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“Price is what you pay.  Value is what you get.”  ~ Warren Buffett
AlphaFlow, with a mission to make it easy to invest in previously inaccessible asset classes, has again enhanced its value with a new addition to the Client Services team.  Aleese Peterson-Cotton, AlphaFlow’s Associate Director of Client Services, brings further depth and experience to the team already comprised of finance, real estate and technology professionals.


Aleese brings more than fifteen years of financial services experience, including wealth management and banking, to the AlphaFlow team.  Having moved to San Francisco in 2017, Aleese worked most recently as a Financial Advisor for an RIA in San Mateo following her departure as a Vice President and Private Client Advisor for US Trust in Southern California.  Prior to joining US Trust, Aleese worked for Bank of America N.A. in retail, mortgage, business banking and as a manager of preferred banking centers throughout San Diego County.


A native to Northern California, Aleese is excited to now reside in San Francisco where she has successfully transitioned from a career in traditional banking and investing to the ever expanding Fintech industry.  With the belief that financial technology will continue to disrupt more traditional investment techniques, Aleese is able to apply her experience and expertise to further enhancing the investor experience and deepening investor relationships in this industry.  Her varied background in lending, investing and relationship management provides a strong foundation for ensuring investor expectations are exceeded through the use of technology and data to make faster, smarter investment decisions in a traditionally relationship-driven industry.


Leveraging AlphaFlow’s platform and Optimized Portfolios, along with her passion for assisting clients with financial needs, Aleese manages investor relationships providing all aspects of investment oversight. She has a particular depth in working with accredited investors and family offices, and her knowledge extends to the unique areas of complex wealth structures, portfolio management and custom credit.  Throughout the client relationship, Aleese fosters an approach that is deliberate, thoughtful and consistent.  She begins by listening to, getting to know and learning from clients about their financial goals.  Whether advising an investor who is new to private placements and/or real estate investing or working with an experienced investor in the real estate industry, Aleese discusses and channels the AlphaFlow offering as it aligns with each client’s goals.


Outside of the office, Aleese can be found enjoying yoga, playing tennis, hiking, exploring new restaurants in the Bay Area and wine tasting in the Sonoma and Napa areas.  She also has a passion for supporting the community through local volunteer efforts and is an active member of various non-profits throughout California.


Whether in the office or not, Aleese loves to make connections, share her knowledge and continually learn from others.  She is proactively reaching out to connect and introduce herself to all new and existing investors of AlphaFlow Optimized Portfolios.  If she hasn’t reached you yet, she will!  Please feel free to find a time to connect with her here: Schedule a call with Aleese AlphaFlow Optimized Portfolios   “Know what you own, and know why you own it.” – Peter Lynch This week marked a big milestone for us here at AlphaFlow, as we hit one year since launching AlphaFlow Optimized Portfolios! Our vision at AlphaFlow is to unlock the world’s opaque markets, and we do that by making it easy to invest in previously inaccessible asset classes. After launching the industry’s first multi-lender funds in 2016, AlphaFlow Optimized Portfolios (or “AOPs”) were about taking the next step and giving clients an unprecedented experience: an automated real estate investment platform. You make one investment, and we build you a diversified portfolio of real estate bridge loans. It’s that simple. One year later, the platform is working very well. Transparency is one of our core values and so we wanted to share some portfolio statistics and insights. To start, here is a bit about our last 12 months:

AlphaFlow Optimized Portfolios (as of 3/5/18)

AOP Stats   The missing statistics are our actual yield on our investments and total AUM. To produce our offering, we needed to become a registered investment advisor with a fiduciary obligation to our clients, meaning we’re bound to put your interests ahead of our own. Being a regulated entity comes with restrictions though, including those around showing performance, so we unfortunately can’t share these metrics. That said, our fiduciary duties align nicely with our culture of credit over volume. Our underwriting, led by our Director of Investments, Miles Deamer, has been conservative. The results speak for themselves: after one year our delinquency rate* is an astonishingly low 1.66%! To illustrate, you can see that our LTV actually decreased over time:  

Daily Weighted LTV

Daily Weighted LTV Our investments have been spread across the country, providing clients with tremendous geographic diversification:  

