You may choose to purchase shares from an existing order by clicking on the desired order listed below, which will autofill the form on this page. If you choose to purchase an existing order, you will immediately purchase those shares after placing your order, and your shares will be available in your Netcapital Investment Dashboard.
Please be sure to check any news/developments about any company listed on the STP in the "Updates" section of the issuer's offering page before placing any order to buy or sell shares.
Don’t see a price you like? You can set the price at which you want to purchase shares, and that price will be shown to potential sellers. If your order is not completely fulfilled at the time it is submitted, it will remain open. If a seller creates an order to sell shares below your price threshold and your order represents the highest bid, the Netcapital platform may automatically execute those transactions up to the number of shares you specify.
You will be notified by Netcapital when any such transactions occur, and the shares purchased will be available in your Netcapital Investment Dashboard.
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Currently, there are no outstanding orders to sell Finnest shares. However, you can set the price at which you want to purchase shares, and that price will be shown to potential sellers. If a seller creates an order to sell shares below your price threshold and your order represents the highest bid, the Netcapital platform will automatically execute those transactions up to the number of shares you specify.
You will be notified by Netcapital when any such transactions occur, and the shares purchased will be available in your Netcapital Investment Dashboard.
Due to great demand, this offering is sold out at the moment, but that may change if someone withdraws their commitment. Watch Finnest’s page for availability. We’ve recorded your interest in Finnest, and we‘ll send updates when feasible.
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Accredited entities are technically called “accredited investors”—that means they meet criteria set by the government that allow them to invest more freely. When people invest on Netcapital, we prompt them to become an accredited investor (or to accredit a holding entity) when it's relevant.
For entities, one or more of the following two criteria must be true:
It's also possible to become an accredited investor as a human.
The above is only a summary. If you want to know all the specifics, refer to 17 CFR 230.215 and 17 CFR 230.506.
Accredited investors meet criteria set by the government that allow them to invest more freely. When people invest on Netcapital, we prompt them to become an accredited investor when it's relevant.
For humans, the criteria are based on your income and net worth:
It's also possible to become an accredited investor as an entity.
The above is only a summary. If you want to know all the specifics, refer to 17 CFR 230.215 and 17 CFR 230.506.
Certain shares may have been issued less than one year ago, which means they can only be purchased by accredited investors.
Accredited investors meet criteria set by the government that allow them to invest more freely. When people invest on Netcapital, we prompt them to become an accredited investor when it's relevant.
For humans, the criteria are based on your income and net worth:
It's also possible to become an accredited investor as an entity.
The above is only a summary. If you want to know all the specifics, refer to 17 CFR 230.215 and 17 CFR 230.506.
Investors are permitted to sell securities to any of the 6 types of eligible buyers:
Use the value listed on your federal tax return for last year. You may calculate your annual income jointly with your spouse.
Your company’s annual revenue is equivalent to its gross income.
Your company’s net assets are the value of your company’s total assets minus its total liabilities.
Net worth is calculated by subtracting your liabilities from your assets.
Do not include your primary residence as an asset or a liability, unless it is used to secure indebtedness in excess of its fair market value as of today. If that’s the case, count the amount of the liability that’s in excess of the fair market value of your primary residence as of today.
You may calculate your net worth jointly with your spouse.
The Securities and Exchange Commission (SEC) is an agency of the United State government which is responsible for enforcing federal securities laws, proposing new securities rules, and regulating the securities industry. The SEC’s mission is to “protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation.”
Be sure to understand the risks of this type of investment. No regulatory body (not the SEC, not any state regulator) has passed upon the merits of or given its approval to the securities, the terms of the offering, or the accuracy or completeness of any offering materials or information posted herein. That’s typical for Regulation CF offerings like this one.
This is an early stage company. It has limited history, clients and revenues. If you are investing in Finnest, it’s because you think this is a great product and team entering a fairly new market segment, and that they can continue to generate interest and increase customer base in order to succeed.
New competitors could enter the market and could therefore prevent the company from growing as anticipated. This can result in significantly reduced revenues and larger operating losses.
If the Company is unable to raise additional capital on acceptable terms, it may be unable to complete product development or commercialize its products.
The Company will require substantial future capital in order to acquire customers and grow operations. There can be no assurance that additional funding will be available on acceptable terms. Failure to satisfy our capital requirements will adversely affect the Company’s business, financial condition and results of operations because the Company would be left without the capital required to complete product development, or establish sales and marketing capabilities.
