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Locavesting

Locavesting Logo Locavesting.com - A book, a movement... now a media site! News, analysis and resources focused on the intersection of community + financial innovation. Founded by Amy Cortese. @Locavesting


home-compass-croppedVisit the Invest With Values - Resource Directory to discover resources, information and organizations that will help you align your money and values.

Crowdfunding and The Investment Company Act of 1940

May 31, 2017 By Locavesting

One of the bugbears of investment crowdfunding is the fact that the laws do not allow special purpose vehicles—legal structures that allow investors to be pooled into a single entity, which streamlines investor communications and management. You also cannot crowdfund an investment fund. That said, there are exceptions to every rule. Real estate crowdfunding platforms […]

Filed Under: -Community Investing, -Impact Investing

As Regulation Crowdfunding Turns One, Progress For Women and Minority Entrepreneurs

May 17, 2017 By Locavesting

As its first full year draws to a close, Regulation Crowdfunding is making progress in breaking down barriers to capital for a wide range of entrepreneurs. But the flow of capital to women, minorities and rural entrepreneurs who stand to benefit the most from the new law is still just a drop in the bucket. […]

Filed Under: -Community Investing

For Impact Investor Kristin Hull, There Are Many Ways to Effect Change

May 10, 2017 By Locavesting

The California Bay Area has a well-developed impact investing ecosystem. But trace any one initiative, and chances are it will lead back to Kristin Hull. A Bay Area native and former educator, Hull drew on her insights from education, grad school and the family investment business to become an influential voice and leader in the […]

Filed Under: -Community Investing, -Impact Investing

Impact Investing Marketplace ImpactUS Launches First Four Offerings

May 8, 2017 By Locavesting

Impact investors often complain they can’t find enough viable social enterprises to invest in. And entrepreneurs bemoan a lack of available funding. A recently introduced online impact investing marketplace hopes to address that problem. ImpactUs, a Washington, D.C.-based platform, aims to provide a place where investors can find out about, research and connect with funds, […]

Filed Under: -Community Investing, -Impact Investing

A Fund Where Investors and Homeowners Both Win

April 25, 2017 By Locavesting

The mortgage crisis might seem like a distant memory, but in some ways, American families are more vulnerable than ever. More than 83,000 new families are impacted by foreclosure every month. Nationwide, one in every 200 homes goes into foreclosure. Jorge Newbery is out to change that. His company, American Homeowner Preservation (AHP), buys distressed mortgages […]

Filed Under: -Community Investing, -Impact Investing

What’s a Successful Crowdfunding Exit, Anyway?

March 22, 2017 By Locavesting

Exits. The stuff that crowdfunding investor dreams are made of. Or not? A story we ran recently has prompted us to think more about this topic. It was about the acquisition of Scotty’s Brewhouse, a mini-chain of midwestern brewpubs that is one of the few crowdfunded companies (in this case through Indiana’s intrastate exemption) to […]

Filed Under: -Community Investing, -Impact Investing

Three Women-Owned Startups That You Can Invest In Today

March 10, 2017 By Locavesting

Women entrepreneurs are at a disadvantage when it comes to raising capital for their businesses. They’re turned down more often than men and, when they do raise money, they raise smaller sums. (It’s a good thing they know how to do more with less). That’s starting to change, as new funding options that bypass the […]

Filed Under: -Community Investing, -Impact Investing

Impact Investing Rise Good News for Women and Benefit Corps

February 9, 2017 By Locavesting

Impact investing is expanding, and that is creating new opportunities for social enterprises, including Benefit Corporations, women-led firms and community-based ventures. Those are some of the implications of a recent study conducted by the Forum for Sustainable and Responsible Investment (US SIF) Foundation. “There are encouraging signs for social entrepreneurs,” says Meg Voorhes, director of research for […]

Filed Under: -Community Investing, -Impact Investing

A Progressive Investor’s Action Guide for the Next Administration

January 23, 2017 By Locavesting

Concerned about the direction of the country? Make your voice—and money—heard, argues financial advisor James Frazier in this guest post.  Now that the 2016 presidential election is in the history books, the rough outlines of the next few years are starting to become a little clearer. We can reasonably expect a federal government with less […]

Filed Under: -Community Investing, -Impact Investing, -Sustainable-Responsible Investing

Slow and Steady Does it for Regulation Crowdfunding

January 13, 2017 By Locavesting

It wasn’t quite the fireworks that some had hoped for, but Regulation Crowdfunding closed the year with a respectable showing.  In 2016, 186 companies launched Reg CF campaigns, attracting $19 million in capital commitments, according to year-end data compiled by Crowdfund Capital Advisors (CCA). Investor interest and investment have increased steadily since the law went […]

Filed Under: -Community Investing, -Impact Investing

Crowdfunding: What’s in Store for 2017?

