standardized protocol. In other words, their customers can choose to share their bank information with an online loan app or even with a budgeting app. In Canada, the federal government created the Advisory Committee on Open Banking in 2018, which delivered its first report in 2020, which was very favorable to open banking ...
Read More
Crowdfund Capital Advisors | Sherwood Neiss | Jan 14, 2021 Today the Securities and Exchange Commission entered into the Federal Register the amendments to Regulation Crowdfunding. Specifically, facilitating capital formation and expanding investment opportunities by improving access to capital in private markets. These include: Raising the offering limit in Regulation Crowdfunding from $1.07 million to $5 million; Amending the investment limits for investors in Regulation Crowdfunding offerings by: removing investment limits for accredited investors; and using the greater of their annual income or net worth when calculating the investment limits for non-accredited investors; Extending for 18 months the existing temporary relief providing an exemption from certain Regulation Crowdfunding financial statement review requirements for issuers offering $250,000 or less of securities in reliance on the exemption within a 12-month period; Permitting Regulation Crowdfunding issuers to “test-the-waters” prior to filing an offering document with the Commission in a manner similar to current Regulation A and, Establishing rules that permit the use of Special Purpose Vehicles (SPV) that function as a conduit for investors to facilitate investing in Regulation Crowdfunding issuers. See: NCFA Response to CSA on NI 45-110 Harmonized Securities Crowdfunding Rules View the Federal Register and Final Rule --> here The ...
Read More
CD Howe | Robert Asselin | Jan 13, 2021 You are taking on your new role at a challenging time. Coming out of the COVID-19 pandemic, providing a brighter economic future for all Canadians will require a long-term plan and strategic investments in our productive capacity. Greater productivity drives economic growth, business investment and employment, which in turn will generate higher living standards, more sustainable social programs, and greater social mobility. To increase Canada’s productive capacity, we need to leverage the country’s human, physical and intellectual capital. Here are four ways to achieve that: 1. Re-skilling our workforce for the digital economy Canada’s most important asset is its human capital. The COVID-19 emergency has accelerated a transition that was already underway in Canada’s labour market. Rapid technological change, an uncertain and volatile environment for exports, the rise of the gig economy, and ongoing demographic shifts have combined to create a new reality for Canadian employers. See: Magnetic North: How Canada Holds its Own in the Global Race for Innovation Talent From Global Leader to Follower, is Canada losing its FinTech edge? While employers in some fields struggle to find skilled workers, close to a million Canadians are currently unemployed and many others are at risk of being displaced over the next few years as a result of ...
Read More
NCFA | Samuel He | Jan 13, 2021 As a Gen Z, technology has played a big role in my everyday life ever since I was young and now as a remote intern at NCFA, I’m excited to share some research and insights on Big Tech and Fintech credit markets. Big Tech and its expanding dominance Lending institutions such as banks and credit unions have traditionally been the chief sources of finance in most economies in the world, however large technology firms are uniquely positioned to capitalize on a technology-focused alternative to financial services. Their advanced AI and machine learning capabilities allow these companies to utilize the swaths of data that their user base generates to tailor prices, determine creditworthiness, and screen loans. Amazon’s e-commerce sales for example, reached a staggering $416.48 billion in 2020. As online channels expand due to general trends and the global pandemic, they pose an existential thread to traditional brick and mortar models. UBS analysts estimate that 75,000 brick-and-mortar stores could be forced into closure by 2026. See: Walmart to launch fintech startup with partner Ribbit Capital Companies like Walmart have seen their supply-side economies of scale diminished by competing and efficient online marketplaces that ...
Read More
The Guardian | Kalyeena Makortoff | Jan 12, 2021 More than 70 cross-party MPs are calling for regulation of buy now, pay later firms such as Klarna and Clearpay, which they say could be “the next Wonga waiting to happen.” The group is planning to table an amendment to the financial services bill on Wednesday that would force the Treasury to introduce regulations within three months of the bill being passed. MPs hope the accelerated timeline will prevent some consumers from falling into debt. Companies including Clearpay, Laybuy and industry leader Klarna have taken online shopping by storm, allowing customers to stagger payments for products such as clothes and furniture with no interest or fees – unless they fail to pay back on time. The model has proved popular among millennials and Gen Z shoppers and their use has grown during lockdown. Shoppers are using the schemes 35% more often than before the pandemic, according to Comparethemarket.com, while 27% said they were turning to the service because they could not afford the purchase outright. “Many people have [financially] overcommitted themselves using buy now, pay later companies, and we are facing mass redundancies, furloughing, and drops in income. So even if ...
