This round is no longer accepting investments, but hundreds just like it are live now.



P2P Microloans for America's New Middle Class

Hundy helps people get loans and deposit advances of up to a few hundred dollars from the people around them via a friendly, mobile-only app. What makes Hundy unique is the loyal community it has built around those who share and celebrate their good character, a key component of creditworthiness that has been lost in the age of FICO.

This Reg CF offering is made available through StartEngine Capital, LLC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment.

$96,591.34 Raised


10,000+ originations on volume of $1.1M

Now in 9 states, and expected to be in 18 by Jan 2021, with a 61% compounded monthly growth rate for new state originations over the past quarter

Consistently ranked by Apple in the App Store’s top 200 Finance apps - currently charting at #119

A unique approach to P2P lending

We have brought to life a unique approach to peer-to-peer lending that enables non-accredited investors to get back in the game. We have raised over $1 million from 500+ investors who believe in our vision to make small-dollar loans affordable to anyone who’s creditworthy, while turning borrowers into investors. This includes  $225k raised in 2019 and 2020 in two previous crowdfunding campaigns. As we expand across the country, we are looking to further partner with the crowd to help fuel our growth as well as source the capital to provide a much needed financial cushion to America’s new middle class.

Most of the country is living on the edge

In the past three decades, the median household income has risen 14%, while average house prices soared 290% (Wall Street Journal, Aug 2019). Despite the longest economic expansion in US history over the past decade, with wage growth failing to keep up with the rising costs of housing, health care, and college, much of the country feels crushed under the weight of a financial burden. These moments can be terrifying – waiting for a paycheck to arrive just to be able to pay rent, keep the lights on or buy food. And now, due to COVID-19, the situation just got worse for millions more. According to a just-released Federal Reserve study, around 40% of Americans earning less than $40,000 a year lost a job in March 2020 alone. 

This can force people into using debt traps, like payday loans, that charge enormous interest over the first two weeks of a loan or can very quickly bury the borrower by forcing them to pay off one loan with another. Or, they may end up paying bank overdraft fees or late fees, which can be even more expensive. Some may be lucky enough to be able to borrow from friends and family, but that can come with feelings of guilt and embarrassment. On the other side, you may want to lend money to a friend or stranger, but are worried that it won't be paid back. No one wants to be in these situations, but the reality is that they happen, and they are happening ever more frequently in the new reality we now live in.

Reward doing the right thing

Hundy has created a peer-to-peer lending community that rewards good behavior and celebrates those who do the right thing. This mobile-focused community for personal loans allows people to get the money they need quickly without going through back channels or putting themselves into financial peril. Hundy offers a financial cushion to those who are creditworthy but don't have the best credit by traditional measures, while rewarding both borrowers and lenders through a point system that allows them to earn badges and ascend in levels, demonstrating their good character to the community.

With Hundy’s mobile app (available for both iOS and Android), you can get a loan or a deposit advance up to $500 through an account that can be set up in just a few minutes. Borrowers will then receive their funds in just one business day. Hundy borrowers are given 31 days to pay back a loan (or 61 days for an advance), with a 60-day grace period if they’re unable to pay the loan off in the original time given. Throughout this time, there is an open line of communication with Hundy that helps to maintain one’s good status within the community. When users pay back their loans on time, they are given the opportunity to receive larger amounts in the future, and in addition to that, both borrowers and lenders receive points when this happens, which can be used by borrowers towards discounts on loans or earn lenders additional cash back on their investment.  And once a borrower makes it to the top level, Hundy will match their points so they can become a lender at very preferential terms, giving many their first long term investment.

Serving America's new middle class

Over three-quarters of U.S. workers live paycheck-to-paycheck (CareerBuilder survey, January 2019), so the situation was already bleak for our new middle class. Mid-pandemic, per the New York Times, "lines of cars stretch for miles to pick up groceries from a food pantry; jobless workers spend days trying to file for unemployment benefits; renters and homeowners plead with landlords and mortgage bankers for extensions; and outside hospitals, ill patients line up overnight to wait for virus testing." Shown below: People waited in cars for food distribution in San Antonio in early April. “It does underscore the fact that so many people in our country live on a precipice,” a national food bank executive said. (Associated Press)

Given this backdrop, it's no wonder that quick access to affordable cash - even a few hundred dollars - is a must-have for most Americans. According to self-reported survey data collected with each Hundy loan, the number one use of Hundy is to buy groceries followed closely by utilities, a car payment, and help with rent. Over 75% of Hundy's borrowers make less than $60k per year.