January 2, 2017 By Locavesting

Year-end predictions are always a dicey game, and that’s especially true as we close out a tumultuous year that turned conventional wisdom (and decorum) on its head. But there’s one thing we can say with a modicum of assurance: crowdfinance will continue to pick up steam in 2017, especially in a deregulatory environment. At Locavesting, […]

Filed Under: -Community Investing, -Impact Investing

Four Ways to Create a Community-Scale Investment Fund in 2017

December 28, 2016 By Locavesting

Community capital is about empowerment of communities. It is a set of strategies that allows ventures to raise capital from their ideal investors within their own community, allows anyone of virtually any economic class to invest in their community, and allows communities to build wealth though a cycle of investment, growth, profit, and reinvestment. Community […]

Filed Under: -Community Investing, -Impact Investing

Community Capital: Impact Investing, By and For the People

December 20, 2016 By Locavesting

There’s a refrain we’ve been hearing recently at gatherings of community organizers: “Nothing about us without us is for us.” While these words echo a centuries-old Latin slogan (“nihil de nobis, sine nobis”), they reflect a profound truth as relevant today as it has ever been. Their meaning is something like this: “Don’t try to […]

Filed Under: -Community Investing

Venture Funding With a Twist: Founders Have to Give Back

December 16, 2016 By Locavesting

Social entrepreneurship and venture capital are often an uneasy fit. The emphasis on fast growth and outsize returns can push founder to stray from their mission. Now, a new venture fund is marrying social impact and Millennial values with early stage investing—and redefining the term sheet in the process. The fund, Aera VC, is a […]

Filed Under: -Impact Investing

What Do Financial Advisors Have Against Local Investing?

November 29, 2016 By Locavesting

I was on a panel earlier this year at the ComCap conference in Portland, discussing how my colleagues and I manage to do what other financial advisors seem incapable, unwilling, or downright frightened to do. Audience members recounted tales of bringing this taboo investment subject up to their financial advisors, only to be rebuked, scolded, […]

Filed Under: -Community Investing, -Impact Investing

Crowdfunding Pioneer Indiegogo Makes Its Move Into Equity Crowdfunding

November 21, 2016 By Locavesting

Indiegogo threw its hat into the investment crowdfunding ring on Tuesday, ending months of suspense. The company, which pioneered the rewards-based crowdfunding market in 2008, immediately became the 800-pound gorilla in the fledgling market. To date, more than $1 billion has been raised from 9 million backers for rewards-based campaigns on the site. Now, in […]

Filed Under: -Community Investing, -Impact Investing

These New Crowdfunding Sites Seek Social as Well as Financial Returns

October 28, 2016 By Locavesting

When the JOBS Act was signed into law, it was hailed as a major step in democratizing finance and opening up new pools of capital for small businesses, especially those run by women, minorities and social entrepreneurs who have traditionally struggled to raise funding. For the first time, everyone could be an impact investor. So […]

Filed Under: -Community Investing, -Impact Investing

Will Intrastate Crowdfunding Finally be Fixed?

October 24, 2016 By Locavesting

Intrastate crowdfunding is poised to take a giant leap forward next week when the S.E.C give a thumbs up—or down—to important changes proposed to two key exemptions that underlie all state-based crowdfunding activity. The Commission will meet on Wednesday morning to consider whether to adopt rule amendments related to Securities Act Rules 147 and 504 […]

Filed Under: -Community Investing, -Impact Investing

Blended Capital Fund Helps Small Scale Farmers in Arkansas

October 6, 2016 By Locavesting

The funding world used to be fairly straightforward: there was philanthropy for nonprofits, venture capital for startups and bank loans for existing businesses. But in the age of social enterprise and impact investing, those lines are blurring. As more businesses combine a social mission with a for-profit business model, finance is adapting, giving rise to […]

Filed Under: -Community Investing, -Impact Investing

Republic Wants to Bring Angel Investing to the Masses

September 14, 2016 By Locavesting

A new investment crowdfunding platform joined the fray over the summer. Founded by AngelList alumni, Republic.co brings with it a high level of street cred—and ambitions to match. It focus: everyday investors and companies that are innovative, diverse and mission-driven. Since it was launched six years ago, AngelList has become the gathering place for early […]