Read More
Bankingdive | Anna Hrushka | Jan 11, 2021 Summary: Walmart is creating a fintech startup in partnership with venture capital firm Ribbit Capital, the big-box retailer announced Monday. The new venture will "develop and offer modern, innovative and affordable financial solutions" to customers and employees, Walmart said. "For years, millions of customers have put their trust in Walmart to not only save them money when they shop with us but help them manage their financial needs," John Furner, president and CEO of Walmart U.S. said in a statement. The details of Walmart's new fintech startup are scarce. The Bentonville, Arkansas-based company did not disclose the name of the new entity, specific services or a launch date. The retailer said the strategic partnership "will bring together Walmart's retail knowledge and scale with Ribbit's fintech expertise to deliver tech-driven financial experiences tailored to Walmart's customers and associates." The startup will be majority-owned by Walmart and its board will include Furner, Walmart Executive Vice President and CFO Brett Biggs and Meyer Malka, managing partner of Palo Alto, California-based Ribbit Capital. See: Amazon, Walmart, the Secret Battle for FinTech Supremacy: Part II Walmart said its plans to add independent industry experts to the fintech's board and ...
Read More
WiredGov | TechUK | Jan 11, 2021 Summary of day one at techUK's Digital Ethics Summit 2020. On Wednesday 9 December we kicked off techUK’s fourth annual Digital Ethics Summit. The overarching theme for day one of the Summit was lessons to be learnt from 2020. Through a series of keynote speeches, breakout sessions and plenary panels, our speakers from across industry, government, academia and civil society, assessed the role and effectiveness of the digital ethics debate during the critical events that occurred this year. To kick start the day we were joined by the Minister of State for Media and Data, John Whittingdale. As part of his keynote speech the Minister set out Government’s ambition for the upcoming National Data Strategy and highlighted work that is already underway, starting with the publication of the Government Data Quality Framework. The Minister stressed that underpinning this strategy is public trust and highlighted the need to bring the public along in these important conversations. The Minister also recognised the importance of digital skills and highlighted government’s 13M investment in a bid to boost digital skills. The Minister finished by reaffirming the importance of collaboration between the public and private sector, as well as the ...
Read More
HSE | Sarah H. Brennan | Jan 9, 2021 2020 US Summary If we put the last quarter of 2020 aside, this year could be marked by the sheer number of SEC enforcement actions and settlements in the crypto space, with more rumored to be in the works. However, the U.S. ended 2020 with a bang in the form of a flurry of proposed crypto regulations in Q4 with varying degrees of controversiality. Notably, the proposed STABLE Act and Mnuchin's midnight rulemaking on self-custody have caused a bit of an uproar, which we touch on in more depth below. See: Vitalik’s 2020 Year End Thoughts from Singapore Absent these recent rulemakings, there has been an unevenness in the Trump administration’s approach to the space and the last four years at the federal level haven’t been marked with any significant level of regulatory coordination or cohesive policy at the federal level. However, to pick upon some themes that we will talk about in this year-end review, regulators have vacillated between: (i) a focus on enforcement vs. prescriptive guidance, (ii) a tech specific vs. tech agnostic approach, (iii) aggressive views of jurisdictional reach vs. deference, and (iv) state, federal, and global coordination ...
Read More
Read More
Altfi.com | Aisling Finn | Jan 11, 2021 Fintechs flourished on Seedrs, maintaining the title of the most invested-in sector, with £78m invested in fintechs through the platform. Crowdfunding platform Seedrs saw investments through its platform top £293m in 2020, hitting a milestone of £1bn invested to date on Christmas Day. Fintech remained the most invested-in sector, scooping £78m collectively, with other areas seeing huge increases in investment, for instance, healthcare firms saw a 292 per cent jump in investment in 2020. Seedrs says over 70 campaigns raised over £1m on the platform, with big fintech names such as money management app Snoop, which raised £10mhere have been nearly 14,000 investor exits on its secondary market to the tune of £5m, Seedrs says. Jeff Lynn, executive chairman and co-founder of Seedrs, said: “Given the huge challenges that 2020 posed for all businesses, it is a source of great pride for the Seedrs team that have come to the end of the year having delivered meaningful growth across all key metrics.” See: Regulation Crowdfunding Cap in the US moves from $1.07M to $5M on March 15, 2021 NCFA Response to the Modernizing Ontario’s Capital Markets Consultation Taskforce The record figures come ...
