Automated Private Financing Network
A computerized and networked system and method empower individuals and businesses to obtain private financing from qualified investors by offering risk diversification and investment liquidity. In addition, progress of the individuals and businesses is monitored to ensure their compliance with the business plans submitted to the investors. Furthermore, suspicious activities are monitored, detected and reported in accordance with the anti-money laundering, anti-terrorist financing and/or anti-financial crimes regulatory requirements.
1 . A networked computer system for enabling investors to adjust investment portfolios in subjects not traded in a public market, the system comprising:
a Qualified Investors Club computer system that receives over a network at least a portion of a business plan regarding participation in a subject, the Qualified Investors Club computer system electronically posting over the network at least the portion of the business plan as an investment opportunity to members of a Qualified Investors Club; and
a database that records the participation in the subject with the Qualified Investors Club as the owner of the participation, each member who invests in an Angel Fund for participation in the subject as a current sponsor of the Angel Fund, each member being associated with a number of sponsorship units based upon an amount of investment in the Angel Fund, the database also recording transfers of sponsorship units of the Angel Fund between members of the Qualified Investors Club.
2 . The system of claim 1 , further comprising an alerting system for notifying current sponsors of the Angel Fund of rights and obligations resulting from participation in the subject.
3 . The system of claim 1 further comprising:
a transfer system that transfers sponsorship units of the Angel Fund between members of the Qualified Investors Club via a computer network.
4 . The system of claim 3 wherein a monetary value of each sponsorship unit can differ during each transfer, the monetary value being based on an agreement between a member who is buyer of the sponsorship unit and a member who is a seller of the sponsorship unit.
5 . The system of claim 2 wherein the rights and obligations of the current sponsors of the Angel Fund are based on a percentage sponsorship of each sponsor of the Angel Fund.
6 . A networked computer system that electronically collects a business plan and operational information of at least one subject, the system comprising:
a database storing the collected business plan and operational information of the subject, the business plan and operational information being available for review online through a network by at least one investor or one potential investor.
7 . The system of claim 6 , further comprising an alerting system that generates an alert when the collected operational information does not comply with the business plan associated with the subject.
8 . The system of claim 6 further comprising:
a reporting system that generates a status report that compares the collected operational information against performance targets of the business plan associated with the subject.
9 . The system of claim 1 further comprising:
an online communications system that enables transfer of sponsorship units among members of the Qualified Investors Club.
10 . The system of claim 1 further comprising:
an online trading system that electronically enables trading of sponsorship units among members of the Qualified Investors Club.
11 . The system of claim 1 , further comprising:
a due diligence system which electronically evaluates at least a portion of the business plan.
12 . The system of claim 1 , further comprising:
a due diligence system which electronically evaluates at least a portion of a background of an owner of the subject.
13 . The system of claim 1 , further comprising:
a due diligence system which electronically evaluates at least a portion of a background of a member of the Qualified Investors Club.
14 . The system of claim 1 , further comprising:
a matching system which electronically matches an investment opportunity with at least an interest of a member of the Qualified Investors Club.
15 . The system of claim 14 , further comprising:
a noticing system which electronically informs at least a member of the matching investment opportunity.
16 . The system of claim 1 , further comprising:
an anti-money laundering, anti-terrorist financing and/or anti-financial crimes system which electronically monitors a transaction, a member, and/or a subject in compliance with at least a law, a rule, or a regulation.
17 . A computerized and networked method to provide investors with liquidity for investments in a plurality of subjects that are not traded in a public market, comprising:
electronically receiving, via a computer network, at least a portion of a business plan regarding participation in a subject;
electronically posting, via the computer network, at least the portion of the business plan as an investment opportunity;
recording in a database each member who invests in an Angel Fund as a current sponsor of the Angel Fund with a number of sponsorship units based upon an amount of investment, the Angel Fund purchasing participation in the subject with the Qualified Investors Club as an owner of the participation;
enabling electronic transfer of sponsorship units of the Angel Fund to other members; and
recording in the database rights and/or obligations resulting from participation in the subject for current sponsors of the Angel Fund.
18 . The method of claim 17 , further comprising evaluating at least the portion of the business plan.
19 . The method of claim 17 , further comprising evaluating a portion of the background of an owner of the subject.
20 . The method of claim 17 , further comprising establishing the Qualified Investors Club as a legal entity and all members as owners of the legal entity.
21 . The method of claim 17 further comprising establishing the Angel Fund as an investment project inside the legal entity, each subject of the plurality of subjects being sponsored by different owners.
22 . The method of claim 17 further comprising:
facilitating online communications so that members of the Qualified Investors Club can independently communicate among one another and independently conduct transfers of sponsorship units.
23 . The method of claim 17 further comprising:
establishing the Angel Fund as a separate legal entity, all sponsors being owners of the separate legal entity, wherein sponsorship units represent ownership units of the separate legal entity.
24 . The method of claim 17 further comprising:
conducting at least one anti-money laundering, at least one anti-terrorist financing or at least one anti-financial crimes measure which include comparing members, individuals, businesses, organizations, and titles against at least one blacklist published by at least one government and acting as required by at least one law, regulation and/or rule.
25 . The method of claim 17 further comprising:
conducting at least one anti-money laundering, at least one anti-terrorist financing or at least one anti-financial crimes measure by monitoring transactions to detect suspicious activities and acting as required by at least one law, regulation, and/or rule.
26 . The method of claim 17 further comprising:
providing online communication facilities so that sponsorship units can be traded privately.
27 . A computerized method for facilitating transfer of investments in a subject which is not traded in a public market, comprising:
recording in a database at least a partial ownership acquired in the subject;
electronically distributing sponsorship units of the ownership to a qualified investor; and
electronically transferring the sponsorship units from the qualified investor to another qualified investor.
28 . A system for facilitating transfer of investments in a subject that is not traded in a public market, comprising:
a database storing records of at least a partial ownership acquired in the subject; and
a computer system that electronically distributes, via a computer network, sponsorship units of the ownership to a qualified investor, the computer system also enabling electronic transfer of the sponsorship units from the qualified investor to another qualified investor.
29 . A system to facilitate financing for a subject that is not traded in a public market, comprising:
a database that records sponsors and their respective sponsorship units of a fund which finances the subject; and
a networked computer system that enables qualified investors to electronically trade sponsorship units through a network.