Filed Under: -Community Investing, -Impact Investing

Credibles: Supporting Local Businesses With ‘Edible Credits’ is Just the Start

August 22, 2016 By Locavesting

Investment crowdfunding may get all the attention these days, but there are other ways of support businesses you love—without all the red tape. One of those is Credibles, an app that lets you pre-pay at your favorite restaurant or food purveyor (like Love & Hummus, shown in photo above), and earn edible credits. Think of […]

Filed Under: -Community Investing, Beyond Investing

Before You Invest: The Basics of Financial Due Diligence

August 9, 2016 By Locavesting

Interested in investing in a company that is raising funds under Regulation Crowdfunding (Reg CF), Regulation A or Regulation D? That means doing your homework— understanding what you are investing in and making an “informed investment decision.  In other words, due diligence. In this article, we’ll explore the basics of financial due diligence, which includes […]

Filed Under: -Community Investing, -Impact Investing

PRIs: An Underused Funding Tool for Family Foundations and Social Enterprises

July 29, 2016 By Locavesting

“It’s like startup nation! There are so many different businesses. And there’s so much money out there—and you can find these people.” – Joanne Wilson, Angel Investor, NYC Great advice, right? Then why do so many entrepreneurs and investors struggle to find one another? The answer is that yes, there is a lot of money […]

Filed Under: -Community Investing, -Impact Investing

For Crowdfunders, Revenue Sharing Can Have Benefits Over Equity

July 20, 2016 By Locavesting

When raising money through crowdfunding, one of the most important decisions entrepreneurs need to make is how to structure the offering. The appropriate structure will depend on a lot of factors, including the business’ stage of development, its performance to date, growth plans and the targeted capital source. But the options generally fall into one […]

Filed Under: -Community Investing

Bill to Improve Regulation Crowdfunding Passes House

July 7, 2016 By Locavesting

The legislative process has been compared to sausage being made. That was certainly the case with Regulation Crowdfunding, the provision of the JOBS Act that allows for mainstream investment crowdfunding open to all investors. In their desire to protect mom & pop investors, lawmakers modified the original bill in ways that made it too cumbersome to be […]

Filed Under: -Community Investing

The White House on Crowdfunding and American Innovation

June 21, 2016 By Locavesting

In May, the final “crowdfunding” rule of the U.S. Securities and Exchange Commission (SEC) went into effect, making it possible for entrepreneurs across the country to raise small-dollar investments from ordinary Americans. This new rule is a result of the Jumpstart Our Business Startups (JOBS) Act. When President Obama signed the bipartisan JOBS Act, he […]

Filed Under: -Community Investing

Crowdfunding Campaigns Can Help Raise Additional Outside Capital, Says Study

June 13, 2016 By Locavesting

Can crowdfunding help you raise outside capital from conventional sources? There are certainly examples. After being turned down by venture capitalists, the inventors of the Pebble Watch went on to smash records on Kickstarter, raising $10 million in a 2013 campaign. Then the VCs came calling, investing $15 million in the smart watch venture. And […]

Filed Under: -Community Investing

Who’s Crowdfunding? A Snapshot of Week 1 of Regulation Crowdfunding

May 25, 2016 By Locavesting

Will Regulation Crowdfunding be the game-changer that it was expected to be when the JOBS Act was signed into law four years ago? Time will tell. In the meantime, we decided to take a closer look at the offerings floated under the new rule, which opens up investment in private companies to all Americans and […]

Filed Under: -Community Investing, -Impact Investing

Advertising Rules for Title III Crowdfunding Are More Flexible Than You May Think

May 10, 2016 By Locavesting

Like most legislation, Regulation Crowdfunding, aka Title III of the JOBS Act, was a compromise. The final bill and the subsequent rules written by the Securities & Exchange Commission attempted to balance competing views on the best way to increase access to capital for the nation’s small businesses while protecting investors. One result of that […]

Filed Under: -Community Investing

Fixing Crowdfunding: Congress Mulls JOBS Act Version 2

April 29, 2016 By Locavesting

In Silicon Valley, it’s almost dogma that you start with a minimum viable product and iterate—the techie version of throwing spaghetti against the wall and seeing what sticks. So why shouldn’t it be the same with investment crowdfunding? As we prepare for the long awaited roll out next month of Title III, the final and […]

Filed Under: -Community Investing

A New Option For Investing in Crowdfinance Alternatives From Your IRA

April 19, 2016 By Locavesting

Investment crowdfunding is coming. But will you be able to invest? If you’re like many Americans, you may not have a pot of money sitting around to sink into crowdfunding investments. Heck, most Americans don’t even have the suggested rainy day fund set aside. But many of us do have individual retirement accounts, or IRAs—about […]