Current AOP Geographical Diversification

AOP Geographical Diversification   Our clients have been pleased, perhaps demonstrated best by the additional capital they’ve added to their accounts after launching their AOP. In fact, the average annualized growth rate of a portfolio after it’s been opened is 69% (ie clients are almost doubling down on their initial investment after experiencing the platform). Real estate bridge loans offer very attractive returns, but we’ve experienced the immense challenges that come with this asset class as well. Our 90%+ rejection rate tells you how much work we think it takes to find good investments. In addition, “cash drag” can absolutely kill returns. These loans typically have 12 month maturities, but we’ve found the actual average duration to be closer to 6.5 months and so making sure your money isn’t just sitting in your account and dulling your returns is critical. Our auto reinvest feature, which almost 80% of our clients use, makes this effortless and usually reinvests repaid capital within a matter of days. As we look to the next year, our focus is on a few areas: What else would you like to see? You can always reach me and the wider investment team directly at ray@alphaflow.com and invest@alphaflow.com, respectively. It’s been an incredible first year and we’re excited as we embark on the next step in our journey!  
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    *Delinquency rate defined as dollars invested in loans that are 60+ days delinquent on payment, divided by total active dollars invested.

About the author:

Ray Sturm, CEORay Sturm is a leading entrepreneur in financial technology, and is currently the CEO of AlphaFlow. Prior to launching AlphaFlow, he founded RealtyShares, one of the P2P industry’s top platforms for real estate investing. His early career in finance included investment banking at Bear Stearns, restructuring at Lazard Frères and private equity at CCMP Capital.

Ray has a BBA-Finance from the University of Notre Dame and a JD/MBA from the University of Chicago.

Legal Information and Disclosures This memorandum expresses the views of the author as of the date indicated and such views are subject to change without notice. AlphaFlow has no duty or obligation to update the information contained herein. Further, AlphaFlow makes no representation, and it should not be assumed, that past investment performance is an indication of future results. Moreover, wherever there is the potential for profit there is also the possibility of loss.  This memorandum is being made available for educational purposes only and should not be used for any other purpose. The information contained herein does not constitute and should not be construed as an offering of advisory services or an offer to sell or solicitation to buy any securities or related financial instruments in any jurisdiction. Certain information contained herein concerning economic trends and performance is based on or derived from information provided by independent third-party sources. AlphaFlow Advisor, LLC (“AlphaFlow”) believes that the sources from which such information has been obtained are reliable; however, it cannot guarantee the accuracy of such information and has not independently verified the accuracy or completeness of such information or the assumption on which such information is based.  This memorandum, including the information contained herein, may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of AlphaFlow. 


Today, I am excited to share some big news about AlphaFlow! As you may have seen us announce in Bloomberg , AlphaFlow has closed our $4.1 million venture capital seed round with a group of incredible investors from both the technology and traditional finance worlds.

The round was led by Resolute Ventures and Point72 Ventures, the venture arm of Steve Cohen’s Point72 Asset Management. It also included participation from distinguished firms like Social Capital, Upside Partnership, and Red Swan Ventures.

Last March, we launched the first automated real estate investment platform. Today, within days of receiving an investment, we’re typically able to place our clients into unique portfolios of 80+ loans across 20+ states. That’s not an improvement on the industry. That’s absolutely reinventing real estate investing. Our company has embraced a culture of credit over volume, which has resulted in a default rate roughly 50% of what we typically see in the industry.

Building a Fintech company that truly changes the investment world requires you to both harness technology and leverage the capital markets. With that tremendous challenge in mind, it’s hard to have better partners than we have brought together here. When groups with the financial and investment expertise of Point72 break down your business and ultimately decide to invest, it’s not only great validation but also a chance to work with some of the industry’s sharpest minds who will improve every piece of our business. Ultimately, that means your portfolios will get even better.

This round will enable us to expand our engineering and data science teams responsible for our analytics suite and investment algorithms. We’ll also expand our lender relationships to allow us to evaluate more investment opportunities while maintaining an underwriting bar that today has us rejecting over 90% of loans we evaluate. Looking forward, we’re working on adding more asset classes as well as the ability to build a customizable portfolio for each and every client.

None of this would be possible without our clients, partners, investors, and all those who have worked closely with us to build the best possible platform. Thank you so much. We’ve come a long way, but we’re just getting started! And we look forward to growing with all of you.

