Call back
 

Business Finance Essay: Investments & Jobs in the San Francisco Bay Area

Free «Business Finance Essay: Investments & Jobs in the San Francisco Bay Area» Essay Sample

In the contemporary business world, the methods used to finance startups have diversified as a result of technological advancement. Two main ways of funding that demonstrate a difference from the conventional means include crowdfunding and angel investing. The creation of these financing sources has been made possible through the Jumpstart Our Business Startups Act in US Congress (Freedman & Nutting, 2015). These techniques enable entrepreneurs to solicit money without limitations on interest rates and other fees. The current endeavor is to explain the critical issues involved in these investment opportunities, outlining possible portfolio in crowdfunding and angel investment in San Francisco and their risks and prospects, and, finally, describe some startups that offer excellent job opportunities and risks and benefits associated with those jobs.

General Information

Angel Investors and Angel Investors Club

Angel investors are influential individuals with high net worth who volunteer to contribute money to a startup business mostly for ownership equity or convertible debt. These people must meet the definition of accredited investor in the USA for them to qualify for funding. The main reasoning behind the angel investors is that there are some startups which have a vast potential of growth, and thus by placing their money in those projects, they inspire their growth as well as benefit from their future profits (Knight, 2016). The concept may appear similar to venture capitalists, but it differs mainly in a fact that angel investors use their money, while venture capitalists use cash pooled from many other investors. Angel investors also form groups known as angel investors clubs which help them share research on possible investments, provide advice to those enterprises in which they have invested, and pool their investment capital for better funding.

 

Title of your paper
?
Type of assignment
?
Number of pages
?
Urgency
?
Academic Level
?
Spacing
?

Crowdfunding

Crowdfunding is a funding practice where a large number of people contribute to a project or a startup venture mostly through small contributions made on the Internet. The investments are made via the social media and crowdfunding websites which attract a high number of investors who have as little as 10 dollars to contribute (Knight, 2016). However, unlike other forms of investments, in the crowdfunding, there is a lot of regulation through the U.S. Securities and Exchange Commission to ensure that small-scale investors do not put a lot of their saving into risk.

An Accredited Investor

According to a general definition, an accredited investor in the US is a natural person with a total asset of $1,000,000 excluding the value of private resident, or person with an annual income of over $200,000 recorded for the last two years and expecting the same salary on the current year. If a couple have a total of at least $300,000 of annual income for the last two years and is expecting the same in the current year, each one of them can also be considered an accredited investor (e-CFR, n.d.). Moreover, according to Electronic Code of Federal Regulations, accredited investors can include financial institutions like banks and insurance companies, employee benefit schemes or charitable organizations with an asset base of at least $5 million, and businesses with all equity owners meeting individual features of accredited investor. Finally, director, partner, or executive officer of the entity selling the security or a trust with assets of at least $5 million qualifies to be an accredited investor.

The Jumpstart Our Business Startups Act (or JOBS)

JOBS is a bill that was passed by the US Congress in the year 2012 before it was enacted into law by President Obama. The primary purpose of the legislation is encouraging financing of small businesses in the country by eliminating or easing some of the security regulations. Since the 2008 financial crisis, the government has been desirous to create new channels through which small businesses would enter the market by not depending on the financial institutions like banks. The JOBS act was thus developed to ensure that firms with potentially innovative ideas would gain capital without all the hindrances from strict regulatory requirements. For example, this law enables enterprises to solicit money from the members of the public even when they have an annual gross revenue of less than $1 billion; which was initially prohibited in the country (Knight, 2016). It is this law which gave legitimacy to the current standard practice of crowdfunding.

The Main Provisions of the JOBS Act

Concerning angel investing, this act has enabled general solicitation in private placements, meaning that investor can use the capital which was previously banned. Another provision is that the JOBS Act amendment has allowed the maximum permitted offering to raise to $50 million from the prior threshold of $5 million (Knight, 2016). The final significant provision concerning angel investing is that the act has redefined the accredited investor to a less strict position. Regarding crowdfunding, the statute allows a maximum of $1 million offer annually. It also limits the amount of contribution that an individual can make in aggregate based on his or her income. Those with annual income or asset below $100,000 are only allowed to invest $2,000 or up to 5% of their income or net worth based on which is less. Additionally, those with more than $100,000 in assets or annual earning are allowed to contribute up to 10% of the lesser of either total asset or income (Knight, 2016). Finally, the act demands that total contribution per year should not exceed $100,000.