Filed Under: -Community Investing, -Impact Investing

The JOBS Act at Four: A Status Report

April 5, 2016 By Locavesting

It doesn’t get much attention outside of crowdfunding and financial circles. No one mentions it in presidential campaigns, either to take credit or disparage it. But it’s hard to understate the importance of the JOBS Act, the landmark securities legislation signed into law on April 5, 2012 by President Obama with broad bipartisan support. As […]

Filed Under: -Community Investing

New Funding Options Take Root For Food And Agriculture Ventures

March 25, 2016 By Locavesting

Raising capital is difficult for any startup or small business. But it’s especially challenging for entrepreneurs in food or agriculture. Margins are often low, especially in the beginning. There’s also enormous risk due to factors outside of an entrepreneur’s control, like unexpected weather impact on crops. Providing collateral that lenders will accept can be difficult for […]

Filed Under: -Community Investing, -Impact Investing

How The JOBS Act Gets it Wrong—And DPOs Get it Right

March 18, 2016 By Locavesting

The last few years have been exciting ones, as new crowdfunding laws at the state and federal level have been passed that allow people to easily invest in small, growing companies—the kind of investments that, since the Securities Act of 1933, have been the exclusive purview of accredited, or wealthy, investors. In many ways, it […]

Filed Under: -Community Investing

With New Offering, StreetShares Opens Small Business Lending to All Investors

March 17, 2016 By Locavesting

Ordinary investors across the country can now lend money to small businesses, thanks to a regulatory greenlight given to online lender StreetShares. The move comes as the industry gears up for Title III, the long awaited JOBS Act provision that will open up investment crowdfunding to the mainstream when it goes into effect on May […]

Filed Under: -Community Investing

Social Impact Bonds: Something Republicans And Democrats Agree On

March 3, 2016 By Locavesting

Democrats and Republicans don’t seem to agree on much in this fractious campaign season. The exception may be Social Impact Bonds (SIBs), an innovative new financing model that is being welcomed with a warm bipartisan embrace. Also known as pay for success, SIBs are a new mechanism for financing initiatives aimed at addressing social ills, […]

Filed Under: -Community Investing, -Impact Investing

A Crowdfunding Platform For Equitable Real Estate

February 19, 2016 By Locavesting

“I like the grittiness of cities,” says Eve Picker, a Pittsburgh resident of 31 years who maintains a healthy Australian twang. “I like to think about places that have been left behind. What will it take to get people to put their money into places like that?” For Picker, it’s not just a rhetorical question. […]

Filed Under: -Community Investing

Social Impact Fashion Comes to Main Street

February 8, 2016 By Locavesting

In 2012, Alok Appadurai and Jade Beall, co-owners of a yoga and arts studio in Tucson, Arizona, began designing and selling t-shirts and donating a portion of each sale to local nonprofits that feed the hungry. Little did they know where that simple idea would take them. As they learned more about the fashion industry, […]

Filed Under: -Community Investing, -Impact Investing

Move Over Microbrews, Cars Are the New Crowdfunding Darlings

January 30, 2016 By Locavesting

Are cars the new beer? You might think so from the latest spate of high profile crowdfunding campaigns. As new securities regulations go into effect that allow significantly larger amounts of capital to be raised, a new breed of issuer is grabbing the spotlight. In the last several weeks, boldly imaginative car and aircraft makers have […]

Filed Under: -Community Investing

Is Student Debt Crushing Millennial Entrepreneurship?

January 27, 2016 By Locavesting

Mention the words entrepreneur or founder, and images of ambitious, be-hoodied youth might arise. Thanks to Silicon Valley, youth and entrepreneurship are intertwined in the popular imagination. But the reality is starkly different. Millennials lag behind older age groups in starting and running their own businesses. And a new study suggests that student debt loads […]

Filed Under: Beyond Investing

A Mud-Riding ‘Geeky Girl’ Beats the Crowdfunding Drum in Mississippi

January 22, 2016 By Locavesting

Jennifer Gatewood calls herself ‘Mississippi’s Geeky Girl.’ After a career in information technology, she started Peer Elevate to “bridge a gap and lift people up.” When Mississippi enacted an intrastate crowdfunding exemption in May 2015, she saw an opportunity to create Mississippi’s first crowdfunding portal, Peer Elevate Funding. But first, there was a lot of education […]