Through July 2020, we were lending exclusively in California and have originated over 10,000 loans on volume of $1.1M. We currently have over 1,200 active borrowers and investors in our community. Over 1/3 of borrowers participate in the community, which means they have paid off their loans early or on time and are posting these achievements on the Hundy Hub for everyone to see. In August 2020, we began a geographic expansion by tapping into our nationwide waitlist (currently over 250,000 users), and by early Q1 2021 we should be in 17+ states.

An ecosystem with network effects

On the demand-side of the marketplace, we’ve built a community of borrowers who are looking to benefit from their good character and reliability. On the supply-side, Hundy accepts accredited and non-accredited investors who pool their money together to lend to our borrowers. We incentivize both sides of the marketplace for posting and celebrating their achievements as well as encouraging all to do the right thing.


In our hybrid, two-sided marketplace model, Hundy is the lender of record, loaning money to first-time borrowers at a cost about half of what a typical payday lender charges (177% APR during the initial 31-day term), which then drops to 60% if the term is optionally extended to 90 days (we also have a new, interest-free deposit advance product with a 61-day term that is paid for by recipient via an optional donation).  Over time, due to the unique data produced by our growing community along with our proprietary AI approval models, our underwriting will improve, which should allow us to reduce our default rate while increasing the approval rate of quality applicants. Finally, both top-rated borrowers and lenders  have the opportunity to own a piece of the company incentivizing viral promotion as the company continues to grow. Once we get these three flywheels working in concert, we'll have a powerful engine for growth.

Momentum since the last crowdfund

We couldn't have been more pleased to have added over 450 new investors to the Hundy community  during our two raises with StartEngine over the past year. This has created some great momentum for us as we head into 2021:

  • YoY growth: We doubled loans originated and loan volume and expanded the waitlist by over 50% to over 250,000 users.
  • New growth: We rolled our Deposit Advance product to eight states (with more on the way) achieving a CMGR of 61% over the past quarter.
  • Product: Launched the investor side of the platform in beta with over 25% of our investors sponsoring borrowers and added customer cash flow analysis to our credit model increasing our application approval rate by over 40%.
  • Coming next: In Q1 2021, we anticipate a full release of the investor side of the platform allowing our investors to redeem their points for cash, members and investors to follow each other and over 30 Guru-level borrowers to become investors.

The Numbers (thru November 2020 - except where noted)

  • App installs:  318,829

  • Waitlisted users:  251,629

  • Originations:  10,146

  • Transaction volume:  $1,132,250

  • November gross revenue:  $6,929

  • Trailing 6-month revenue CMGR:  9%

  • Loan payback rate:  90.7%

  • Annual borrower retention rate:  82%

Expanding our reach going forward

To date, our marketing has been focused on organic channels and primarily our ASO (App Store Optimization) efforts. As a result, almost all of our app installs have been sourced from the app stores, of which 90% are iOS and 10% Android. Due to licensing restrictions on small-dollar loans in the US, we have been limited to lending in California, so over 85% of our user acquisition has fallen onto the waitlist. Going forward, our plan to is to expand our available audience via our new deposit advance product, and to tap into that new audience using the following marketing channels:

  • Opening Waitlist: As we enter each new state, we invite people in from the waitlist - in some states, this is tens of thousands of users.
  • Paid Ads: We've spent the past 6 months testing different ad channels and have been able to get one channel down to a CAC (customer acquisition cost) that is at the magic one-third of our CLTV (customer lifetime value). We plan to allocate close to 15% of the proceeds from the raise to advertising on this channel.
  • Android/Mobile Web: At less than 10% of our current customer base, Android users are a clear opportunity for us. Due to restrictions that Google has announced for small-dollar loans, we'll be releasing a mobile web version of our app to give Android users easy access to Hundy.

Hundy has created a unique community

While there are other consumer lending apps focused on non-prime loans of less than a few thousand dollars, Hundy is unique in this category because of its community-centered design. There are three layers to our platform design that each build upon the Hundy community – and the Hundy community is what sets us apart. 


