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Together we fund the future

Crowdfunding for entrepreneurs and investors that want to contribute to positive change. Our entrepreneurs provide an appealing financial return. With your investment, they can take the next step forward.
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Frequently Asked Questions (FAQ)

About crowdfunding

How it works

Projects

Funding goal and delivery date

Investment and risks

Subordinated Convertible Loan

Payment options and giftcard

Support

What is crowdfunding?

Crowdfunding is a way of funding which sees a large group of people (the ‘crowd’) individually investing sums of money (these may be very small sums). Put together, this results in an amount with which a project or enterprise can be funded. Crowdfunding started in the United States and is a rapidly growing alternative to securing loans from banks or large investors.

HOW DOES ONEPLANETCROWD ASSESS PROJECTS AND ENTREPRENEURS?

All entrepreneurs follow the approval procedure: Oneplanetcrowd considers it its duty to assess the entrepreneurs and their projects before they are published online on the crowdfunding platform. If a project application is found suitable to be published on Oneplanetcrowd an assessment interview will be conducted with the entrepreneur in the case that the entrepreneur wishes to secure a (convertible) loan. The entrepreneur will be asked to supply the following documents and information: For all types of crowdfunding:

  • Proof of identity. A copy hereof is requested in order to ascertain the entrepreneur’s identity.
  • Chamber of Commerce (Kamer van Koophandel, or KvK) registration number. This is to determine whether the organisation is registered and whether the entrepreneur is legally entitled to represent the organisation.
  • Office for Credit Registration (Bureau Krediet Registratie, or BKR) listing. This will show any record of outstanding payments or credit repayments in the name of the entrepreneur.
  • The project page which will eventually be published online, with the entrepreneur video and the different investment buttons, is reviewed by Oneplanetcrowd for clarity, transparency and completeness.
  • The buyer and/or loan agreements entered into by entrepreneur and crowdfunder upon investment in the project are drawn up by Oneplanetcrowd and then submitted to the entrepreneur for approval prior to online publishing.
Additionally, for a rewards/donation campaign:

  • Budget including all fixed and variable costs necessary to be able to deliver to the crowdfunders.
Additionally, for (convertible) loans:

  • Certificate of Good Conduct.
  • Financial prospectus. Historical data (including annual report and recent balance sheet) and projections of results and returns expected in the future.
  • Business plan. Starting entrepreneurs wishing to obtain a subordinated convertible loan from the crowdfunders must turn in a business plan.
  • Evaluation of the financial prospectus is carried out by experienced business analysts at Start Green Capital. The prospectus must forecast - insofar as can be reasonably projected - that the enterprise will be able to meet its future obligations to the crowdfunders.
Once the approval procedure and signing of the project agreement between entrepreneur and Oneplanetcrowd have been successfully completed, the entrepreneur’s project is published online.

DOES ONEPLANETCROWD GIVE ANY GUARANTEES?

Investing in crowdfunding projects on Oneplanetcrowd entails risks. Oneplanetcrowd makes the utmost effort to publish online only legitimate crowdfunding projects which are expected to succeed, but offers no guarantees that entrepreneurs will actually (be able to) meet their obligations. Despite Oneplanetcrowd having verified certain information, Oneplanetcrowd in no way guarantees that no mistakes or errors were made, or that the plans contain no inaccuracies. Plans are based on future projections, which by definition contain risks and uncertainties. Read more about risk profiles of each type of crowdfunding here.

IS ONEPLANETCROWD UNDER THE SUPERVISION OF THE FINANCIAL MARKETS AUTHORITY (AUTORITEIT FINANCIËLE MARKTEN)?

Oneplanetcrowd has been granted dispensation to act as ‘broker in redeemable funds’, as referred to in section 4:3 of the Financial Supervision Act (Wet op het financieel toezicht, or Wft) and is registered under the number 19000021 . This means that Oneplanetcrowd is allowed to be intermediary in the provision of loans by consumers to entrepreneurs and organisations. Therefore Oneplanetcrowd will never provide loans to private individuals.

