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The power of Fintech.

April 19, 2023 by Small Change

Technology is the bomb. But when you set technology loose on the problems of the world, that’s when things really start clicking.

The Fintech Times agrees with me. This month they are focused on fintech companies that meld diversity and inclusion into their financial services. My interview with them kicked off their investigation.

I’ve faced “plenty of challenges” around the notion of achieving inclusion, but financing opportunities tops the list. This struggle served as the catalyst that launched my equity crowdfunding platform, SmallChange.co, which is squarely focused on including everyone.

Capital is an old boys club. The members of that club invest where they feel most comfortable. And In real estate this means that capital (lots of it) flows into the same neighborhoods, for the same kinds of projects, often being developed by the same few people. Over and over again.

Women, and people of color get left out.
Smaller projects that need less than $10 million in equity get left out.
Opportunities to kickstart local economic growth are ignored
Rich areas get richer, poor areas get poorer.

I’ve built the first (and perhaps only) crowdfunding platform fully focused on impact in real estate. On Small Change anyone can invest directly into real estate projects for as little as $250 (as long as they are 18). And developers can raise up to $5 million for their projects every year, directly from the crowd.

We’re focused on democratizing capital formation for real estate projects, offering investment opportunities to everyone with the potential for real impact and real returns.

Read the Fintech Times report here.

Image courtesy of The Fintech Times

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IMPORTANT MESSAGE: IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING, INCLUDING THE MERITS AND RISKS INVOLVED. INVESTMENTS ON SMALL CHANGE ARE SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.

This website, smallchange.co, which we refer to as the “Site,” is used by two different companies:  NSSC Crowd, LLC, which we refer to as “NSSC Crowd,” and NSSC Funding Portal, LLC, which we refer to as “NSSC Funding Portal.” NSSC Crowd offers investments in real estate projects under Rule 506(c) of the Securities and Exchange Commission (SEC). These investments are offered to accredited investors only. NSSC Funding Portal, which is a licensed Funding Portal, offers investments in real estate projects under Regulation Crowdfunding, which is also known as Title III Crowdfunding. These investments are offered to everyone.

By using this Site, you are subject to our Terms of Use and our Privacy Policy. Please read these carefully before using the Site.

A crowdfunding investment involves risk. You should not invest any funds in the offerings listed on this Site unless you can afford to lose your entire investment.

Although our Site offers investors the opportunity to invest in real estate projects and companies, we do not make recommendations regarding the appropriateness of a particular opportunity for any particular investor. We are not investment advisers. Investors must make their own investment decisions, either alone or with their personal advisors. Real estate can be risky and unpredictable. For example, many experienced, informed people lost money when the real estate market declined in 2007-8. Time has shown that the real estate market goes down without warning, sometimes resulting in significant losses. Some of the risks of investing in real estate include changing laws, including environmental laws; floods, fires, and other Acts of God, some of which can be uninsurable; changes in national or local economic conditions; changes in government policies, including changes in interest rates established by the Federal Reserve; and international crises. You should invest in real estate in general, and in the opportunities listed at the Site in particular, only if you can afford to lose your investment and are willing to live with the ups and downs of the real estate industry.

We provide financial projections for some of the investment opportunities listed on the Site. All such financial projections are only estimates based on current conditions and current assumptions. The actual result of any investment is likely to be different than the original projection, often by a large amount.

Neither we nor anyone else guarantees the results reflected in financial projections. Neither the Securities and Exchange Commission nor any state agency has reviewed the investment opportunities listed on the Site.

Thank you for using the Site. If you have questions, please contact us at [email protected].

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