Ray Sturm CEO & Founder alphaflow.com
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SAN FRANCISCOSept. 20, 2017 /PRNewswire/ — AlphaFlow, an automated alternative investment platform for real estate, announced today the closing of a $4.1 million seed round funding, led by Resolute Ventures and Point72 Ventures, the venture capital arm of Steve Cohen’s Point72 Asset Management. Other investment partners include Upside Partnership, Social Capital, Y Combinator, Clocktower Technology Ventures, an affiliate of Drobny Capital, Red Swan Ventures, and more.
AlphaFlow’s seed round comes two years after the company was established by CEO and former RealtyShares Co-Founder, Ray Sturm. AlphaFlow plans to use the funding to continue scaling successful partnerships with lenders and investors, both accredited individuals and investment managers.  Additionally, the company will build out its team, particularly the data science and engineering division responsible for the development of its analytics suite and investment algorithms. “We are providing investors and financial advisors with the resources they need to diversify their portfolios with real estate through cutting-edge technology and data analytics,” said CEO, Ray Sturm. “We are honored and proud to be backed by such esteemed firms and excited about the deep domain expertise in investment management they bring to the company. This funding will enable us to grow even faster and continue to reinvent real estate investing to match what our clients want: a diversified and 100% passive experience that is transparent, aligned with their best interests, and focused on identifying the most favorable risk-return opportunities.” AlphaFlow Optimized Portfolios are available for investment professionals such as endowments, pension funds, RIAs, and wealth managers, as well as by independent investors seeking uncorrelated returns through short‐term, higher‐yielding real estate loans backed by properties. “What we look for is extraordinary founders on a mission to upend massive industries stuck in their old model,” said Mike Hirshland, Co-Founder of Resolute Ventures. “With Ray and real estate finance we have both in spades, and are thrilled to be on the AlphaFlow team.” To date, AlphaFlow’s flagship product, AlphaFlow Optimized Portfolios, boasts broad diversification across hundreds of loans in 29 states, average LTV of 72%, and target net returns between 7.5 to 9%. With this seed round funding, AlphaFlow intends to continue to innovate in the application of sophisticated finance mechanisms to scale within the investment industry. About AlphaFlow AlphaFlow is the first and fastest-growing automated real estate investment management service, offering automatic portfolio diversification for real estate investments. The firm applies data, analytics, and technology to create broadly diversified, passive income-producing portfolios without the high fees and high minimums of traditional real estate investing. Launched in 2015, AlphaFlow Advisor, LLC is a registered investment advisor based in San Francisco, CA. For more, visit staging.alphaflow.flywheelsites.com.
I Want a Fully Optimized Portfolio
  AlphaFlow Dashboard   At AlphaFlow, our mission is to create the most passive, diversified and transparent real estate investment product on the market. While our clients love being hands-off in selecting and managing investments and rebalancing their portfolios, they are very hands-on when it comes to understanding how their money is put to work and how their portfolios are performing.  We are excited to share the redesigned AlphaFlow Optimized Portfolios dashboard. Many improvements were made and are largely based on client feedback. With this redesign, we have laid the foundation to continually improve our reporting and bring complete transparency to client investments.

The AlphaFlow Optimized Portfolios Dashboard

Key changes to the AlphaFlow Optimized Portfolios Dashboard include more detail around earnings, portfolio value, and optimization metrics. Let’s take a look at each:


With the new earnings card, you get complete transparency into what you’ve been paid and how much you’re accruing. Each day you can check in to see exactly how much you’ve earned. We also provide a visualization of earnings over time so you can see how your money grows. Scrolling over the graph shows you exactly how much your earnings were on that particular date, and you’re able to adjust the date range to see your earnings over time.

Maturity Schedule

AlphaFlow Maturity Schedule

With the new maturity schedule, you can see when the notes in your portfolio are scheduled to be repaid, giving you more visibility into your projected principal repayments*.  

Portfolio Value

AlphaFlow Portfolio Value

With the portfolio value table, you get a comprehensive overview of essential investment data. Every dollar of your portfolio is clearly laid out: total invested capital, cash earmarked to be invested into new notes, cash reserves (returned principal and earnings available to be withdrawn or reinvested, your choice!), and unreturned matured allocations (principal repayments that are being processed).  