Dispensation to act as ‘broker in redeemable funds’ – strictly means that – the platform is not continuously supervised by the Financial Markets Authority (Autoriteit Financiële Markten). But because the Financial Markets Authority wants to monitor the developments in the crowdfundingsector closely, Oneplanetcrowd reports to the supervisor twice a year, amongst others on the scale/size of the organization.

DOES ONEPLANETCROWD GIVE ADVICE?

Oneplanetcrowd does not give investment advice. The profiles presented on the website are expressly not recommendations on the part of Oneplanetcrowd to grant money. The investor will form his or her own judgement, optionally with the help of his or her own adviser.

IS ONEPLANETCROWD FOR-PROFIT?

Yes. Our guiding principle and purpose is to enable sustainable and social innovation together with investors and to support promising entrepreneurs. We need not depend on subsidies because we work with entrepreneurs who recognise the value of our services and are prepared to pay for them (see also: costs of Oneplanetcrowd). This makes us for-profit, just like most of the entrepreneurs we want to support. We do run pro bono campaigns from time to time, like our 2013 Christmas campaign with the Red Cross to help victims of typhoon Haiyan in the Philippines.

WHAT DOES ONEPLANETCROWD DO WHEN AN ENTREPRENEUR DOES NOT FULFILL THEIR OBLIGATIONS?

It is important to realise that, once funding has been completed, the obligation of properly utilising this funding lies with the entrepreneurs and that legally enforcing this obligation can only be done by the crowdfunder, who is the counterparty in the agreement with the entrepreneur. Oneplanetcrowd was an intermediary in the process, and not formally a party. It has no direct legal means to for instance force the entrepreneur to pay interest and repayments, or have these paid on their behalf. We do believe that Oneplanetcrowd has a duty of care, which involves monitoring whether the obligations to the investors are being met. The first thing Oneplanetcrowd does in order to fulfil this duty of care is to closely track which obligations have to be met by the entrepreneurs, and when. If Oneplanetcrowd determines that obligations are being met too late, only partially or even not at all, Oneplanetcrowd will enter into a dialogue with the entrepreneur in order to discuss if and how this can be resolved. Oneplanetcrowd will also ensure that the investors are informed of this. If the obligation has still not been met by the entrepreneur six months after the agreed-upon delivery date or repayment date, Oneplanetcrowd will investigate whether this is a case of ‘unreasonable failure to comply’ through talks with the entrepreneur. If this is found to be the case, Oneplanetcrowd, together with a qualified lawyer, will enable the aggrieved crowdfunders to make contact with each other in order to organise themselves to take legal steps together. The costs of this collective legal action fall upon the crowdfunders. Because the legal expenses are borne by the ‘crowd’, the amount per crowdfunder is expected to be low. Adding to this, an entrepreneur can usually ill afford a large group of customers speaking badly of his or her company. We therefore expect the last resort of collective legal action to have the desired effect. However, there is of course no way of guaranteeing this. ‘Unreasonable failure to comply’ includes fraud, deception, error or wilful neglect. If the crowdfunding project is unsuccessful due to force majeure and/or because it was found to be technically/commercially impossible to fulfil obligations, this is expressly not a case of ‘unreasonable failure to comply’. Technical and commercial risks are after all risks which the investor has to take into account expressly when entering into funding. Force majeure also includes illness and death.

HOW DO I SUBMIT A PROJECT?

See the page ‘Start a crowdfunding project’

WHAT ARE THE CONDITIONS A PROJECT MUST MEET?

See the page ‘Start a crowdfunding project’

WHAT ARE THE COSTS OF PUBLISHING A PROJECT ON ONEPLANETCROWD?

