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An unaccredited investor is one who does not meet the wealth requirements of an accredited investor set by the SEC. Unaccredited investors have more restrictions on what is open to invest in.

Invest in Startup Companies

Investing in individual companies can be done through funding platforms like the ones we cover provides direct access to investing in firms equity and debt. We keep track of the costs of using each platform. We also provide market insights into what is occurring in the funding space.

Invest in Funds

Investing in startup focused funds ideally lowers risk due to diversification created by investing in more than one company at once. With this benefit usually comes fees which can cut into your return on investment. Learn more >

Build a Fund

Costs of building startup funds or syndicates are being driven down. This is currently possible for accredited investors to do so we assume non accredited investors will be able to do the same but no platform has explicitly stated this yet.  Learn more about how to and costs of creating funds >

Invest in Offerings in your State

Some states had passed laws to allow investment within their borders which has become more accessible than the federal laws. Some states have progressed investing for nonaccredited or unaccredited individuals beyond federal laws. This has been termed Intrastate Equity Crowdfunding and allows an unlimited number of nonaccredited investors if the entrepreneur is in the same state and follows the new laws in structuring the offering.

US States with Equity CrowdFunding Exemptions

It is possible to invest in a company that is listing equity in that state, but none of the platforms or portals we work with separate these offerings out yet. However we are aware of the following portals that specialize in intrastate offerings:

  1. Michigan Founders
  2. Texas NextSeed 
  3. Texas MassVenture
  4. Arizona Collaboratory
  5. Contact us to add to this list

Below is the status of each state

  • Allowed: Alabama, Alaska, Arkansas, Arizona, Colorado, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Jersey, New Mexico, North Carolina, Oregon, South Carolina, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, and Wisconsin
  • In progress: Missouri, Nevada, New Hampshire, New York, California
  • Rejected: Utah


Thanks to CrowdfundingLegalHub and Anthony Zeoli for the graphic, updates, and details on the statues.


Friends and Family

Other ways non accredited investors gained access to these investments were if they were friends and family of the team raising capital which allows for a limited set of unaccredited investors.  If you qualify as a friend or family member of an entrepreneur you can invest in their company. There is a limit on the entrepreneur to only allowing 35 nonaccredited investors. Massachussets limits this to only 10. New York, Massachusetts, and California have a blue sky law that does not require the founder to file expensive legal paperwork, while other states this is a requirement for the firm raising.


Real Estate

Fundrise states they have done 3 public offerings via Regulation A for non accredited investors. CrowdCrux and The Real Estate Crowdfunding Review created reviews of real estate portals.

Real Estate Offerings we cover >

Real Estate Market Insights >



Some platforms require minimum amounts to invest, but investors may be able to invest as little as $100.


How much am I allowed to invest?

An Accredited Investor has no limits. If you are not accredited, the amount you may invest each year in startup private equity offerings, will be between 5% and 10% of your income.  In order to understand the amount you can investment there are a few steps. One choose either your net income or net worth,  whichever is higher. If the higher number is over $100,000, you are allowed to invest 10% of it each year. If it below $100k you only invest 5%. For instance, if your income is $82,000 and your net worth $120,000, you'd be legally allowed to invest $12,000 per year in startups. We suggest consulting with a lawyer to ensure you are complying with the law.

Trading and Cashing Out

There are several places one can go to sell or trade their shares. This is harder to do than public markets, but it is possible. Some platforms will determine events that will sell shares for you.

Investings as a Non-U.S. Citizen

It is possible to invest from other countries unless the country you live in legally prevents you from investing.
We can help you invest as a non accredited investor. Contact Us for help