Benefit from Our Service: Save 25% Along with the first order offer - 15% discount, you save extra 10% since we provide 300 words/page instead of 275 words/page

Order now
Help

Crowdfunding

Ten Investing Opportunities and Possible Returns

Equitymultiple is an excellent investment platform that offers the real estate experience. The reason for selecting it is that it has an average of 10% return and deals institutional-quality commercial properties, thus chances of failure are low (Martucci, n.d.). Investing $3000 will promise a $300 gain in a year.

Peerstreet is a crowdfunding that offers investment in commercial property. What is good about this venture is that it provides attractive loan-to-value ratios; thus, investors’ money is always protected (Martucci, n.d.). By investing $2,000, with a return of 9%, it will give $180 in interest.

AngleList is a new way of crowdfunding mainly for the technology entrepreneurs. It is advantageous, because returns are promising despite the fact that investors have to wait for an extended period of maturity (Martucci, n.d.). By investing $1800 for five years, it promises annual return of over 15% which equals to $270.

CircleUp provides finances in fitness and food and beverage areas. It is an excellent platform, because Americans are increasing seeking for healthy lifestyles; thus, its future is guaranteed (Martucci, n.d.). With an average of 7.5%, investing $1000 will give a return of $75 in a year.

Fundable is a platform that offers funding to all sorts of smaller and less ambitious businesses. Its advantage is that it provides direct assistance to those enterprises for growth; therefore, raising their chances for success (Martucci, n.d.). With annual returns averaging at 9.6%, investing $1,200 will result in $115.2 of yearly expectation.

Crowdfunder is a unique platform that mainly finances non-traditional niches like green energy. Its approach to the funding of innovations makes it preferable, as most companies are shifting to these areas (Martucci, n.d.). It has 7.6% return rate, thus investing $1,500 will promise $114.

EquityNet finances consumer products with a return of 10.3%. Its main advantages are that it deals with a stable industry and has a good experience (Martucci, n.d.). By investing $3,000, there is a chance of getting $309.

Wefunder is another good venture that deals with long-term projects in a wide range of sectors. It has a maturity rate of 5-10 years but promises up to 20% per annum (Martucci, n.d.). By investing just $2500, the return will be $500.

Localstake connects only interstate investors and businesses in food production and apparel manufacturing. Its principal merit is that it has a fixed return of 10% annually for five years (Martucci, n.d.). Investing $2000 thus promises $200.

Fundrise is another real estate crowdfunding that provides 13% returns for its long-term project. Its advantage is that the transfer of shares is possible even before maturity period of 5 years (Martucci, n.d.). By investing $2000, it promises $260.

The Risks and Opportunities in Crowdfunding

There are few risks associated with crowdfunding that can make investors lose their money. First, there are a few regulations put in place; therefore, this venture may result in frauds and massive loss of money. Some investors also consider those investments that are dear to them, which might not be the correct way to earn in the industry (Freedman & Nutting, 2015). Additionally, long-time of maturity might lead to loss of money value due to inflation. Lastly, investors lack financing advice; hence they do not know the right time and place to invest.

Top 30
writers

Get the most experienced writer in the relevant discipline!

Hire a TOP writer for $10.95

Concerning opportunities, crowdfunding has attracted a new regulation under the JOBS Act and, therefore, most of the investors have become more protected. The venture also gives a lot of satisfaction to the contributors, as they can finance those projects that matter to the society most (Freedman & Nutting, 2015). Additionally, it is another avenue of earning money in the economy as well as providing jobs to the community. Finally, this financing practice allows the contributors to have more hand on the investment thus influencing its outcome just like accredited investors.

