StartEngine

The majority of offerings on StartEngine are common stock, but some companies raise capital through convertible note, debt, and revenue share. You can invest in companies from all kinds of industries.

With Regulation A+, a non-accredited investor can invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000, are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, the investor is limited to investing 10% of the greater of the two amounts. There are no restrictions for accredited investors.

Anyone over 18 years of age can invest on StartEngine. However, if you are younger, a parent could invest in your name by setting up a UTMA or trust. Currently, StartEngine is not accepting investments from UK or Canadian investors, except for accredited UK investors.

If a company does not reach their minimum funding goal, all funds will be returned to the investors within 10 business days after the closing of their offering.

Many offerings on StartEngine are completely free for investors, as StartEngine makes its money by charging fees to the company raising money. However, companies can opt to offset those costs by having investors pay a percentage in the form of a processing fee, typically 3.5%. Additional fees may apply for wire transfers.

StartEngine asks for your Social Security Number due to anti-money laundering regulations and fraud checks. The information is securely transmitted using Transport Layer Security (TLS) protocol.

StartEngine accepts four forms of payment: Automated Clearing House (ACH), Credit Cards, and Wire Transfer. International investors can only pay through Credit Cards or Wire Transfer.

The StartEngine Venture Club is a bonus granted to certain StartEngine shareholders that allows them to earn a 10% bonus when investing in companies on StartEngine.