Once your project has been approved and you are satisfied that we can help you achieve your funding goal, we charge the following costs:

  • A publishing fee of €200 (excluding taxes) plus 1% of the funding goal. This fee is charged for the administrative work involved in publishing the crowdfunding project on our website. Entrepreneurs raising funds through a loan or convertible loan (whereby a professional business analyst conducts an extensive financial analysis) will be charged €450. These entrepreneurs do not pay a publishing fee.

  • When you reach your funding goal you will pay a success fee of 7% of the total amount raised, plus taxes.

  • The transaction costs charged by our payment partner Buckaroo are only passed on to the entrepreneur, without mark-up, if the campaign is successful. The entrepreneur will receive a specification hereof. The costs per transaction depend on the payment method chosen by the crowdfunder:

    • iDeal - €0.50
    • Bank transfer - €0.35
    • One-off Direct Debit - €0.40
    • SOFORT Banking - €0.25 + 2% of amount invested (with a minimum of €0.45)
If the funding goal is not reached, Oneplanetcrowd will cover the transaction costs and you will only pay the publishing fee. This means that we share the commercial risk of reaching the funding goal.

HOW CAN I SUPPORT A PROJECT?

You can give the entrepreneur additional support by activating your network. Do you know of any potential buyers, partners or customers for the entrepreneur? Do you know any other potential investors? Do you have ideas about how to increase the entrepreneur’s success? Share your network, your knowledge and experience with us and share in a project’s success!

HOW WILL I BE KEPT UP TO DATE OF A PROJECT IN WHICH I HAVE INVESTED?

The entrepreneur will send regular email updates about the crowdfunding project during the crowdfunding campaign. After logging in, you can sign up for these updates on the project page in question. Did you invest in the project? Then you will be signed up automatically. Soon after the end date, the crowdfunders will be informed whether the funding goal has been raised successfully. The entrepreneur will keep sending updates until all obligations to the crowd have been fulfilled. The entrepreneur has accepted the obligation, in the agreement with Oneplanetcrowd, to email the crowdfunders an update at least once every six months, until the promised product has been delivered, the repayment of the loan has been completed and/or the loan has been converted into share certificates. This update contains a short description of the current state of affairs of the enterprise. The entrepreneur also has to notify crowdfunders as soon as it becomes apparent that delivery or repayment will be delayed.

CAN I BE KEPT UP TO DATE OF OTHER PROJECTS?

Yes, you can. When you are logged in, there will be a button on each project page which will allow you to sign up for updates. Once you have signed up, the entrepreneur will send you regular email updates.

HOW CAN I ASK QUESTIONS ABOUT A PROJECT?

The best way to ask questions about a project is to leave a comment on the project page. You can leave a question under the heading “comments”, which the entrepreneur can then personally answer.

WHAT IS THE FUNDING GOAL?

This is the amount set beforehand by the entrepreneur as the minimum total sum to be raised by the crowd. This amount has to be invested in the project by all the crowdfunders together within the set time limit, usually a period of between 1 and 3 months.

WHAT HAPPENS WHEN THE FUNDING GOAL IS REACHED?

The entrepreneur will first be asked to sign a statement which states, among other things, that the entrepreneur is still the legal representative and that the principles and assumptions of the presented financial prospectus still stand. An enquiry is also made as to whether entrepreneur is still on schedule and the products and/or services will be delivered within the agreed-upon time limit, and/or whether the promised return or conversion right is still realistic. If both issues are in order, the funded amount will be deposited into the entrepreneur’s account. If either issue is not in order a solution will be sought, the investors will be notified and, in the worst case, the money will be refunded to the investors.

WHAT IF THE FUNDING GOAL IS NOT REACHED?

Crowdfunders will be notified hereof, and the investment will be refunded to the crowdfunders by Oneplanetcrowd within 10 working days.

CAN THE FUNDING GOAL BE EXCEEDED?

