About

We want to thank everyone for their pledges and support of our campaign. We've decided to cancel the campaign and focus our efforts on further developing the website. We hope to boost traffic with improved content and create partnership opportunities for the many alternative finance sites that share our long-term vision of a thriving ecosystem where millions of people can benefit from bankless transactions.

We are fully committed to our vision and we are working hard to move it forward. Keep spreading the word and supporting the cause.

Come by our site to see our progress.

BanklessTimes is an online publisher of news and information for the alternative finance market. Our goal is to get people out of banks and into direct transactions.  We are an advocate for a new way of borrowing, lending and funding creative and cause-based projects. We also serve as a watchdog keeping the alternative finance industry honest and accountable. We are now up and running with content culled from many reputable sources.

But there are huge gaps in news and information that we intend to fill with smart, original content. We will offer "how to" educational guides, investigative pieces, advocacy journalism, opinions, commentary and more.

The funds from this campaign will finance our first crop of original work by some of the best writers, reporters, analysts and video producers in North America. This will allow BanklessTimes to fill the information gap, and empower people to better understand their options and make informed decisions to improve their financial position.

# THE PROBLEM

Millions of credit-worthy borrowers can't get a bank loan.

Depositors are dissatisfied with interest rates of less than 1%.

There are options for frustrated borrowers and people who have money to invest and want better returns than what they get from their bank.  But there is no focused, objective source of information about those options.

Through peer-to-peer lending, crowd funding, alternative banking and more, people can now come together to change how finance works. Numerous sites are operating where people can get unsecured loans of $25,000 or less, real estate loans, student loans, business loans or funding for creative projects.  It's called the alternative finance market, and it's booming online.  BanklessTimes wants to be the news and information source that drives a thriving ecosystem where people lend to and borrow from each other. No banks, no Wall Street, no regulators. 

Think of it as a big, digital version of "It's a Wonderful Life," where we all work together to help the community thrive. BanklessTimes is not just a website, it's a movement. We invite you to join us.

# HOW WILL IT WORK?

BanklessTimes is all about transparency and accountability in new finance -- or Finance 2.0. We are adding writers to our team who have major journalistic chops and experience in exposing bad behavior. They also have a talent for making the complicated topics easy to understand. They have access to the leading experts and whistleblowers, and their stories will provide content and context not available from other sources.

Our editorial team will also weigh in on the stories of the day, with opinion and background to bring real meaning to the headlines.

But it's not just a one-way street. We will engage our community of readers with live chats, user comments, guest blogs and live video events.

This content collective will become the central hub for our emerging economy and new alternative finance options. In the future, we intend to develop affiliate partnerships to support the cost of the editorial work, while maintaining complete transparency with our readers. Good, original journalism is worth the investment.

We are looking to pay freelance writers $200 per article. If we hit our Kickstarter goal, we will be able to add three original stories per day for three months. 

This continuous addition of well-written and thoroughly researched articles will build audience over time, creating value for affiliate partners and advertisers.

Risks and challenges

Our biggest risk is that we are not able to perform timely fulfillment. However, we have kept our rewards list very attainable, and we don't believe production and distribution of items like T-shirts will be difficult. Most of our fulfillment can be handled via email. We also run the risk of not being able to attract the writers we hope, but given our connections within the industry and the many, many good writers hungry for paid writing assignments, we do not believe this will be a problem either.

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Support

  1. Select this reward

    Pledge $10 or more About $10

    Acknowledgement on our site and social media as a BanklessTimes founding contributor.

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    13 backers
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    Pledge $25 or more About $25

    ONE HIT FUNDER - Signed postcard from founders, and an acknowledgement on our site as a BanklessTimes founding contributor

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    5 backers
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    Pledge $50 or more About $50

    Six pack of BanklessTimes "Fiscal Cliff Bars." Give them to your friends! And, of course, an acknowledgement and personalized postcard.

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    2 backers
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    Pledge $75 or more About $75

    BanklessTimes T-shirt, an acknowledgement, and a personalized postcard.

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    2 backers
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  5. Select this reward

    Pledge $100 or more About $100

    Join the editorial board. Help us choose stories to cover through All Our Ideas page, get credit if we use one. Also get a BanklessTimes T-shirt and, of course, an acknowledgement and postcard.

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    4 backers
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    Pledge $150 or more About $150

    SUPER INFORMED FUNDER - Ebook of the best-of educational articles of the year (covering peer-to-peer lending, crowd funding, sharing economy, etc.) plus a spot on our editorial board, T-shirt, thank-you acknowledgement, and postcard.

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    3 backers
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    Pledge $300 or more About $300

    Personal invitation to our launch party in San Francisco. Plus ebook, editorial board, T-shirt, thank you acknowledgement, and postcard.

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    1 backer
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    Pledge $750 or more About $750

    FUNDALICIOUS - Dinner with the BanklessTimes team at the (fiscal) Cliff House (transportation to SF not included). Plus launch party invite, ebook, T-shirt, thank you acknowledgement and postcard.

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    Pledge $1,000 or more About $1,000

    FUNDING FATHER - Guest editor on our site for a week. Help shape the stories, work with the team. Plus, launch party invite, ebook, T-shirt, thank you acknowledgement, and postcard.

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    Pledge $1,500 or more About $1,500

    MOTHER FUNDER - Passes for two to attend our first annual alternative finance symposium in Woodside California in 2013 (transport to SF not included). Plus, two launch party invites and TS-shirts, ebook, thank you acknowledgement, and postcard.

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    Pledge $5,000 or more About $5,000

    BIG MOTHER FUNDER - Corporate sponsor. Get your name all over the site for 1 month and permanent acknowledgement as one of our initial sponsors. And receive five passes to attend our first annual symposium and invitations to our launch party!

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Funding period

- (30 days)