Optimization Metrics

Optimization Metrics See how your optimization metrics have changed on a daily basis with the Optimization Metrics card. This card shows your portfolio’s average LTV, net interest rate, geographic diversification, and how many notes you’re currently invested in.

Investment Footprint

 Investment Footprint Though the investment footprint is not a new feature of the AlphaFlow Optimized Portfolios dashboard, it is our clients’ favorite visualization tool! In a single shot, you can see where your loans are allocated across the country. The map does more than aggregate loans into an MSA (metropolitan statistical area). You can zoom in and see where the loan and underlying property is located. Click on the pin to open the loan details. For a comprehensive, loan-by-loan summary, tab into Allocated Notes where you can also export the list of notes as an Excel file.

What’s Coming?

When we launched  the industry’s first automated real estate investment platform earlier this year, we knew that metrics and data would be a key to our clients’ experience of a new investment product: actively managed, broadly diversified, passive income-producing personal portfolios without the high fees and high minimums of traditional real estate investing. We are committed to providing the most transparent, thorough and valuable data and metrics. Open dialogue with our clients about what they need, and want to see, helps us to create a better user experience through constant improvements. To that end, we are already working on changes to the Balances page of the AlphaFlow Optimized Portfolios, in addition to providing downloadable monthly account statement reports. We’ll be sharing more about those changes soon!  
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  *The dashboard images shown above, and all the content of the dashboard, are provided solely as an example, and do not relate to any actual or model underlying real estate loans or mortgage notes, or any actual or model investments by investors. AlphaFlow does not represent, directly or indirectly that any information on this page of its Website, including but not limited to any graph, chart, formula or other device: (a) can in and of itself be used to determine what securities to buy or sell, or when to buy or sell them, or (b) will assist any person in making his/her own decisions as to which securities to buy or sell, or when to buy or sell them. Alphaflow does not make investment recommendations, and no communication through this Website or in any other medium should be construed as such. Any sale or purchase of securities is in the sole discretion of, and is conducted directly between, the issuer and the prospective investor. Nick Giovacchini   AlphaFlow is committed to the highest level of service to our clients. In order to maintain these standards, and open communication and consistent feedback loops, we’ve hired Nick Giovacchini – AlphaFlow’s Client Services Director. Nick hails from the East Coast, is passionate about basketball, well versed in all things finance, and has joined us here San Francisco to play point for our growing client base. We’re excited that Nick has joined us! Learn more about him in our Q&A and reach out to him anytime! Where are you from? I’m originally from Acton, MA which is about 40 miles outside of Boston.  I grew up playing a lot of basketball and tennis, and I had some amazing history and political science teachers who inspired me to study politics.  That’s what drove me to the George Washington University in Washington, DC and to study Political Science and Psychology. I also spent a semester abroad in Beirut, Lebanon in the spring of 2011 studying Middle Eastern Politics and Arabic (I can still speak a little).  After graduation, I joined the Mobile Commerce team at Barclays. What brought you to AlphaFlow? My first role with Barclays had me working on a mobile payments project (something similar to Apple Pay, or LevelUp), which gave me my first real taste of business and innovation, and exposure to the payments realm.  I then moved on to the Risk Analytics and Index Solutions team within Barclays, where I was working with some of the world’s largest asset managers to help them better understand the risks and drivers of return in their portfolios, mainly in the fixed income space. The Risk Analytics and Index Solutions group were sold to Bloomberg in the winter of 2015, and I wanted to move to a Fintech start-up. I joined a company called MarketFactory, which helps banks and hedge funds execute their electronic foreign exchange trading strategies.  While I enjoyed my time at MarketFactory and learned a lot, I realized how much I missed being part of the investment world. I decided I wanted to get back to it and found AlphaFlow.   