Read More
Read More
The New York Times | Steve Lohr | Jan 10, 2021 Tim Berners-Lee wants to put people in control of their personal data. He has technology and a start-up pursuing that goal. Can he succeed? Three decades ago, Tim Berners-Lee devised simple yet powerful standards for locating, linking and presenting multimedia documents online. He set them free into the world, unleashing the World Wide Web. Others became internet billionaires, while Mr. Berners-Lee became the steward of the technical norms intended to help the web flourish as an egalitarian tool of connection and information sharing. See: PwC Report: Canadian Digital Trust Insights 2021: Cybersecurity comes of age But now, Mr. Berners-Lee, 65, believes the online world has gone astray. Too much power and too much personal data, he says, reside with the tech giants like Google and Facebook — “silos” is the generic term he favors, instead of referring to the companies by name. Fueled by vast troves of data, he says, they have become surveillance platforms and gatekeepers of innovation. Regulators have voiced similar complaints. The big tech companies are facing tougher privacy rules in Europe and some American states, led by California. Google and Facebook have been hit with ...
Read More
Read More
Hardbacon | Julien Brault | Jan 15, 2021 In my time as a business reporter, I was at the forefront during the decline of the country's 2000s tech giant, BlackBerry. BlackBerry launched its mobile app store in 2009, a year after Apple launched the App Store. Everyone knows the rest of the story. See: NCFA OpEd: Canada’s Open Banking Consultations: Let’s Get it Done! While BlackBerry executives praised themselves for having better sound quality and a more efficient keyboard, what people wanted when they bought a smartphone were apps. Today, the Canadian banks are making the same mistake by refusing to put control of financial data back into the hands of their users, as the European banks are already doing. In fact, since September 14, 2019, European open banking regulations (PSD2) force banks to allow their customers to share their data with third parties according to a standardized protocol. In other words, their customers can choose to share their bank information with an online loan app or even with a budgeting app. In Canada, the federal government created the Advisory Committee on Open Banking in 2018, which delivered its first report in 2020, which was very favorable to open banking ...
Read More
Read More
Crowdfund Capital Advisors | Sherwood Neiss | Jan 14, 2021 Today the Securities and Exchange Commission entered into the Federal Register the amendments to Regulation Crowdfunding. Specifically, facilitating capital formation and expanding investment opportunities by improving access to capital in private markets. These include: Raising the offering limit in Regulation Crowdfunding from $1.07 million to $5 million; Amending the investment limits for investors in Regulation Crowdfunding offerings by: removing investment limits for accredited investors; and using the greater of their annual income or net worth when calculating the investment limits for non-accredited investors; Extending for 18 months the existing temporary relief providing an exemption from certain Regulation Crowdfunding financial statement review requirements for issuers offering $250,000 or less of securities in reliance on the exemption within a 12-month period; Permitting Regulation Crowdfunding issuers to “test-the-waters” prior to filing an offering document with the Commission in a manner similar to current Regulation A and, Establishing rules that permit the use of Special Purpose Vehicles (SPV) that function as a conduit for investors to facilitate investing in Regulation Crowdfunding issuers. See: NCFA Response to CSA on NI 45-110 Harmonized Securities Crowdfunding Rules View the Federal Register and Final Rule --> here The ...
Read More
Read More
CD Howe | Robert Asselin | Jan 13, 2021 You are taking on your new role at a challenging time. Coming out of the COVID-19 pandemic, providing a brighter economic future for all Canadians will require a long-term plan and strategic investments in our productive capacity. Greater productivity drives economic growth, business investment and employment, which in turn will generate higher living standards, more sustainable social programs, and greater social mobility. To increase Canada’s productive capacity, we need to leverage the country’s human, physical and intellectual capital. Here are four ways to achieve that: 1. Re-skilling our workforce for the digital economy Canada’s most important asset is its human capital. The COVID-19 emergency has accelerated a transition that was already underway in Canada’s labour market. Rapid technological change, an uncertain and volatile environment for exports, the rise of the gig economy, and ongoing demographic shifts have combined to create a new reality for Canadian employers. See: Magnetic North: How Canada Holds its Own in the Global Race for Innovation Talent From Global Leader to Follower, is Canada losing its FinTech edge? While employers in some fields struggle to find skilled workers, close to a million Canadians are currently unemployed and many others are at risk of being displaced over the next few years as a result of ...