Angel Investing

5 Startups in San Francisco

Modsy is based in San Francisco and deals with home improvement where it helps people technologically redesign their homes. Pictures of the customers’ homes are used to create perfect 3D renderings of the house or apartment. Investing in this startup is beneficial, because the industry has an annual return of 14% (Cakebread, 2017). Here, $25,000 will be spent, and it is expected that in one-year period the yield will be over $3,500.

Gladly is the second startup in San Francisco which has an enormous potential. The primary endeavor of the company is to eliminate the tickets used by customer care replacing them with an automatic customer identification system. The reasoning behind this innovation is that clients encounter a hard time when they forget their ticket numbers. The innovation introduced by the startup is excellent and has a good future, as customer care services are becoming more technological nowadays (Cakebread, 2017). With a ROI of 15.69% and investing $20,000, this venture has an estimated $3,138 returns per annum.

VIP
support

VIP support services: extra attention is guaranteed!

Hire a VIP support for $9.99

Qadium is another startup which is becoming famous in San Francisco. The primary aim of this venture is to provide security to companies’ network by scanning the Internet on their behalf. Investing in this startup is advisable, because business entities are increasing their demand for cybersecurity due to occasional infiltration experienced in the contemporary business setups (Cakebread, 2017). The business in this industry has an annual return of 15.96%, and by investing $20,000 in this venture, the estimated profits will be $3,138 per year.

Crew is a startup that aims at providing a software which will help in all sort of mobile workers activities. Nurses, waiters, and baggage handlers among other individuals use the current communications channels which are inefficient. The venture is thus attractive, because the Crew software aims at eliminating this inefficiency increasing employee management in the sector. Most original software has a high success rate of up to 25% return on capital but on average returns at 16% (Cakebread, 2017). The investment here will be $15,000, because even if the software fails, the expected return will be $2,400.

The last startup of interest in San Francisco is Nurx. The primary aim of this venture is to provide birth control to women online on request just like Uber Application. What makes this investment attractive is that it incorporates technology in ensuring that females receive birth control timely and with the right perception. It can also expand even outside the country to other markets quickly, and with a market return rate of 12%, it is quite promising (Cakebread, 2017). By investing $20,000, it is expected that the return will be $2,400 annually. 

Affiliate Program: Earn 10%

from all orders made by people you bring.

Your people also get 17% discount for their first order.
 

The Risks and Opportunities in Angel Investing

Lack of success is one of the significant concerns in the angel investment. The investor places a lot of money in a single project, and the return of such financing relies entirely on the success of the startup. If the venture fails, the investor risks losing even the initial sum invested. Another risk is the lack of exit strategy in the industry. All angel investors do not intend to remain in a single business for years, thus at one point, they look for an interested party to buy their share. However, there is a risk that such party might not be found (Freedman & Nutting, 2015). Concerning opportunities, angel investors are involved in the startup implementation process, and thus they might control risks hence increasing the chances for success. Another tremendous opportunity is the returns that angel investor receives. Studies have shown that the funds invested multiple by two and over in five years, indicating that angel investors win over 20% returns on investment.

Jobs

Source of Startups Financing

Sources of startups financing vary widely in the today’s economy. As discussed earlier, crowdfunding and angel investing are the newest sources of startups capital. Other sources include personal saving and loans, contributions from friends and family, and peer-to-peer lending. Leasing money from venture capitalists, financial institutions loans, and government grants are other sources of finances in startups. Finally, incubators which are created in learning, companies, and research centers help their followers with startup finances.

5 % off

For more than

30 pages
10 % off

For more than

50 pages
15 % off

For more than

100 pages
 

10 Startups to Work For

Skymind is a company which deals with software development on artificial intelligence (AI). It is at the early stages of development and has raised 3.3 million so far, an indication it has a good future (Weinberger, Bort, & Kim, 2016). AI is becoming popular today; thus, future job security in this startup looks certain.