What really stood out to me about AlphaFlow is that the company is more than an asset manager and that investment decisions are being made with sound underwriting.  What really excited me about AlphaFlow is the way we’re building technology and utilizing data to make faster, smarter investment decisions in a traditionally relationship-driven, local industry.  Developing our suite of investment analytics to better inform our investing decisions, our portfolio and risk allocation technology, and the ability to leverage and adapt those systems from the short-term residential bridge loans we’re building them for today to other asset classes in the future is incredibly exciting to me.  I’m looking forward to being able to work with all our clients to help them understand how each of these pieces works to build them the most diversified portfolios! What’s your view on Fintech? Given how many different realms finance touches, Fintech still has a lot of room to grow and better certain areas.  Some places that I see the application of technology to really disrupt are: -The use of AI in consumer fraud detection/prevention -Blockchain/immutable ledgers around custody of securities and transactions -Compliance tech (It sure isn’t fun or pretty to talk about, but risk and compliance are two areas banks and investment firms spend tons of money on every year and look for ways to improve) -More access to previously opaque markets (i.e. more real estate, art and precious gems) What are some of your favorite interests? On the finance side of things, I love tracking equity and global macro markets, and to a smaller extent, credit markets.  I’m a voracious reader of many different genres, especially while traveling (when I moved out to San Francisco, I drove across the country to get here!). Being from the Boston area, I’m a big New England sports fan, and I still love to play basketball, ski, water ski and play tennis when I can.  I’m also starting to learn Python! What do you like to read? Since I love and hail from a finance background, I read Matt Levine‘s morning emails from Bloomberg, Ploutos on Seeking Alpha, Howard Marks (of Oaktree Capital)’s memos, and Benjamin Graham’s The Intelligent Investor.  For regular news, I read both the New York Times and Wall Street Journal and Bloomberg.com and MarketWatch for finance news. While not exactly reading, I’m also a fan of a couple of podcasts.  Reid Hoffman’s Masters of Scale is incredibly insightful into what it takes to launch a successful startup.  I also enjoy Motley Fool’s Money and Market-Foolery podcasts for insights into popular stocks and market commentary.  On the Real Estate front, I listen to the Bigger Pockets podcast as they have some great episodes on different forms of real estate investing. Inman Connect at San Francisco, CA   AlphaFlow’s Chief Operating Officer, AdaPia d’Errico, will be sharing her insights at Inman Connect 2017, taking place the week of August 7th to 11th, in San Francisco, CA. She will be a part of a panel addressing the topic of ‘How I Attacked the RE Tech Space and Won‘ on August 9th at 3:05 pm. She will be joined by five other prominent entrepreneurs and leading experts in the real estate industry, who will also be sharing their practical advice and strategies on how they successfully conquered the challenges in the real estate market. Inman Connect 2017: Suit Up for Change, will take place at the Hilton San Francisco in Union Square. This is a week-long event bringing together more than 4,000 top-producing agents and brokers, CEO’s of leading real estate franchises, MLS and association leaders, tech entrepreneurs and marketing executives, to network, make deals and explore the newest technology in the industry. Inman Connect is where the real estate industry comes to learn about, embrace and leverage the change that surrounds real estate.  You can check the complete agenda of the event here. AdaPia will be a part of this year’s special Startup Intensive Track geared toward startup companies and entrepreneurs. Other speakers at the event include Vanessa Bergmark, General Manager/Partner at Red Oak Realty, Anca Dragan, Assistant Professor at UC Berkeley, Beverly Ruffner, CEO at Balance Business Consulting, Kindra Hall, Consultant at Telzall LLC and more speakers that includes senior-level executives from RESO, Second Century Ventures, BHGRE, Um-Marketing, Hilton & Hyland Real Estate, Spatial.ai, The Menkiti Group, 1000Watt, Kiva, Structurely, Powersolutions Consulting LLC and many more.   It’s been an incredibly exciting month at AlphaFlow, as many of our investors hit optimization on their portfolios and we brought on some huge additions to the team to help us better serve you: our clients. On May 15th, we announced that AdaPia d’Errico joined AlphaFlow as COO and I could not be more excited to have her as a partner in setting the strategic vision and growing the company.