Yes. Oneplanetcrowd allows continued investment after the minimum funding goal has been reached, for as long as the crowdfunding campaign is ongoing. An entrepreneur can however indicate a maximum number of products in stock , and/or a maximum loan amount. The latter is set by the business analyst assessing the project prior to it going online. Oneplanetcrowd of course hopes that funding goals are far exceeded and that all maximum product numbers and loan amounts are reached!

HOW LONG DOES THE ENTREPRENEUR HAVE TO RAISE FUNDING FROM THE CROWD?

The crowdfunding campaign of a project on Oneplanetcrowd runs for a period chosen by the entrepreneur, usually between 1 and 3 months.

WHAT DOES IT MEAN TO RUN A CROWDFUNDING CAMPAIGN AS AN ENTREPRENEUR?

Running a crowdfunding campaign means that, with the help of others, you are able to mount a (marketing) campaign for your crowdfunding project and are willing to activate your own network (business, friends, family) to raise capital. An affinity with (consumer) marketing will greatly contribute to your success. It is key for you to have built up a group of followers/community via online social media. The larger this group, the greater the chance of success of your crowdfunding campaign. Experience shows that when an entrepreneur draws on his or her own ‘crowd’, combined with the registered investors of Oneplanetcrowd, the campaign has a much greater chance of success. As a result, Oneplanetcrowd has a success rate of 70% of published projects.

WHERE IS MY MONEY WHEN I HAVE INVESTED IN A PROJECT BUT THE MONEY HAS NOT YET BEEN TRANSFERRED TO THE ENTREPRENEUR?

In the time between the crowdfunder making the investment and the minimum funding goal being reached, the crowdfunders’ money is in a Third Party Account of our independent payment partner Buckaroo. This impartiality means that, in the case of bankruptcy of one of the parties involved, the funds remain safely parked and remain the property of the party having transferred the money - i.e. the crowdfunder - during the running time of the crowdfunding campaign.

HOW LONG WILL IT TAKE TO RECEIVE THE PRODUCTS?

By clicking on a funding button (on the right-hand side of each project page) you can see when the entrepreneur expects to be able to deliver the product or the service. This information is also in the investment agreement between crowdfunder and entrepreneur.

HOW DO I INVEST?

See the page ‘Crowdfunding in 3 steps’

IS THERE A MINIMUM OR MAXIMUM FUNDING AMOUNT?

Yes, the entrepreneur will generate funding buttons for different amounts, and will assign an amount to be invested to each button. Oneplanetcrowd encourages entrepreneurs to give crowdfunders a range of possible amounts for investing, starting from a small amount.

WHAT IS AN INVESTMENT AGREEMENT?

This is the agreement entered into between you, the crowdfunder, and the entrepreneur the moment you make an investment. It includes all the funding terms and the entrepreneur’s obligations to you.

WHAT ARE THE RISKS? IS THERE A CHANCE I MIGHT LOSE MY INVESTMENT?

Yes. Investing in crowdfunding projects entails risks and is similar to investing in general. There is a risk of the entrepreneur unexpectedly being unable to fulfil obligations, for instance in the case of bankruptcy or due to force majeure, for instance because the technical aspect of the innovation ultimately fails. Read the comprehensive risk profiles of the types of crowdfunding here.

WHICH FORMS OF INVESTMENT ARE POSSIBLE ON ONEPLANETCROWD.COM?

Oneplanetcrowd offers four types of investment:

  • Loans
  • Subordinated convertible loans
  • Rewards
  • Donation
Read more detailed information about each type of crowdfunding here.

WHAT IS A SUBORDINATED CONVERTIBLE LOAN?

The subordinated convertible loan offers crowdfunders the option of converting their loan into shares at a later date, and thus becoming co-owner of a potentially rapidly growing company. This also creates the chance of a high return. The subordinated convertible loan is a loan which incorporates the right of converting the loan into share certificates in the company at a later date. The total duration of the loan is five years. Read detailed information about the subordinated convertible loan and its risks here.