Slack is a startup which has been in operation for three years now. Since its formation, it has received over half a billion dollars funding in nine rounds with a valuation of $3.7 billion. The startup offers the work-chat app which attacks over 4 million users daily (Weinberger et al., 2016). Due to its rapid growth, working at this firm can result in more experience and better employment terms in future.

ThousandEyes, Cloudflare, and HackerOne are startups that offer solutions to the problem of illegal Internet infiltration. All these firms are based in San Francisco and have invested in an area that has gained much interest due to increasing cybersecurity issues. The business world is expecting more technological progress; therefore, companies are looking forward to having secure systems in future (Weinberger et al., 2016). Working in either of these three startups is an advantage, because chances of job security are high and present a wide range of experience.

Revel Systems is a firm which offers the iPad point-of-sale market or cash register to its users. The startup has 750 workers and has been rapidly expanding with funding of up to $127.3 million (Weinberger et al., 2016). Its large employee base means that the company has a considerable interest in heavy labor, an indication of a good employer.

Attractive plagiarism check
option: ensure your papers
are authentic!

Order&Check

Gusto offers human resource software and supports 40,000 customers (Weinberger et al., 2016). The firm produces HR products, and thus its employees must also enjoy same benefits making it a right place for employment.

Particle firm deals with the Internet of things (IoT), where it serves thousands of engineers. The IoT is expected to expand to $6 trillion; this startup is the best place to work, because it might become a multinational firm (Weinberger et al., 2016).

Stripe is one of the best places to work, as it deals with financial technology market. The startup offers software that readily accepts and tracks payments online making it simple to trade (Weinberger et al., 2016). Because online trading is becoming more and more popular, this is the place to work for better experience, better pay, and future growth.

Finally, Asana startup is firm that deals with tracking everyone’s work. The technological company has gained a considerable number of customers within a short time, because most business entities have massive problems with tracking what their workers are doing when at work (Weinberger et al., 2016). The startup is promising, as it has a vast market; therefore, working there is a good chance of growth.

The Risks/Opportunities of Working for Startups

The risk of taking a job in one of these startups is that there is a huge change of not having a balanced life between work and personal life. They are mostly busy with long working hours thus making individuals lose focus on personal issues. Risk of low payments and losing the job is also high, because most startups are not profitable while others can even fail. However, there are some opportunities, because if the firm succeeds, an employee who started with it will have had more experience and skill; hence, he/she has job security and excellent remuneration.

No more grammatically
incorrect texts! Get your papers
proofread by professionals!

Order now

Conclusion

The above exegesis has presented definitions and explanations for fundamental issues associated with crowdfunding and angel investment. It has also given a portfolio of 10 crowdfunding ventures which would yield a total of $2,323.2 from $20000 in a year. Additionally, a collection of angel investing based on current startups in San Francisco has shown that Modsy, Glady, Qudium, Crew, and Nerx are the best startups, as they promise $14,576 from $100,000 in one year. Finally, the paper has identified ten startups to work at, mostly in the technologic field.

 

Absolute Confidentiality

Our company never discloses clients’ personal information to anyone.

 

Original Papers

Every paper is protected against plagiarism by specialized plagiarism detection software.

 

Timely Delivery to Beat any Deadline

Simply put, we do not miss deadlines even the tightest ones.

 

24/7 Customer Support

Whenever questions arise, feel free to get in touch with us during day and night.

Buy Essays Online from Us to Resolve Your Academic Challenges

Cannot write an ordinary essay or a complex thesis or dissertation by yourself? Do not worry since we have online solutions for every client. We are the most credible writing company where you can order an academic paper of any type. Whether you want to buy essays online, short-answer questions assignments, reaction papers, book reports, or any other projects, contact our academic writing agency. We know that students often face tough challenges through the academic years and want to help them ease their burden.

 

It is no secret that students are obliged to submit numerous writing tasks, which are a part of their educational curriculum. If you are one of those students who experience troubles while creating memos, research papers, concept maps and other pieces of writing, you may become extremely worried about the outcome, especially if the deadline is fast-approaching and instructions are perplexing. Our professional essay writers can help you handle your assignments and improve your final grades. So, do not hesitate to ask us for writing assistance.

