[abfunders]

I'd be careful with your wording here, as you said it, it looks like an unregistered securities request. UNLESS the client is looking for a loan and the "investors" is only because it's a startup, then you should reword this request.

[Business2122]

I'd be careful with your wording here, as you said it, it looks like an unregistered securities request. UNLESS the client is looking for a loan and the "investors" is only because it's a startup, then you should reword this request.

Technically it’s called “ Mezzanine financing” which is a legal loan a privately held entity can obtain by offering debt with interest in exchange for capital

[Private Lenders]

I'd be careful with your wording here, as you said it, it looks like an unregistered securities request. UNLESS the client is looking for a loan and the "investors" is only because it's a startup, then you should reword this request.

Micah's right here.

Unless you're licensed, this wording is soliciting an investment.

And stating returns is an area you have to be VERY careful with the SEC. Not that this isn't do-able, I have deal that is getting quadruple digit returns for cash injection opportunities. *this is NOT a solicitation for investment only educational/entertainment purposes*

You want to say cash injection, as what you said here is: "Payments made quarterly combining principal & interest." This is a debt deal, but the % could entertain an equity kicker once introduced to the principal but you can't be taking a commission on equity alone unless licensed.

If you have lenders that do debt/equity that's different and can be requesting a loan and get a commission from the lender you're IN with for the debt side of the deal - but if you don't have them, and stating equity % then this is soliciting.

Not trying to be over the top - But you do want to be careful as this is a very fine line with the SEC and can get you in trouble.

AND... side note -- for $50K - why don't they use personal credit and get up to $300K personal lines/business lines for their business. Or have a friend do this to help them and give them a slice of the pie. Many ways to help this for such a low cash injection amount.

Cheers,
Kristina

CEO Prosperity Financing
https://prosperityfi.com

[Business2122]

Micah's right here.

Unless you're licensed, this wording is soliciting an investment.

And stating returns is an area you have to be VERY careful with the SEC. Not that this isn't do-able, I have deal that is getting quadruple digit returns for cash injection opportunities. *this is NOT a solicitation for investment only educational/entertainment purposes*

You want to say cash injection, as what you said here is: "Payments made quarterly combining principal & interest." This is a debt deal, but the % could entertain an equity kicker once introduced to the principal but you can't be taking a commission on equity alone unless licensed.

If you have lenders that do debt/equity that's different and can be requesting a loan and get a commission from the lender you're IN with for the debt side of the deal - but if you don't have them, and stating equity % then this is soliciting.

Not trying to be over the top - But you do want to be careful as this is a very fine line with the SEC and can get you in trouble.

AND... side note -- for $50K - why don't they use personal credit and get up to $300K personal lines/business lines for their business. Or have a friend do this to help them and give them a slice of the pie. Many ways to help this for such a low cash injection amount.

Cheers,
Kristina

CEO Prosperity Financing
https://prosperityfi.com

In the private financing world, lines of credit is most lucrative taking against actually instruments, which he currently has

Far as “license”, soliciting an investment”

Post the law that says you can’t state how much you’ll give one Back for money invested without a license

After that I’ll post the exact US law that say a private company can.

“Side note, it’s funny how looking for small business investment is soliciting
but charging (1.40 or 140% interest on cash advances isn’t usury)” lol

[Private Lenders]

Was just trying to help you as your wording as it was soliciting.

Do your own homework. Look up the SEC rule and regulations for soliciting investments.

And if he needs $50k for 50-100% - this is a horrible deal for the owner, WAY better ways to help him/her.

And factoring is a not equity and MCA is merchant cash advance it's not a LOAN NOR investment equity it's advance against receivable, it's different and as we all know MCA is starting to be regulated, finally! Thank God.

Happy New Year - keep 'em coming! ;-)

[Business2122]

Was just trying to help you as your wording as it was soliciting.

Do your own homework. Look up the SEC rule and regulations for soliciting investments.

And if he needs $50k for 50-100% - this is a horrible deal for the owner, WAY better ways to help him/her.

And factoring is a not equity and MCA is merchant cash advance it's not a LOAN NOR investment equity it's advance against receivable, it's different and as we all know MCA is starting to be regulated, finally! Thank God.

Happy New Year - keep 'em coming! ;-)

You’re just jabbering now, lol how nice, and we all know there’s no law allowing 100+ percentage rate of return, no matter the noun describing the verb

i clearly said minimum, and I gave percent range, meaning all math is circumstantial

And it’s clear in this conversation, that I solely understand rules, not once did I reply with opinion. All I spoke of is factual

But somehow I need to do homework on your random “people policing words” based on your personal understanding of “ do-able” thank god for your deep knowledge of finance lol