The first layer is a social feed where community members can share their achievements of good character, i.e. paying a loan off early, paying off on time, or paying off after entering the 60 day installment period. Second, with this offering, we are once again opening up Hundy to non-accredited investors by enabling them to purchase a promissory note convertible into Hundy equity with an ability for these investors to sponsor individual members in the Hundy community. They can sponsor anyone, or specifically look for people whose stories and/or background that they identify with. And last, both borrowers and lenders will be given an ownership opportunity in the ecosystem they help to create. This truly gives borrowers a path to financial independence, and lenders a way to help them get there while earning cash back. 

We have passion and experience

At the helm of Hundy is Pete Budlong, a veteran of two-sided marketplaces and mobile marketing platforms including Classifieds2000, Excite, Soundflavor and Yelp. Also leading Hundy is Ram Hegde who has directed engineering teams at both Nokia and Intel. Ram was hired to build the Hundy MVP prior to the founding of the company. He then came on as co-founder to build Hundy’s current platform. Our small, but close-knit team is deeply passionate about expanding financial inclusion to anyone with good character. We believe that rewarding good behavior helps to empower those who need a boost and, by creating a unique two-sided mobile marketplace for loans, we are ushering in an era in which we can say 'goodbye' to predatory lending.

Here's what our customers are saying

I appreciate you guys so very much. Thank you 

- Jose T., Van Nuys, CA on 11/21/20


Thanks for following. Awesome customer service. I’ll invest again because of this experience.  Thank you! 

- Ricardo R., Lake Forest, CA on 8/5/20


I cannot tell you how much of a relief that is thank you so much for being flexible with me and working with me thank you so very much! 😢😢😭😭❤️

- Racheal E., Claremont, CA on 5/16/20


Thank you Hundy happiness team I promise that I will take care of it as soon as I can and pay the balance off and make this right I appreciate you working with me.

- Leah M., Ventura, CA on 4/2/20


Thank you so very much.. I am now able to purchase my insulin from the Walmart Pharmacy. Hundy is truly an incredible service, as I’ve never had such support in the past with other companies..

- Michael D., San Diego, CA on 12/18/19


You guys are honestly life savers !!! You don’t know how helpful this was to me and appreciate it!

- Jose P., Garden Grove, CA on 10/22/19


Appreciate it and so much thanks to you.. and the whole Hundy team!

- Ariel L., Salinas, CA on 10/7/19


Meet our Gurus and Ninjas

Our community is nearly 20,000 members strong, and at the top we currently have 30 Guru and over 100 Ninja borrowers, which are the two highest status levels in the Hundy point system. Once a borrower becomes a Guru, they unlock their ability to become investors on the platform. This will be quite a turnaround for these folks who just a year or two ago were struggling to borrow a few hundred dollars.

P2P lending 2.0 powered by Hundy

The one disappointment of the last decade is the lack of opportunity for individual investors, particularly non-accredited investors.

   — Peter Renton, Co-founder Lendit & Editor

We envision a world in which anyone who is creditworthy has access to an affordable financial cushion from the people around them, particularly non-accredited investors. With the growing financial struggles facing our new middle class, the ubiquity of mobile devices, and the new crowd-based regulatory advancements made available by the JOBS Act, we believe Hundy is perfectly positioned to deliver on our vision as these three major generational shifts come together.

Invest in Hundy

We chose to work with StartEngine because allowing real people, not elites or institutions, to invest in loans via Reg-CF is fundamental to our business model. In addition, equity crowdfunding enables both our borrowers and investors to own a piece of the company giving everyone an opportunity to participate in the business.

The growth of our borrower community based on the sharing and celebration of good character is accelerating. After our first crowdfund offering went live, we added our crowdfund investors to the community for the first time. Shortly after this offering goes live, we'll further link our members and investors together in the community while expanding our geographic reach significantly. Please join us in making this a reality by becoming part of the Hundy community with your investment today!

Quick Insert


45 SW 9th Street, Suite 2810
Miami, FL 33130

Hundy helps people get loans and deposit advances of up to a few hundred dollars from the people around them via a friendly, mobile-only app. What makes Hundy unique is the loyal community it has built around those who share and celebrate their good character, a key component of creditworthiness that has been lost in the age of FICO.


