What is the difference between crowdfunding and crowdlending?

In addition to this, you need to know more about it.

Crowdfunding literally translates to “crowd funding” and involves a large number of people to fund a project. This method of financing makes it possible to raise funds from a large public via crowdfunding platforms and is increasingly democratized thanks to the internet and social networks.

Crowdfunding can take the form of:

In addition to this, you need to know more about it.

• From donation: it is crowdfunding by donation

• Loan: it's crowdlending. The interest rate is negotiated in advance

• Participation in the capital of companies: this is crowdequity

Crowdfunding by donation is the most widespread method of financing to finance artistic projects, associations, etc. In this context, participants donate either on their own or in return for a reward.

Crowdlending makes it possible to invest money directly in companies in the form of debt (paid loans and bonds).

Investors can thus invest in the real economy without mobilizing their savings for too long since they receive a monthly repayment with interest (except in the case of end transactions where the deferred amortization can be applied to capital but also sometimes to interest) .

Crowdequity makes it possible to invest money directly in companies in the form of shares. Investors can thus invest in the real economy by participating directly in the creation of wealth for the company in which they are investing.

What is the CAE-D'HAITI status?

According to the statute and the constitutive act, CAE-D'HAITI is an association recognized by the Ministry of Social Affairs and is registered with the DGI number 000-830-868-7.

How does a crowdfunding platform work?

In addition to this, you need to know more about it.

Step 1: The company wishing to collect through crowdfunding submits its financial and accounting information on the platform and explains its project. He can come to our office to give financial and accounting information and explain his project.

Step 2: CAE-D'HAITI's team of financial analysts carefully analyze all the company's figures. Following this financial analysis, CAE-D'HAITI sets a fundraising objective, a success threshold, and if it is a case in the form of debts: a financing period and a percentage in the profit. If the financial analysis leads to a positive response from CAE-D'HAITI, we propose the financing and co-management methods to the company for validation.

Step 3: After agreement from the company, the platform collects the project on the platform and at its office.

Once the project is uploaded, investors can invest in the project for the duration of the fundraising. If the fundraising objective is reached before the fundraising ends, it is no longer possible for new investors to subscribe to the offer but they can place their money in the center for all its projects and we release the funds raised. according to our company procedures.

Whatever happens, on the date of the end of the collection, the collection stops. If the fundraising goal or the success threshold (often 60% to 80% of the initial goal) is reached, we release the funds raised for the company. If the threshold of success is not reached, the sums corresponding to the amounts of the subscriptions will be used for other projects with the agreement of the investor or be returned to him.

Why do companies finance themselves from the platform community?

The companies that call on us are looking for solutions that complement the traditional financing provided mainly by banks. Thanks to the implementation of special offers (discounts on the products and services of a financed company), which remain ancillary to the financing, the platform offers much more than an intermediation relationship between investors on the one hand and issuers. the other.

Indeed, we are present alongside business leaders to support them in describing their needs in order to facilitate discussion with our community of investors. We create a unique link between investors and companies during the fundraising campaign to retain them for several years.

At the end of the data collection, we systematically submit an end-of-collection report to the company manager allowing him to understand the effects of his operation.

Why has the platform implemented a CSR corporate social responsibility policy?

Our action and that of our investors have a direct impact on the real economy because we try to promote as a priority the most solid projects which allow to create jobs and wealth in Haiti. We highlight the job creation provided for in the projects we finance.

In addition, we also support the commitment of our investors by donating 1,000.00 Gdes for each new registrant who finances a project to a panel of foundations or associations recognized for their action in favor of integration, whether through the help with the creation of a business, the return to employment or the entry into the working life of young apprentices.