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Micro investment

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  • Submitted by: Moogy
  • Created: Apr 23, 2007, 8:29 am
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The Elevator Pitch

For Investors or loan seekers who are looking for an alternet way of getting what they want the Micro Investment is a web site that gives the option of mirco investment an loans. Unlike Extrade, Banks, and others our product enables users to minimize risk and maximize profit with are first come calculation system.

The Idea

This idea is a website for people seeking to invest very small amounts (0.10$) to very large, in a startup business or an established one. It's also for people or a business looking for funding. The site offer the possibility to become a broker or investment consulting for investors.

The investor can scan the database of projects then invest in a project or place his money with a broker to take care of his investments. The return on investment is calculated in this fashion.
(Base amount invested * investment ranking * % profit of the project) - (web site transaction fee).

A broker will place money in projects from the amount they get from investors. They get a commission base on the profit they make for their investor group - a brokering fee the web site charges.

People or a business submit their project for financing. (business plan, forecast, etc). Once they get investment X% of shares - a web site fee, they have to supply monthly reports, financial statements, etc.

The Logo

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I thought of this idea when I was...

Looking for ways to get investment in projects for CH

(Base amount invested * investment ranking * % profit of the project) - (web site transaction fee).

This formula means the earlier you invest in a project, the more your share of profit is worth.

Comments Posted

jshaffstall Posted: April 23, 2007, 11:19 am

This seems like it could work pretty well. It's a bit like a non-charity version of Kiva, and opens up investing to everyone. I'd want to see more real numbers on how big of an investment was really needed to make a profit, after broker fees.

Doymarn Posted: April 23, 2007, 2:09 pm

Is this an original idea or one inspired from the many already in the ideas pool of a similar nature?

Brenden Posted: April 23, 2007, 2:19 pm

not original... This is the idea that won the Nobel Peace Prize this year.


He started giving away micro loans to start business in India.

Do you expect to take away business for him or work in another market? If these people need micro loans how can they get a computer to go to your website?

Bluewookie Posted: April 23, 2007, 3:43 pm

I don't think this idea is the same as what Muhammad Yunus is doing. He invented a system for poor civilians in third-world countries, so they could receive small ($50-$100) loans.

Maybe I am wrong, but I see this service similar to what prosper.com is doing. The ability to loan money for business ideas. This maybe something that CH wants to do.

Good Luck.

Ragu Posted: April 24, 2007, 12:10 am

I agree with Bluewookie. This business model would be great feature to add to CH. After all of the legalities were addressed and the site had a sufficient amount of members willing to invest anything from lets say up to $50 max, enough members could provide initial to significant start up capital for the idea. There would probably be some securities issues that would need to addressed. I like the idea.

Moogy Posted: April 24, 2007, 9:06 pm

Thanks for the many comments

This an original idea. I do searches before I post new idea.
If I find a similar idea I will comment on it and not repost something similar.

This is not like Muhammad Yunus idea, it's more of a business model.

Thanks for the comments

Keep them coming, any suggestions are also welcome

cwiddicombe Posted: April 25, 2007, 12:25 am

I like this idea because it resonates with everything a seed investor wants in terms of spotting an opportunity. This is probably normally done via existing relationships, but these are always limited to who you know and not what you know.

I am in favour of "investing via a thousand small investors" because as an investor, it reduces the amount you have to commit in one go, and this also allows you to diversify. As a minority shareholder, you are most likely to be along for the ride if you are only providing funding. And hopefully you can add your own skills in your niche area to increase the chances of success (a la Cambrian House).

You could include portfolio tools for investors as well in terms of account management, contact management and reporting tools.

My 'only room for improvement' comment would be that the broker could arguable be taken out of the equation; these are the days of Web 2.0 after all.

Moogy Posted: April 26, 2007, 5:25 pm

I like your comments cwiddicombe

Always room to make the idea better.

I don't see how the broker being taking out is good?
This is just an opportunity for someone to make money off the system.

Could you elaborate?


swestrup Posted: May 11, 2007, 10:21 pm

I like this idea a lot. Both from the point-of-view of someone who may want investors, and someone who would like to spread out the risk with the small amounts of money he does have to invest.

Allan Posted: June 6, 2007, 3:42 pm

I agree, take out the broker, somone making money out of the system means less money in the system the site itself should be the system.

If you want to attract more investors offer shares in the site or an affiliate system that pays out into the recruiter's investment fund.

fozzie Posted: June 7, 2007, 8:43 am

I like it...could I also get your feedback on an idea that is different, but somewhat complimentary?



Moogy Posted: June 7, 2007, 9:41 am


Sure I'm going to check your idea.


My idea doesn't force people to use a broker if don't want one. It is just an other form of user revenue making.

Not all people know how to invest their money...


TheGuru Posted: June 7, 2007, 9:00 pm

One problem would be transaction costs. If not using CH bucks, how does one get REAL money into this thing? Paypal? VISA? Bank transfer? All these cost money, and if I want to contribute only 10 cents, then I'm out of luck, since the VISA transaction will cost ~someone~ between 40 cents to a buck or up to 4%. Ditto for paypal. Our real world still does not have a micro payment system, so it would require you to deposit larger sums and perform your own microtransactions on those sums. The moment you do that, you've become a bank and must follow federal regulations, ie all account holders must be legally identified, be within your country etc.

Moogy Posted: June 8, 2007, 7:06 am


Thanks for the input.
I also know that you would need to transfer money. I was thinking of a transfer of 5$ minimum to your account. Use some sort of service like ING Direct uses, when I transfer from my bank account to my ING account and back... I have no fees.

If this need to be run like a bank... Then I would more knowledgeable help to refine the idea.

Can anyone Help?


cynthia_dimaria Posted: June 10, 2007, 10:31 am

Well i am a investor and that would be great to invest in micro startups,pre ipos.I dont think the transaction fees would matter since my investment funds are being applied to the investment and not the brokers commision.Also my investment projection figures would be on a higher percent . Eliminate the broker is the hook....this could be big.

saigon Posted: June 11, 2007, 9:03 pm

been done already but not on the web...but alot of trhift bank do this putting in on website will not do much help bec universal bank would not get interested...too risky for the VC...and the scope would be too big to manage except i fyou try thisb regional basisor certain states perhpas it would be controlled better.

elRobbo Posted: June 13, 2007, 9:02 am

I like it


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