Read More
Read More
NCFA | Samuel He | Jan 13, 2021 As a Gen Z, technology has played a big role in my everyday life ever since I was young and now as a remote intern at NCFA, I’m excited to share some research and insights on Big Tech and Fintech credit markets. Big Tech and its expanding dominance Lending institutions such as banks and credit unions have traditionally been the chief sources of finance in most economies in the world, however large technology firms are uniquely positioned to capitalize on a technology-focused alternative to financial services. Their advanced AI and machine learning capabilities allow these companies to utilize the swaths of data that their user base generates to tailor prices, determine creditworthiness, and screen loans. Amazon’s e-commerce sales for example, reached a staggering $416.48 billion in 2020. As online channels expand due to general trends and the global pandemic, they pose an existential thread to traditional brick and mortar models. UBS analysts estimate that 75,000 brick-and-mortar stores could be forced into closure by 2026. See: Walmart to launch fintech startup with partner Ribbit Capital Companies like Walmart have seen their supply-side economies of scale diminished by competing and efficient online marketplaces that ...
Read More
Read More
The Guardian | Kalyeena Makortoff | Jan 12, 2021 More than 70 cross-party MPs are calling for regulation of buy now, pay later firms such as Klarna and Clearpay, which they say could be “the next Wonga waiting to happen.” The group is planning to table an amendment to the financial services bill on Wednesday that would force the Treasury to introduce regulations within three months of the bill being passed. MPs hope the accelerated timeline will prevent some consumers from falling into debt. Companies including Clearpay, Laybuy and industry leader Klarna have taken online shopping by storm, allowing customers to stagger payments for products such as clothes and furniture with no interest or fees – unless they fail to pay back on time. The model has proved popular among millennials and Gen Z shoppers and their use has grown during lockdown. Shoppers are using the schemes 35% more often than before the pandemic, according to Comparethemarket.com, while 27% said they were turning to the service because they could not afford the purchase outright. “Many people have [financially] overcommitted themselves using buy now, pay later companies, and we are facing mass redundancies, furloughing, and drops in income. So even if ...
Read More
Read More
Bankingdive | Anna Hrushka | Jan 11, 2021 Summary: Walmart is creating a fintech startup in partnership with venture capital firm Ribbit Capital, the big-box retailer announced Monday. The new venture will "develop and offer modern, innovative and affordable financial solutions" to customers and employees, Walmart said. "For years, millions of customers have put their trust in Walmart to not only save them money when they shop with us but help them manage their financial needs," John Furner, president and CEO of Walmart U.S. said in a statement. The details of Walmart's new fintech startup are scarce. The Bentonville, Arkansas-based company did not disclose the name of the new entity, specific services or a launch date. The retailer said the strategic partnership "will bring together Walmart's retail knowledge and scale with Ribbit's fintech expertise to deliver tech-driven financial experiences tailored to Walmart's customers and associates." The startup will be majority-owned by Walmart and its board will include Furner, Walmart Executive Vice President and CFO Brett Biggs and Meyer Malka, managing partner of Palo Alto, California-based Ribbit Capital. See: Amazon, Walmart, the Secret Battle for FinTech Supremacy: Part II Walmart said its plans to add independent industry experts to the fintech's board and ...
Read More
Read More
WiredGov | TechUK | Jan 11, 2021 Summary of day one at techUK's Digital Ethics Summit 2020. On Wednesday 9 December we kicked off techUK’s fourth annual Digital Ethics Summit. The overarching theme for day one of the Summit was lessons to be learnt from 2020. Through a series of keynote speeches, breakout sessions and plenary panels, our speakers from across industry, government, academia and civil society, assessed the role and effectiveness of the digital ethics debate during the critical events that occurred this year. To kick start the day we were joined by the Minister of State for Media and Data, John Whittingdale. As part of his keynote speech the Minister set out Government’s ambition for the upcoming National Data Strategy and highlighted work that is already underway, starting with the publication of the Government Data Quality Framework. The Minister stressed that underpinning this strategy is public trust and highlighted the need to bring the public along in these important conversations. The Minister also recognised the importance of digital skills and highlighted government’s 13M investment in a bid to boost digital skills. The Minister finished by reaffirming the importance of collaboration between the public and private sector, as well as the ...
Read More
Read More
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