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Small Change

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Invest in Small Change

We’re raising capital (soon). You can help us grow.

Keep me posted. I want to invest!

NSSC Holdings, LLC is testing the waters under regulation crowdfunding. No money or other consideration is being solicited, and if sent in response, will not be accepted. No offer to buy the securities can be accepted and no part of the purchase price can be received until the offering statement is filed and only through the intermediary’s platform. An indication of interest involves no obligation or commitment of any kind.

What’s this all about?

We’re planing to raise capital through a Regulation Crowdfunding (Reg CF) offering to grow our company, Small Change. You can let us know of your interest in investing by clicking one of the buttons on this page. While we can’t accept investments yet, by providing us with your contact information, you’ll be the first to know when we launch.**

Since we are not permitted to raise funds through Reg CF on our own platform, we’ll be raising funds on another portal. For now, we’re still planning. We’ll update you when we are ready to take investments.

Small Change is a female-founded company. Only 2.3% of total capital invested in 2021 went to female-founded companies. You can help to change that statistic!

Eve Picker, founder & CEO. Lover of cities. Architect. Urban Designer. Real estate developer. FinTech pioneer. Urban change agent.

Invest in change. Get perks.

Loyalty rewards. For repeat Small Change investors.

$5,000 + Join in on a quarterly call with the Small Change team.

$10,000 + Party at an annual event hosted by the founder

$25,000 + One on one dinner with the founder.

$50,000 + Hang out with the entire Small Change team for two nights at a Berkshire luxury estate (funded on Small Change.)

See disclosure packet for full details on perks once we register and launch the offering.

I want updates!

We’re all about impact investing in real estate.

Small Change is the first equity crowdfunding platform unlocking the $160 billion market segment of Impact Investing in real estate.

You can start or grow a real estate portfolio on Small Change. It’s easy. Diverse developers. Clear returns. Innovative projects focused on building better communities everywhere.

On our platform everyone (18+) can invest in the projects, people and places they love.

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We’re tackling an old-boy’s club…

And helping people, projects and places, left out.

Banks lend to the same buildings in the same hot markets, over and over again. There’s little interest in real estate investment with checks of less than ten million.

Investors are largely homogenous. This leads to investment in the same product, over and over again. Minority and women developers and innovative development solutions often lack access to capital.

We focus on impact in 3 ways:

We measure the impact of each project with our proprietary Small Change Index.

Everyone (18+) can
invest to build wealth on Small Change.

We embrace emerging minority & women developers.

The projects.

We use our proprietary Small Change Index to measure project impact with the goal of creating more affordable, more equitable and more innovative communities.

All projects must score at least 60% to be listed on Small Change.

Here’s our impact report. *

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The investors.

We’re building a market place for every day real estate investors on Small Change.

Not so long ago only deep-pocketed investors had access to real estate investment opportunities. But that changed with the 2012 JOBS Act and the introduction of Regulation Crowdfunding in 2016.

Now everyone who is 18+ can invest in the projects, developers, and cities they love. Now, everyone can build a real estate portfolio for as little as $250 per investment.

Real estate mogul.

Wealth builder.

Change maker.

The developers.

56% of our developers to date are minority and/or women-led.

And our reach is growing. We have over one hundred and thirty deals and qualified leads in our pipeline, growing every day.

Projects have been listed in Arizona, California, Connecticut, District of Columbia, Florida, Illinois, Louisiana, Massachusetts, Maryland, Michigan, New Jersey, New York, Oregon, Pennsylvania and Texas.*

There are lots more to come.

How it works.

We’ve worked hard to streamline a complex (and slightly daunting) set of requirements.

Our solution is turn-key. With a well thought through business plan in hand, any developer can quickly and easily list an offering on Small Change.

Small Change evaluates projects against the Change Index + other criteria like developer experience

Small Change meets with and onboards qualified developers while continuing project diligence

Small Change provides a seamless and SEC compliant process

Small Change lists verified projects as investment opportunities on the platform

Anyone 18 and over can invest in projects for as little as $250 (or as much as they’d like)

Small Change charges a listing fee + a commission on the funds raised.

We’re gaining traction.

To date, returns to investors from projects they invested in on Small Change have averaged 12+% IRR. This is based on the past performance of real estate projects that have gone full cycle, repaying investors both their initial investment + a return.*

Past performance does not guarantee future returns.

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We’re raising capital.

We’re raising capital to grow. We plan to reach annual revenue of over $15 million, with net income of $8.8 million, in five years.

Our revenue is derived through onboarding fees, offering commissions and investor management services with additional revenue streams planned.

With the funds raised through this offering we plan to…

Improve platform features

Grow the marketing engine

Expand our developer reach

Join us.
Together we’ll make some change.

If you believe our cities should be filled with greener, more innovative and equitable projects;

If you believe everyone should have equal access to capital;

If you believe that no matter where you live or what you earn, everyone should be able to build wealth;

Or if you simply want to back a female founder!

Sign me up. I want updates!

Disclaimers.

* All statistics on this page reflect projects listed and progress on the Small Change Platform as of the launch date of this test-the-waters page.

** NSSC Holdings, LLC is testing the waters under regulation crowdfunding. No money or other consideration is being solicited, and if sent in response, will not be accepted. No offer to buy the securities can be accepted and no part of the purchase price can be received until the offering statement is filed and only through the intermediary’s platform. An indication of interest involves no obligation or commitment of any kind.

The offering materials may contain forward-looking statements and information relating to, among other things, the Company (NSSC Holdings, LLC) its business plan and strategy, and its industry. These forward-looking statements are based on the beliefs of, assumptions made by, and information currently available to the Company’s management. When used in the offering materials, the words “estimate,” “project,” “believe,” “anticipate,” “intend,” “expect” and similar expressions are intended to identify forward-looking statements, which constitute forward-looking statements. These statements reflect management’s current views with respect to future events and are subject to risks and uncertainties that could cause the Company’s actual results to differ materially from those contained in the forward-looking statements. Investors are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date they are made. The Company does not undertake any obligation to revised or update these forward-looking statements to reflect events or circumstances after such date or to reflect the occurrence of unanticipated events.

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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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