The Company’s Evolution

None of the progress at AlphaFlow would have been possible without our close relationships with our clients, who shared both their desires and their fears about investing across the real estate crowdfunding space. As Steve Jobs said, “Get closer than ever to your customers. So close that you tell them what they need well before they realize it themselves.” We built an unparalleled experience. It just got better. Two years ago, we launched AlphaFlow with the mission of giving our clients the best possible investment experience. We introduced the industry’s first multi-platform funds last year, giving investors the ability to participate in 75+ of the industry’s best deals with one investment. Though the investment minimum was $10,000, our average investor trusted us with over $50,000. The funds worked well, but they had shortcomings. They were designed to address our clients’ challenges with the current investment model, instead of solving for what they actually needed. In March, we launched AlphaFlow Optimized Portfolios, completely redefining – and improving – the investment experience. For the first time, investors could access a highly-diversified portfolio of real estate loans in a truly passive way. We do all the work, backed by a sophisticated analytics platform we designed and built, and investors sit back and earn returns with only a low fee. Fintech has been tremendous for investors in creating access to new asset classes, and AlphaFlow has stepped in to simplify investing in real estate loans the same way ETFs streamlined investing in stocks. To accomplish our goals of building you a complete investment platform, we needed another leader in the company who shared our relentless focus on customer relationships, experience, and service. A leader focused on doing what is best for the client over pursuing initiatives that simply create meaningless vanity metrics. A leader who had earned the trust of both investors and other platforms. Today, I feel lucky to call her my partner. AdaPia and I met in the earliest days of the real estate crowdfunding industry when we were getting two of the first platforms (RealtyShares and Patch of Land) off the ground. It’s hard today to imagine how small the industry was then, as both platforms have taken off and the asset class has gained international recognition. AdaPia was one of the primary drivers in building that industry awareness with both retail and institutional investors, which starts with building strong relationships.

AlphaFlow’s Focus on the Client Experience

AdaPia and I share a philosophy of quality over quantity that now defines the culture at AlphaFlow. For you, this means with the leadership of our Director of Investments, Miles Deamer (another industry pioneer by way of LendingHome), we’ve taken on a culture of credit over volume. It means we’ve embraced spending on investment analytics over online advertising, and we have embraced the increased cost and time requirements of becoming a regulated company (we are a registered investment adviser) in order to best serve our clients. To better protect your capital, we’ve bolstered our engineering team to turn our credit model into an analytics platform more robust than anything we’ve seen in the industry. To serve you and your needs better, next month we’ll be introducing a new client relations team to bring a level of attention and care previously reserved for ultra-high net worth individuals. In focusing on relationships, we’ve found that expertise and returns are not enough. Clients today are seeking a level of personalization that reflects their unique goals, timetables, and risk tolerance. They are seeking someone who truly understands their wants and needs. We’ve started that process with AlphaFlow Optimized Portfolios, but we know we can do a lot more for our clients. Over the next 6-12 months, we’ll be giving you the power to customize your portfolios to match your unique needs. We’ve come a long way since the early days of real estate crowdfunding, but we’re just getting started. The future is bright, and we’re excited to partner with you all in building it!

About the author:

Ray Sturm, CEORay Sturm is a leading entrepreneur in financial technology, and is currently the CEO of AlphaFlow. Prior to launching AlphaFlow, he founded RealtyShares, one of the P2P industry’s top platforms for real estate investing. His early career in finance included investment banking at Bear Stearns, restructuring at Lazard Frères and private equity at CCMP Capital.

Ray has a BBA-Finance from the University of Notre Dame and a JD/MBA from the University of Chicago.

AFx This week, we were very excited to launch The AlphaFlow Exchange. For the first time, investors can easily see and compare real estate crowdfunding deals from some of the industry’s most respected platforms. The Exchange, or the AFx, has been live about 24 hours now and in that time, we’ve sent $181,000 in investments to the platforms. The feedback from our users has been tremendous. Ryan Smolek wrote in to say, “The Exchange! Finally! I can’t remember being this excited to see a filter on a Web page.” We’ll see if we can bring things more exciting than a web filter next, Ryan! 🙂 AlphaFlow is now working with investors in a number of ways, so I wanted to step back and tie this all together. As an active investor in the crowdfunding space, many of you have a number of accounts around the industry. There are many great platforms out there, and while some are fading away, we’re also seeing a number of new platforms being launched by experienced real estate professionals. The result is more fragmentation. That creates challenges in not only managing your portfolio, but also in building it the right way. AFx SquareWe could do better as an industry, and so we launched AlphaFlow! We asked ourselves, “As an investor, what would I want the experience to be?” I’d want to see all my investments in one place. I’d want to have analytics around my portfolio, making it easy to understand if too many of my deals were correlated. And of course, I’d want easy ways to invest across the industry – both passively in funds and actively by seeing all of the available deals. In short, I’d want a platform that empowers me to do with my P2P portfolio what E*TRADE lets me do with my stock portfolio. I’m proud to say that we’re moving down that path today. We’re fortunate to now call some of the industry’s most respected platforms our partners. The AFx was launched with Fund That Flip, Patch of Land, PeerStreet, and RealCrowd. This week we’re excited to also add LendingHome, and we’re working through a backlog of additional platforms which will be joining soon. We’re already talking with one platform about closing your investments on AlphaFlow, so building and managing a diversified portfolio will be easier than ever.


