Can I invest in companies if I am not “Accredited”?

As of June 19th, 2015, non-accredited investors have been given the option to participate in a private equity exemption known as Regulation A+. This is thanks to Title IV of the JOBS Act which allows any US citizen to participate in a Reg A+ offering (otherwise known as a "Mini-IPO") which can be accessed through online equity crowdfunding platforms that support Reg A+ investments. Reg A+ investment opportunities are generally used by larger and more stable businesses and can raise up to $50,000,000.

Additionally, as of May 16th, 2016, non-accredited investors have been given the option to participate in a private equity exemption known as Regulation C. This is thanks to Title III of the JOBS Act which allows any US citizen to participate in a Reg C offering (otherwise known as a Regulation Crowdfunding Offering) which can be accessed through online equity crowdfunding platforms that support Reg C investments. Reg C investment opportunities are generally used by early stage companies and can raise up to $1,000,000.

If you do not qualify as an "Accredited" investor, you will face an annual limit of 10% of your net income or assets as a legal restriction for Regulation A+ deals. Regardless of whether you qualify as an "Accredited" investor, you will face an annual limit of either your net income or assets as a legal restriction for Regulation C deals. You will need to calculate which is the lesser of the two and if it's under $100,000 you have a restriction of 5% of that number to invest, or if it is greater than $100,000 you have a restriction of 10% of that to invest. Everyone has a minimum of $2,000 that they can invest. InvestReady will help you stay compliant as you invest across different platforms on the web as well as bring you deals that you qualify for to you!