Pete Budlong
Pete Budlong
Founder, CEO & Director of Hundy, Inc.
Pete Budlong is a 3-time entrepreneur and seasoned start-up operator with over two decades of experience at online marketplaces and mobile marketing platforms. He was on the founding team and led business development at Classifieds2000 (acquired by Excite), one of the first two-sided marketplaces on the web. Nearly a decade later, he co-founded Soundflavor (acquired by Ricall), a digital marketplace focused on music discovery. In 2016, motivated by his experience with the lack of access to credit following the Great Recession, Pete founded Hundy. He is the company's full time CEO. Pete believes in giving back and has been the charter donor to two major philanthropic causes: the World Peace Rose Garden at the Cailfornia State Capitol and the "Power of One Lunch with Warren Buffett”. Pete holds a BS in Electrical Engineering from the University of the Pacific.
Ram Hegde
Ram Hegde
Co-Founder & VP Engineering
Ram is dynamic engineering leader with a solid track record of building great engineering teams and delivering innovative solutions in mobile, consumer internet, and open-source software. Previously, he co-founded Clef Software, which delivered educational apps with over 500k installs. Ram's experience ranges from start-ups to large technology companies including Nokia and Intel. After successfully delivering Hundy’s MVP as a consultant, he joined Hundy as a co-founder and runs technology development for us out of our office in Bangalore, India. Ram has his diploma in Computer Science & Engineering from SJ Polytechnic and completed the Executive Management Program at the Indian Institute of Management, both in Bangalore.
Mukesh Gami

Mukesh Gami

Full Stack Engineer

Mukesh started his career working for Ram building the back end of Hundy’s MVP. He quickly demonstrated his versatility by picking up Swift in his spare time, took over all iOS responsibilities, and is now a full stack iOS developer. He is Computer Science graduate of Bharath University in Tamil Nadu, India.
Jessica Burns

Jessica Burns

Marketing Lead

Jessica is an outstanding social media marketer who knows her craft well. As a consultant, she helped us launch our first equity crowdfund raise, which was completed in a speedy two weeks, and has continued to bring value to our ongoing marketing efforts. She also stepped up to help us with customer service and is loved by our customers and partners alike.
Brian Gunn

Brian Gunn

Senior Consultant, Credit Risk

Brian is one of Hundy's earliest investors and supporters. He is an accomplished executive with 15 years of experience leading sales and business development teams while growing financial technology and data & analytics businesses. He heads up our alternative credit and AI efforts.
Claudette Ngai

Claudette Ngai

Senior Advisor

Claudette started with Hundy as a UX design intern and was quickly promoted into product management. She is the consummate team player and the UX ‘true north’ of Hundy. Her design philosophy stresses empathy, critical thinking and adaptability. She has a wide skill set that spans the design process, including user research, interaction design, visual design, usability testing and front-end development.
Nader Nejat

Nader Nejat

Senior Advisor

Prior to the founding of Hundy, Nader was the first guy we tapped to design our mobile-native UX. Instead of just building what we asked for, he started by helping us to develop our product strategy, which is still paying dividends today. He’s a business savvy UX design professional with 15+ years experience delivering exceptional customer experiences.
Shailesh Bhat

Shailesh Bhat

Senior Advisor

Shailesh and Ram were partners in the company that built our MVP, and he played a key role in getting Hundy launched. As Walmart’s Global eComm Director of Product Management, he specializes in creating value through products that solve real customer problems.
Gil Silberman

Gil Silberman


Gil has been our corporate legal advisor, mentor and a voice of reason over the years at Hundy. As Forge’s Co-founder and former Chief Legal Officer, he most recently lead corporate structuring and finance as well as legal strategy for this high growth Silicon Valley startup. He is now the Managing Partner at Luca Ventures.
Paul Soter

Paul Soter


Paul Soter has significant experience gained in government service, at major law firms, and as in-house counsel to a major bank. He helped design our regulatory stack and provides invaluable guidance on financial services, payments, fair lending and consumer crediit.
Diana Hwang

Diana Hwang


Diana was brought on as an advisor to help redesign our products. She designs with clarity and believes that clear communication is key to creating positive experiences. She loves solving pain points by designing intuitive and polished interfaces. We greatly value her guidance as we build products our customers love.
Shantanu Rangnekar

Shantanu Rangnekar


Shant was our first advisor as well as the first lender on the Hundy platform. His teams have been responsible for award winning apps with millions of downloads and millions of dollars of revenue. He is currently the VP of Product Management of Commercial Mobile Banking at Wells Fargo.
Nish Nadaraja