We are highly dependent on the services of our founder. Our future business and results of operations depend in significant part upon the continued contributions of our CEO and founder. If we lose those services or if he fails to perform in his current position, or if we are not able to attract and retain skilled employees in addition to our CEO and the current team, this could adversely affect the development of our business plan and harm our business. In addition, the loss of any other member of the board of directors or executive officers could harm the Company's business, financial condition, cash flow and results of operations.
Start-up investing is risky. Investing in early-stage companies is very risky, highly speculative, and should not be made by anyone who cannot afford to lose their entire investment. Unlike an investment in a mature business where there is a track record of revenue and income, the success of a startup or early-stage venture often relies on the development of a new product or service that may or may not find a market. Before investing, you should carefully consider the specific risks and disclosures related to both this offering type and the company.
Your shares are not easily transferable. You should not plan on being able to readily transfer and/or resell your security. Currently there is no market or liquidity for these shares and the company does not have any plans to list these shares on an exchange or other secondary market. At some point the company may choose to do so, but until then you should plan to hold your investment for a significant period of time before a liquidation event occurs.
Our future growth depends on our ability to develop and retain customers. Our future growth depends to a large extent on our ability to effectively anticipate and adapt to customer requirements and offer services that meet customer demands. If we are unable to attract customers and/or retain customers, our business, results of operations and financial condition may be materially adversely affected.
Third parties might infringe upon our technology. We cannot assure you that the steps we have taken to protect our property rights will prevent misappropriation of our technology. To protect our rights to our intellectual property, we plan to rely on a combination of trade secrets, confidentiality agreements and other contractual arrangements with our employees, affiliates, strategic partners and others. We may be unable to detect inappropriate use of our technology. Failure to adequately protect our intellectual property could materially harm our brand, devalue our proprietary content and affect our ability to compete effectively. Further, defending any technology rights could result in significant financial expenses and managerial resources.
Any forecasts we make about our operations may prove to be inaccurate. We must, among other things, determine appropriate risks, rewards, and level of investment in our product lines, respond to economic and market variables outside of our control, respond to competitive developments and continue to attract, retain, and motivate qualified employees. There can be no assurance that we will be successful in meeting these challenges and addressing such risks and the failure to do so could have a materially adverse effect on our business, results of operations, and financial condition. Our prospects must be considered in light of the risks, expenses, and difficulties frequently encountered by companies in the early stage of development. As a result of these risks, challenges, and uncertainties, the value of your investment could be significantly reduced or completely lost.
We could be liable for breaches of security on our website, fraudulent activities of our users, or the failure of third party vendors to deliver credit card transaction processing services. A fundamental requirement for operating an Internet-based business is the secure transmission of confidential information and media over public networks. Although we design our systems and processes to protect consumer information and prevent fraudulent credit card transactions and other security breaches, failure to mitigate such fraud or breaches may adversely affect our operating results.
We have primarily been focused on product development: To compete successfully in this market, we must continue to design and develop, new and enhanced software solutions products and services that provide high levels of performance and reliability at a low cost. If we are unable to develop services that address the needs of our target customers, or to enhance and improve our services in a timely manner, we may not be able to achieve or maintain adequate market acceptance of our services.
Maintaining our reputation is critical to our ability to attract and retain clients, and our failure, or perceived failure, to appropriately operate our business or deal with matters that give rise to reputation risk may materially and adversely harm our business, prospects and results of operations. Our failure to deliver appropriate standards of service and quality could result in customer dissatisfaction, litigation and heightened regulatory scrutiny, all of which can lead to lost revenue, higher operating costs and harm to our reputation. Further, negative publicity regarding us, whether or not true, may be detrimental to our business.
Information provided concerning this Offering and the Company’s business may contain forward-looking statements, which reflect management’s current view with respect to future events and the Company’s performance. Such forward-looking statements may include projections with respect to market size and acceptance, revenues and earnings, marketing and sales strategies, and business operations. The Company operates in a highly competitive business environment. The Company’s business is and will continue to be affected by government regulation, economic, political and social conditions, consumer response to new and existing products and services, technological developments and, particularly in view of new technologies, the ability to protect intellectual property rights. The Company’s actual results could differ materially from management’s expectations because of changes in such factors. Other factors and risks could also cause actual results to differ from those contained in forward-looking statements. Due to such uncertainties and the risk factors set forth herein, prospective investors are cautioned not to place undue reliance upon such forward-looking statements.