We are here to help those desperate students who would like to get a perfectly written term paper, dissertation chapter, synopsis, grant proposal or any other work with completely authentic content. We do understand that the submission of plagiarized academic writing projects may lead to negative consequences such as unsatisfactory grades or even suspension from an educational establishment. In case you do not know how to create original content, order custom essays online from us. The qualified and professional essay writers comprising our team are experts in producing authentic texts. They always write papers from scratch and make proper citations, which means top-notch academic writing material is guaranteed. Thus, buy essay paper writing at Express-Essays.com if you desire to receive impeccable projects.

 

Title of your paper
?
Type of assignment
?
Number of pages
?
Urgency
?
Academic Level
?
Spacing
?

Buy Essay Paper Writing and Enjoy a Variety of Services Offered

Since students are assigned the tasks and projects of diverse nature, they strive to find the online company that can provide them with not only an essay writing service but also a spectrum of others that could help them cope with their assignments. Express-Essays.com is the company that offers a broad range of professional essay services. Some of them are listed below:

  • Professional essay editing. You have produced your custom essay but you are unsure whether it is correct in terms of sentence construction, clarity of text, etc. No problem! Submit your essay online to us and expect to be delivered a flawless work.
  • Valuable rewriting. We can reword any type of text. Thus, do not delay submitting your paper to us. Be confident that the rewritten document will be focused on the same topic and deliver the same messages as the original one.
  • Great formatting. Whether you buy essays online from us or the papers of other kinds, be certain that the citation style indicated in the order form will be applied correctly. We are conversant with all formats.
  • Remarkable proofreading. If you hesitate about being able to correct all punctuation errors, misspelled words, typos, etc. in your piece of writing, hire our proofreaders. They can easily spot all mistakes and correct them.

Regardless of the custom essay service you intend to use, you can be confident tha the final output will be outstanding since we are the experts focused on superb results. We realize that education matters a lot to you and it is not always easy to reach the objectives which you have defined for yourself. However, our custom essay writing team is here to assist you in the best way possible. So, do not panic if you don’t have a clue about how to create a powerful custom essay. Instead, turn to us to use our remarkable essay writing service.

Huge Discounts for Loyal Customers Who Regularly Order Custom Essays Online from Us

5%off

For more than

30 pages

 

10%off

For more than

50 pages

 

15%off

For more than

100 pages

 
 

Continue placing orders on our website and you will be provided with generous discounts for your loyalty. The discount rate depends on the number of pages ordered. The increasing number of orders presumes the rise of discounts from 5% to 15%. For example, if you buy 30 pages in total, you will receive a 5% discount on the future orders. In case you purchase 50 pages in total, you will get an opportunity of receiving a 10% discount on your next orders. When your assignments total 100 pages, you will be offered a 15% discount on the next orders. The most interesting fact is that such type of discount is called “life-time” and you will have an opportunity to use it as much as you need. Try our essay writing service now!

Why Should I Order an Essay from Your Website?

Have you ever thought about the cases when you cannot cope with a huge amount of home tasks and numerous academic papers that have to be written within a short time frame, whereas some other students get the best grades with ease? It is no longer a secret – they use online essay writing services and do not spend even a minute on writing boring essays and research papers.

When using a valuable academic writing service, one gets a wonderful opportunity to have some free time and manage it in their own way. Students get a chance to devote their attention to something other than studies. For example, they can take up a new hobby, try the kind of sports they have been dreaming of, enhance their personal development, etc. A worthy essay writing service is a great tool for those who want to make their academic life easier and more interesting. With a superb service at hand, students may stop bothering about the constant need of doing endless assignments, lab experiments, tests, etc.

If you also want to save your time and efforts just like other students in your class, make an order on our website and get numerous advantages:

Your paper will be assigned to the best writer, who specializes in your subject. It means that an expert writing specialist will complete your assignment according to your demands, so that you can get the desired grade.

You will have 48 hours (1-19 pages) or 30 days (20+ pages) for a free revision if you think that some requirements have not been followed by the writer. Please remember that this option requires keeping initial guidelines the same.