Nish Nadaraja


Nish helped us early on to develop Hundy’s brand voice and community strategy. As the original community manager at Yelp and one of its first employees, he created the Yelp Elite program, published and edited the Weekly Yelp and guided their early brand strategy.
Tom Algie

Tom Algie


Tom provides us with guidance on customer acquisition, anti-fraud technologies, and credit modeling as well as borrower licensing structures. As IDology's National Sales Manager for Consumer Finance, he builds trusted relationships with clients and partners.
Jon Lamb

Jon Lamb

Founding Investor

Jon was the first angel investor in Hundy and has provided invaluable guidance on business strategy, marketing and fundraising since our founding. As a former founder with multiple successful adtech exits, he is now an early stage investor in multiple consumer direct, fintech, and martech companies in and around Miami.
Jarrod Glandt

Jarrod Glandt

Founding Investor

Jarrod is one of Hundy’s earliest investors and our biggest cheerleader. He heads up global sales at Cardone Training Technologies based in Miami, and also co-hosts the Young Hustlers, a Gen Y focused Business and Success Podcast, which covers the challenges that over 80 Million millennials entering the workforce will encounter.


Hundy, Inc.
Dec 1, 2022
$10k - $397k
Convertible Notes
Common Stock

What is a Convertible Note?

A convertible note offers you the right to receive Common Stock in Hundy, Inc.. The amount of Common Stock you will receive in the future will be determined at the next equity round in which the Company raises at least $1,500,000.00 in a qualified equity financing. The highest conversion price per security is set based on a $5,750,000.00 Valuation Cap or if less, then you will receive a 20.00% discount on the price the new investors are paying. You also receive 6.00% interest per year added to your investment. When the maturity date is reached, if the note has not converted then you are entitled to receive Common Stock equal to your investment and interest back at a price per security determined by dividing the Valuation Cap by the aggregate number of outstanding equity securities of the Company as of immediately prior (on a fully diluted basis).

*Annual Interest Rate subject to adjustment of 10% bonus for StartEngine shareholders. See 10% Bonus below.

COVID Relief

This offering is being conducted on an expedited basis due to circumstances relating to COVID-19 and pursuant to the SEC’s temporary COVID-19 regulatory relief set out in Regulation Crowdfunding §227.201(z).

Expedited closing sooner than 21 days.

Further, in reliance on Regulation Crowdfunding §227.303(g)(2) A funding portal that is an intermediary in a transaction involving the offer or sale of securities initiated between May 4, 2020, and February 28, 2021, in reliance on section 4(a)(6) of the Securities Act (15 U.S.C. 77d(a)(6)) by an issuer that is conducting an offering on an expedited basis due to circumstances relating to COVID-19 shall not be required to comply with the requirement in paragraph (e)(3)(i) of this section that a funding portal not direct a transmission of funds earlier than 21 days after the date on which the intermediary makes publicly available on its platform the information required to be provided by the issuer under §§227.201 and 227.203(a).

Investment Bonuses*


Invest in Week 1 - Get a 20% bonus on the Convertible Note interest rate

Invest in Week 2 - Get a 15% bonus on the Convertible Note interest rate

Invest in Week 3 - Get a 10% bonus on the Convertible Note interest rate

Invest in Week 4 - Get a 5% bonus on the Convertible Note interest rate

* $400 minimum investment required to receive perks



All investors (currently iOS device required) receive 1 member sponsorship option (per $100 invested) in the Hundy app community for a period of 6 months.



Tier 1

Receive 10 member sponsorship options in the Hundy app community with a bonus 3 months beyond the standard 6 month term offered to all investors in this offering (9 months)



Tier 2

Receive 25 member sponsorship options in the Hundy app community with a bonus 6 months beyond the standard 6 month term offered to all investors in this offering (12 months)



Tier 3

Receive 50 member sponsorship options in the Hundy app community with a bonus 9 months beyond the standard 6 month term offered to all investors in this offering (15 months)



Tier 4

Receive 100 member sponsorship options in the Hundy app community with a bonus 1 year beyond the standard 6 month term offered to all investors in this offering (18 months)

*All perks occur when the offering is completed.

The 10% Bonus for StartEngine Shareholders

Hundy, Inc. will offer 10% additional bonus interest for all investments that are committed by investors that are eligible for the StartEngine Crowdfunding Inc. OWNer's bonus.