Filed Under: -Community Investing, -Impact Investing

As Population Becomes More Diverse, Funding Options Grow

January 19, 2016 By Locavesting

The gorgeous mosaic that makes up the U.S. is becoming more so. African-Americans, Asian Americans and Hispanics collectively account for 38% of the U.S. population, and are expected to surpass 50% by 2044. And the Millennial generation is not only large, it is the most racially diverse in the nation’s history. This multi-culti melting pot […]

Filed Under: -Community Investing

The Research is Clear: Local Business is Good for What Ails The Economy

January 14, 2016 By Locavesting

Here at Locavesting, we always perk up when we see the Hometown Advantage Bulletin land in our mailbox. Put together by Stacy Mitchell & team at the Institute for Local Self Reliance, the newsletter is always full of insightful articles and research on local economy issues. In fact, for 40 years, ILSR has been at […]

Filed Under: -Community Investing

Demystifying CDFIs: How to Invest in a Loan Fund

January 12, 2016 By Locavesting

Aeris (formerly known as CARS) is an information and ratings service for U.S. community investments—you might think of them as the Moody’s or Standard & Poor’s of the nonprofit finance world. Aeris rates organizations on their financial strength and social impact to help investors make informed decisions. Karen Seabury, Director of Ratings at Aeris, shares […]

Filed Under: -Community Investing

Michael Shuman on Pollinators, Social Enterprise and Remaking Economic Development

January 9, 2016 By Locavesting

Michael H. Shuman is an economist, attorney, author, entrepreneur, and one of the world’s leading experts on community economics. (He is not, however, a famous rock drummer).  His eighth book, (we think, we’ve lost count) The Local Economy Solution: How Innovative Self-Financing “Pollinator” Enterprises Can Grow Jobs and Prosperity, takes on the economic development profession […]

Filed Under: -Community Investing, Beyond Investing

SEC Move Could Determine the Fate of Intrastate Crowdfunding

January 6, 2016 By Locavesting

Will this be the year that intrastate crowdfunding catches fire? The answer may depend upon the Securities & Exchange Commission, which is considering updates to a federal rule that underlies the vast majority of intrastate crowdfunding laws. After a public comment period ends on Monday, the agency will begin deliberating on changes that could make—or […]

Filed Under: -Community Investing, -Impact Investing

Social Impact Investing: the Outlook for 2017

January 3, 2016 By Locavesting

For all its faults, we may look back at 2016 as the year that impact investing was democratized. Once the exclusive domain of wealthy individuals and institutions, impact investing is now within reach of any American with $100 to invest—thanks to the passage of the JOBS Act and new investment vehicles like those offered by […]

Filed Under: -Impact Investing

2015: The Year in Impact Investing & Social Enterprise

December 31, 2015 By Locavesting

The idea that business can be a force for good has been gaining steam for years, but 2015 may have been the year that it went mainstream. Here’s a look back at some of the year’s most notable developments in the world of social enterprise and impact investing.  Mark Zuckerberg embraces impact investing. When the Facebook […]

Filed Under: -Community Investing, Beyond Investing

Crowdfinance: Experts Predict What’s in Store for 2016

December 28, 2015 By Locavesting

2016 will be the year that the long-awaited Title III “Regulation Crowdfunding” goes into effect.  That, along with Title II (for accredited investors), Regulation A+ (Title IV) and intrastate crowdfunding, will open up new avenues for entrepreneurs, investors and portals alike. But where will it all lead? We asked some experts to weigh in on […]

Filed Under: -Community Investing, -Impact Investing

Three Direct Public Offerings You Can Invest in Today

December 22, 2015 By Locavesting

Starting May 16, all investors, regardless of wealth, will be able to invest in private companies when the last piece of the JOBS Acts goes into effect. In the meantime, there’s an alternative: direct public offerings, or DPOs. These offerings use pre-JOBS Act exemptions to allow private companies to extend investment opportunities to ordinary investors. […]

Filed Under: -Community Investing, -Impact Investing

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Disclaimer: The information shared through investwithvalues.com has been provided by Talgra, LLC (“Talgra”). No representation or warranty, expressed or implied is made by Talgra, the sponsors, partners or contributors as to the accuracy or completeness of the information contained herein. The website is for educational and informational purposes only and is subject to change. This does not constitute an offer or a solicitation to purchase or sell any security, and nothing herein should be construed as such. The opinions represented in this directory are those of Talgra and should be considered in conjunction with advice from a professional advisor in the context of your particular investment situation. The specific investments included in this website are examples of investments that can be made in each of the different investment categories and are not recommendations to purchase any individual security or investment vehicle.