If you buy an essay online from our agency, be confident it will belong to you only. We never resell our clients’ orders as we value both their trust in us and our reputation. So, full ownership is granted!

On our website, you can buy essay papers at attractive prices that won’t hurt your budget. Just access our “Prices” page to see what rates we charge for different types of papers. Y0u can even determine the cost of your work before ordering it.

       

Use discount code first15 and

Get 15% OFF Your First Order!

 

Advantages of Cooperating with Our Professional Essay Writers

The question “Where to buy essays online?” is acute for a large number of students who cannot handle their assigned projects on their own. You have to be careful while choosing an agency to buy an essay paper online from, especially when it goes about some unknown online writing companies. There are more and more fraudulent providers on the Internet and students often become their victims by investing money into their scam services.

However, our company is known for providing a remarkable essay writing service. We have a big client base and we receive a lot of positive feedback on our work. We know how to satisfy customers’ demands and deliver superior quality services to every student.

If you buy an essay paper or that of any other kind from our online writing company, be certain that your professor will not even assume that it was written by another person. By using the writing service offered by our agency, you can confident of receiving a genuine paper written according to your specifications. You will not find a similar paper on the web, we guarantee!

One of the most important aspects to consider when choosing us to buy an essay online is our writers. We have a very strict hiring process since we want our writing team to comprise only highly knowledgeable and experienced specialists. We employ only the best writers on the writing market. Whenever you buy an essay or a complex dissertation, we will find the most suitable writer to accomplish your writing task.

We employ only professional essay writers who are degree holders and are able to take into consideration all customers’ needs. Here is a list of benefits you can gain if you hire one of our experts to write an essay online for you.

  • Your writer will carry out detailed research on your topic and gather all appropriate materials to make sure that your topic is covered fully.
  • The assigned expert will carefully analyze the collected data and determine the order of presenting it.
  • The specialist working on your assignment will structure it coherently so that it looks visually attractive and is easy to read.
  • Your writer will complete the given task according to the indicated citation style. Therefore, you no longer need to spend hours reading rules of formatting not to lose points for the paper.
  • If you buy essay papers on our website, have no doubts that it will contain all the required visual material, i.e. charts, tables, diagrams, etc.

If you want to write an essay or research paper on your own, you will have to spend many hours in the library and browse numerous online databases to find appropriate materials. However, our professional essay writers can do everything more effectively and according to the indicated deadline. So, buy essay assignments from us to ease your academic workload. You only have to place an online order.

 

Simple Ordering Process: Buy Essay Assignments with Ease!

 
 

Submityour paper details

 
 

Payfor the order

 
 

Downloadyour paper

 
 

Only a Few Clicks to Buy Essay Writing of Top Quality

The process of using our essay writing service is indeed rather simple. It requires our customers, who want to order an essay online from Express-Essays.com, to fill out a comprehensible form and that’s all. So, to buy essay paper writing from us, you need to:

  1. Provide broad guidelines about how to deal with your assignment. Indicate the deadline, topic, number of words, spacing, citation style, etc.
  2. Pay for your assignment. We offer several reliable payment methods which you can use to buy an essay online from us. Once the transaction is verified, your assignment will appear in our system.
  3. Communicate with your expert if required. We have created an effective system for online communication between our clients and writers. So, you can always send your specialist a message if such a need arises.
  4. Download your completed paper. Once your deadline expires, your assignment will be uploaded to your account at Express-Essays.com. Additionally, the copy of your completed project will be sent to your email.

So, why waste your time if you can order an essay from us and forget your worries and troubles? Our academic writing team is always ready to assist you in overcoming your academic difficulties. Thus, feel free to use our essay writing service to achieve the desired success!

 
     
Use disount code first15 and
GET 15% OFF YOUR FIRST ORDER!
Place your order now
X
Online - please click here to chat

Coherent Cookies Policy: our aim is customer satisfaction! We guarantee complete security, fully customized content and perfect services. Read more »

It’s Ok