Eligible StartEngine shareholders will receive a 10% increase in the annual interest rate on Convertible Promissory Notes in this Offering. This means your annual interest rate will be 6.6% instead of 6%.

This 10% Bonus is only valid during the investors eligibility period. Investors eligible for this bonus will also have priority if they are on a waitlist to invest and the company surpasses its maximum funding goal. They will have the first opportunity to invest should room in the offering become available if prior investments are cancelled or fail.

Investors will only receive a single bonus, which will be the highest bonus rate they are eligible for.

Irregular Use of Proceeds

The Company might incur Irregular Use of Proceeds that may include but are not limited to the following over $10,000: Vendor payments. Salary payments made to one’s self, a friend or relative.



Multiple investments in an offering cannot be combined to qualify for a larger campaign perk. Get rewarded for investing more into Hundy, Inc..
Owners bonus

Owner’s Bonus

Owner’s Bonus Members earn 10% bonus shares on top of this and all eligible investments for an entire year. Not a member? Sign up at checkout ($275/year).



Rebecca O'Dell

2 months ago

What happened to my HUNDY investment in StartEngine??? It no longer shows in my S/E account!!!



Shawn Finney

3 months ago

What is the status of repayment



Michael Cipriano

a year ago

Any update on any repayment of loan, and/or conversion? Thank you.



John Adamou

a year ago

When will I receive my investment conversion details on the Convertible Note to Common Shares?



Paul Ekezie

2 years ago

Any updates on at all



Pieter Sprinkhuizen

2 years ago

Your website still shows that the Startengine campaign is live while it closed half a year ago. Also, when can we expect an investor update?



Wesley Farriss

2 years ago

So there hasn't been an update recently. Is the Hundy team still hard at work?



Raif Derrazi

2 years ago

I invested 9 days ago and am still unable to register in the app as an investor. Please advise?



Dallas Banks

2 years ago

I’ve been an investor since an earlier round and have sponsored a few borrowers and started accumulating points. I see here it says February 2021 was the anticipated rollout of points redemption so we could see an actual ROI, but so far nothing. Can you shed some light on this?



Justin Bean

2 years ago

Hi Pete, I love the idea and applaud the impact you're making in the world. I'd like to invest but am first interested in hearing more about the financials, projections and runway before becoming profitable. I came across an older article that did some analysis and was pessimistic about the balance sheet. However, it looks like your team is reducing default rates and growing the customer base well. Do you have any other points in response the FUD in this article to reassure potential/hopeful investors like me? Thanks!




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StartEngine’s Reg A+ offering is made available through StartEngine Crowdfunding, Inc. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. For more information about this offering, please view StartEngine’s offering circular and risk associated with this offering.

The availability of company information does not indicate that the company has endorsed, supports, or otherwise participates with StartEngine.

None of the information displayed on or downloadable from (the any security. It also does not constitute an offer to provide investment advice or service. any security. It also does not constitute an offer to provide investment advice or service. any security. It also does not constitute an offer to provide investment advice or service. StartEngine does not (1) make any recommendations or otherwise advise on the merits or advisability of a particular investment or transaction, or (2) assist in the determination of fair value of any security or investment, or (3) provide legal, tax, or transactional advisory services.

All investment opportunities are based on indicated interest from sellers and will need to be confirmed.

Investing in private company securities is not suitable for all investors. An investment in private company securities is highly speculative and involves a high degree of risk. It should only be considered a long-term investment. You must be prepared to withstand a total loss of your investment. Private company securities are also highly illiquid, and there is no guarantee that a market will develop for such securities. Each investment also carries its own specific risks, and you should complete your own independent due diligence regarding the investment. This includes obtaining additional information about the company, opinions, financial projections, and legal or other investment advice. Accordingly, investing in private company securities is appropriate only for those investors who can tolerate a high degree of risk and do not require a liquid investment.

StartEngine Marketplace (“SE Marketplace”) is a website operated by StartEngine Primary, LLC (“SE Primary”), a broker-dealer that is registered with the SEC and a member of FINRA and the SIPC. (“SE Marketplace”) is a website operated by StartEngine Primary, LLC (“SE Primary”), a broker-dealer that is registered with the SEC and a member of FINRA and the SIPC. (“SE Marketplace”) is a website operated by StartEngine Primary, LLC (“SE Primary”), a broker-dealer that is registered with the SEC and a member of FINRA and the SIPC.