WHAT DOES SUBORDINATED MEAN? WHY IS THE CONVERTIBLE LOAN SUBORDINATED?

Subordinated means that, in the case of bankruptcy of the enterprise, all other parties owed money by the enterprise will be paid back first. In the subordinated convertible loan agreement the crowdfunders are subordinated to banks. According to Dutch law the Dutch Tax Authorities, employees and trade payables always take priority over lenders in the case of bankruptcy, but the subordination also gives priority to banks. Oneplanetcrowd and the enterprise have chosen this construct because obtaining bank loans would be difficult without this subordination. These bank loans will often be essential at some point to allow the enterprise to continue growing. In practice, this means that, if the enterprise were to go bankrupt, it will most likely not be possible to repay those who invested in the subordinated convertible loan.

WHY DOES ONEPLANETCROWD OFFER THE OPTION OF SUBORDINATED CONVERTIBLE LOANS INSTEAD OF DIRECT EQUITY?

The reason we have structured the option of becoming shareholder in a company in the form of a loan is because this delays the valuation of the enterprise, and with this the assessment of the share price at which you can become shareholder, until such a time that this can be determined more effectively. This is because the share price depends on the value of the company, which is very difficult to ascertain for a growing enterprise. The only way the market conformity thereof can really be assessed is by means of an actual market transaction. This is similar to the market price of a house: the real market value will only be known upon sale/purchase. For companies, we see that the purchase of shares by an independent investor forms a market transaction, and your share price can thereby be determined. The crowdfunder who has granted a subordinated convertible loan then receives a discount on this share price varying between 15%-30%, because you, the crowdfunder, came on board at an earlier stage. The only case in which no discount is offered is if conversion takes place within two months of completion of the crowdfunding campaign.

WHAT IS THE RISK OF INVESTING IN THE SUBORDINATED CONVERTIBLE LOAN?

The risk involved in investing in the subordinated convertible loan is high. Read the information about risks of the subordinated convertible loan here.

THE SUBORDINATED CONVERTIBLE LOAN CARRIES A HIGH RISK. WHY SHOULD I INVEST?

With the subordinated convertible loan the enterprises on Oneplanetcrowd provide the possibility of simultaneously contributing to the sustainable objectives of the enterprises and the chance of a high return on a high-risk investment. The subordinated convertible loan gives small investors the option of converting the loan into share certificates in the enterprise. This will be possible when a substantial investment is made by a professional investor, which is expected during the duration of the loan. Crowdfunders can then convert under the same terms and at the same valuation, and are moreover given a discount on the share price. Small investors can hereby rest assured that the price for certificates upon conversion of the subordinated convertible loan will be determined by an independent professional party. Considering the early stage of development of the enterprises and the risks associated with the investment, professional parties will in all likelihood set (very) high requirements as to the expected returns.

WHEN CAN I CONVERT MY SUBORDINATED CONVERTIBLE LOAN INTO CERTIFICATES?

The loan can be converted into certificates when a professional investor invests a substantial amount in the enterprise. The enterprise will then provide detailed information to all holders of a subordinated convertible loan about the terms under which the loan can be converted. Holders of the subordinated convertible loan will have one month to decide whether or not to convert their loan into certificates. After this month, the right to convert the loan into certificates expires. If the enterprise were to fail to attract such a professional investment within the first three years of the loan being granted, an independent expert will then determine the market price per certificate for conversion.

AM I OBLIGATED TO CONVERT MY LOAN INTO CERTIFICATES IN THE CASE OF A SUBORDINATED CONVERTIBLE LOAN?

No. The holders of the subordinated convertible loan have the right to convert their loan into certificates, but are not obligated to do so. If they decide not to convert, the enterprise is still obligated to repay the loan holders. This repayment can take place either in bullet form, meaning all at once at the end of the duration of (usually) 5 years, or in linear form, from the moment of conversion to the end of the duration.

