When you talk about the value or value proposition that a service or product brings to society, it refers to that message that communicates and closes in it with the objective of solving a problem or satisfying specific needs. Identified the business opportunity that solves the problem will have many more chances of success if it is also innovative and differentiated.
The real estate crowdfunding is innovative and differentiated and solves at least two problems and double-sided.
Remembering that this type of crowdfunding is investment, you can give two assumptions, debt or equity crowdfunding. If we talk about debt crowdfunding on the one hand, this facilitates financing by making it faster, more transparent and cheaper that borrower who wants to make an investment, whether buying, rehabilitation or new construction, disregarding the traditional banking and walking towards that longed for unbanking of the sector. On the other hand, face the lender reporting the capital invested plus their agreed, fixed and / or variable interests. This is also known as crowdlending.
If it is equity crowdfunding, it differs from the debt in that investors here participate in the real estate business, acting not just as mere lenders. There is a double advantage here. The first for the sponsor or sponsor of the real estate business for the same reasons mentioned above for debt crowdfunding and the other for investors who can benefit from having the possibility of making their savings profitable from small amounts previously unthinkable, in addition to being able to diversify into different assets. The technological platforms are the umbilical cord that make possible the connection between promoters and investors.
Now, every real estate business has an end consumer, that user who enjoys the real estate property of whatever kind, who ends up buying it or renting it to live or perform an activity in it. And to them it is to whom has to arrive the differentiation of the value proposition that contributes the real estate crowdfunding.
It is not only about generating value for promoters and investors and for the platforms, but it has to reach society.
To understand it I give an example:
Case study: Ruined spa resort of mineral-medicinal hot springs.
Imagine a ruined seaside resort with mineral-medicinal springs that have proven beneficial properties for health, once used as such, and where people came from all over to treat their rheumatic, skin, liver, ect. .. located in an idyllic spot in the middle of nature.
Let's start the crowdfunding real estate:
The current owners are willing to undertake an equity crowdfunding for the rehabilitation and commissioning for the exploitation by third experts in the spa business. If crowdfunding is successful, we have:
To the owners happy to see their spa alive again, participating in addition to the dividends that come from renting the property quota they have agreed to stay, and sharing it with investors who are happy to see their investment return via rental of facilities. In addition, it produces an economic activity for the operating company while generating employment.
And finally, it gives value to the society contributing to the improvement of its health.
This and no other, should be the value proposition of a good real estate crowdfunding.