I can invest with confidence in credit-worthy businesses in my own community.

Investor Tool

Use the Investor Tool below to help you estimate the amount you are permitted to invest over the course of the year under SEC Regulation Crowdfunding rules.

If your annual income or net worth is less than $100,000, you can invest up to the greater of either $2,000 or 5% of the lesser of your income or net worth. if both your annual income and your net worth are more than $100,000, you can invest up to 10% of the lesser of your income or net worth but not more than $100,000.

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How much am I allowed to invest?

Estimated Crowdfunding limit per year for all portals $0.00

The law limits how much you may invest and you must comply with your annual investment limits.

What's my risk?


Businesses are subject to a certification process before they are cleared to post a loan on the Funding Wonder Loan Exchange. A credit assessment team collects comprehensive background information and analyzes historical performance. You can view full business profiles for loans posted in the Funding Wonder Loan Exchange and make a decision about the type of company you would like to invest in and your risk profile. LEARN MORE

Investing Tips

While investing in small business loans may bring rewards, it also carries risks. These tips can help you determine if a crowdfunding offering is right for you.

Ask yourself if you can handle the risk and the potential loss of your investment.

Both are real possibilities when it comes to companies that issue securities using crowdfunding. The venture may not succeed. Small businesses can and do fail. You should be able to afford, and be prepared to lose, your entire investment. If you are risk-averse, are just starting to invest, have only a little money to invest, or may need the money in the short term, crowdfunding investments likely are not for you.

Read and understand the educational and financial information, and all disclosures, provided by the issuer and Funding Wonder.

If you are working with a financial professional, or seeking information over Funding Wonder's communication channel, ask direct questions about the investment, including worst-case scenarios. It's also a good idea to seek a second, or even third, opinion especially when it comes to highly speculative investments. This might include checking with an accountant who understands financial balance sheets and likely has no vested interest in the investment.

Recognize that fraud is a possibility.

As with all investment opportunities, the possibility of fraud is real. Protect yourself by understanding the tactics a fraudster might use—and how to avoid them. As noted above, check out investment professionals using BrokerCheck and go to FINRA's Funding Portals Web page. Under Regulation Crowdfunding, offerings must be conducted through a registered funding portal such as Funding Wonder. A basic Internet search is also valuable. Proceed with caution if you turn up legal or regulatory concerns about company officials, or news reports that raise other red flags.

Revisit your financial goals.

Setting clear, prioritized goals—each with steps to achieve the goal, a price tag and a time frame—will help guide your investment approach, including whether crowdfunding offerings have a place in your portfolio. Basic strategies such as asset allocation and diversification can help manage risk and make sound investment decisions.

Frequently Asked Questions

Q: What is Regulation Crowdfunding?

After the enactment of the Jumpstart Our Business Startups Act of 2012, the SEC was tasked with adopting rules to facilitate capital raising by small businesses while providing significant investor protections. Regulation Crowdfunding or Regulation CF enables individuals to purchase securities in crowdfunding offerings subject to certain limits, requires companies to disclose certain information about their business and securities offering, and creates a regulatory framework for the intermediaries facilitating crowdfunding transactions.

Q: Where is my money held?

For each Loan, an escrow account will be set up to hold funds during the bidding process. This escrow account will be closed at the end of bidding with funds transferred either to the Company or returned to investors.

Q: Do I have to be an accredited investor to invest on Funding Wonder?

You must be 18 years or older and you will be subject to the rolling twelve month investment limitations of Regulation CF.

Q: Are there any restrictions on my ability to transfer my investment?

Any securities issued in an offering conducted under Regulation Crowdfunding are subject to a one-year restriction on transfer, unless such transfer is made: (i) to the issuer of the securities; (ii) to an accredited investor; (iii) as part of a registered offering; or (iv) to a family member of the purchaser or certain trusts. The promissory notes issued by companies using our funding portal may contain additional restrictions on transfer. Investments on Funding Wonder should be viewed as illiquid investments meaning you cannot sell the securities quickly and there may be no market for the investments when you are able to resell.

Q: How much can I bid?

You are subject to certain limitations to balance the risk that typically comes along with small business lending.  Specifically, SEC regulations limit the amount individual investors may invest across securities offered under Regulation CF over a trailing 12-month period.  The limitations are as follows:
If the investor’s annual income or net worth is less than $100,000, then an investor may invest the greater of:

  • $2,000 across all securities offered under Regulation CF over the trailing 12-month period and
  • 5% of the lesser of their annual income or net worth across all securities offered under Regulation CF over the trailing 12-month period.

If the investor’s annual income and net worth are at least $100,000, then an investor may invest the lesser of:

  • 10% of their annual income across all securities offered under Regulation CF over the trailing 12-month period and
  • 10% of their net worth across all securities offered under Regulation CF over the trailing 12-month period.

Furthermore, for any 12-month period, the aggregate amount of securities sold to an investor through all crowdfunding offerings may not exceed $100,000.

The table below, which was provided by the SEC, provides examples of an individual investor’s aggregate investment limits in any 12-month period.

Investor Annual Income Investor Net Worth Calculation Investment Limit
$30,000 $105,000 Greater of $2,200 or 5% of $30,000 ($1,500) $2,200
$150,000 $80,000 Greater of $2,200 or 5% of $80,000 ($4,000) $4,000
$150,000 $107,000 10% of $107,000 ($10,700) $10,700
$200,000 $900,000 10% of $200,000 ($20,000) $20,000
$1,200,000 $2,000,000 10% of $1,200,000 ($120,000), subject to cap $107,000

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