CAN THE TRUST FOUNDATION (STICHTING ADMINISTRATIEKANTOOR) SELL THE SHARES TO WHICH I AM ENTITLED THROUGH MY CERTIFICATES?

No, with one exception. If an independent party makes an offer on all outstanding shares of the enterprise (meaning not only the shares managed by the Trust Foundation (Stichting Administratiekantoor) but also all other shares in the enterprise), a group of shareholders holding at least 70% of all outstanding shares can obligate the managing board of the Trust Foundation (Stichting Administratiekantoor, or STAK) to accept this offer on behalf of all certificate holders. This can only be done if the price for shares managed by the Trust Foundation (Stichting Administratiekantoor) is equal to the price paid for the other shares.

WHAT IS A CERTIFICATE IN A STAK?

A Certificate is similar to a share in the company, with the difference that Certificates grant no voting rights in general meetings of shareholders of the company. A certificate in the company is issued by the Trust Foundation (Stichting Administratiekantoor, or STAK) and is coupled to an underlying share which is held by the Trust Foundation (Stichting Administratiekantoor). All financial gains of the underlying shares fall to the certificate holder. The managing board of the Trust Foundation (Stichting Administratiekantoor) exercises the voting right of the underlying shares. It will be determined how many certificates will be issued per underlying share. This can for instance be in a ratio of 1 share to 1 certificate or 1 share to 100 certificates.

CAN I SELL MY CERTIFICATES WHENEVER I WANT TO?

Yes. There are no restrictions on the sale of certificates, and no notarial deed is needed for the sale of certificates. Buyers and sellers of certificates must however notify the Trust Foundation (Stichting Administratiekantoor, or STAK) about the transfer of certificates.

CAN I BUY ADDITIONAL CERTIFICATES IF I WANT TO PREVENT DILUTION?

Yes. If you have certificates after conversion and new shares are issued at a price below the price for which you purchased your shares, you have the right as a regular shareholder to buy additional shares in order to maintain your share.

DO I HAVE TO REPORT MY INVESTMENTS IN (CONVERTIBLE) LOANS TO TAX AUTHORITIES (BELASTINGDIENST)?

Yes, loans to third parties are part of equity and must be reported in Box 3 when completing your tax return.

WHAT ARE THE PAYMENT OPTIONS FOR INVESTING?

At this time, payment is possible using iDeal, bank transfer, one-off direct debit, SOFORT banking, and using a Oneplanetcrowd gift card.

DO YOU CHARGE TRANSACTION COSTS? WHO PAYS THESE COSTS?

Yes, our payment partner charges costs to carry out payment transactions. When a project is successful, the entrepreneur pays the transaction costs. If a project does not reach its funding goal, Oneplanetcrowd pays these costs. Transaction costs are thus not passed on to crowdfunders.

MY PAYMENT DID NOT GO THROUGH, WHAT DO I DO?

If your payment has not gone through, we kindly ask you to refresh your Internet page and complete the steps one more time. Make sure you enter the correct information. If your second attempt is also unsuccessful we ask you to please let us know by email (info[at]oneplanetcrowd.nl). If possible, please attach a screenshot of the page so that we can assist you as efficiently as possible.

WHY DOES ONEPLANETCROWD DEBIT MY ACCOUNT BEFORE THE CROWDFUNDING CAMPAIGN HAS BEEN SUCCESSFULLY COMPLETED?

If we wait to collect direct debits until after completion of the campaign, it is almost certain in a large ‘crowd’ of people that some of the money cannot be withdrawn from the bank accounts provided. This chance increases as the investment amounts increase, for instance in the case of loans and convertible loans. This is why we choose to debit the money immediately and park it safely in a Third Party Account.

WHAT IF I HAVE A DIFFERENT QUESTION OR A COMPLAINT?

Send your question or complaint to info[at]oneplanetcrowd.nl. You will receive a reply within three working days. We will answer your question or describe the steps we will take to resolve your complaint as effectively as possible.

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