From day one, our mission at AlphaFlow has been to help investors like you easily build and manage a P2P portfolio. We’ve come a long way since we launched in September, but we’re just getting started! If you have any suggestions or requests, please feel free to reach out to us directly. We’re excited to get to know you! Welcome to the future of real estate crowdfunding! Note: AlphaFlow is available today for all accredited investors in the United States. If you enjoyed this post, sharing it on Facebook, LinkedIn or Twitter with the links below is the highest form of flattery. Thank you!

About the author:

Ray Sturm, CEORay Sturm is a leading entrepreneur in financial technology, and is currently the CEO of AlphaFlow. Prior to launching AlphaFlow, he founded RealtyShares, one of the P2P industry’s top platforms for real estate investing. His early career in finance included investment banking at Bear Stearns, restructuring at Lazard Frères and private equity at CCMP Capital.

Ray has a BBA-Finance from the University of Notre Dame and a JD/MBA from the University of Chicago.

This week we launched AlphaFlow to bring transparency and insights to your peer-to-peer investments. Today’s investors are having an increasingly difficult time keeping up with portfolios that can often include 5-15 different platforms. Two years ago, I co-founded what is today one of the industry’s leading platforms. I had responsibility for making sure investors had a great experience. There were challenges my customers had though that no single platform could solve. Many platforms were doing a good job of presenting deals, return metrics, and notifications, but each was doing it in a unique way and customers were having an increasingly tough time checking multiple dashboards. For some, this meant simplifying things and only working with one or two platforms, even if that resulted in missing out on good deals. Others tried to keep up, but few had any understanding of how their portfolios broke down by geography, asset class, sponsor, or even platform. Diversification is one of the fundamentals of prudent investing, but simply understanding your portfolio was becoming impossible in today’s P2P environment. So what got us here? We’ve come to a tipping point with a combination of (1) fragmentation in the P2P/crowdfunding world (there are over 700 platforms out there today), (2) huge strides by these platforms in building a supply of investment opportunities, and (3) massive investor interest. Historically, Wall Street went through patters of disrupting itself with new products, followed by stabilization. Now that pattern itself has been disrupted, with P2P Investing creating new opportunities and leaving Wall Street to knock on the door to try to participate too. The new equilibrium is now defined by constant disruptions. This creates the types of challenges that only a true third party like AlphaFlow can solve. My favorite part of working at RealtyShares was always dealing with our customers and helping to bridge the knowledge gap for new investors – many of whom are wildly successful in careers such as medicine, law, or technology – and professional investors who had traditionally dominated these type of investments. Given the increasing number of great (and not-so-great) platforms out there today, we wanted to give investors a single platform to both understand their existing portfolios and to make intelligent decisions on how they invested going forward. We’re already partnering with some of the industry’s leading platforms, and we’ll continue to add more. There’s a long way to go, but it’s going to be an exciting journey and we’re going to help you absolutely transform the way you understand and manage your P2P portfolio. If you’re reading this and haven’t yet joined, we hope you will here!

If you enjoyed this post, please share it on Facebook, LinkedIn or Twitter with the links below. Thank you!

About the author:

Ray Sturm, CEORay Sturm is a leading entrepreneur in financial technology, and is currently the CEO of AlphaFlow. Prior to launching AlphaFlow, he founded RealtyShares, one of the P2P industry’s top platforms for real estate investing. His early career in finance included investment banking at Bear Stearns, restructuring at Lazard Frères and private equity at CCMP Capital.

Ray has a BBA-Finance from the University of Notre Dame and a JD/MBA from the University of Chicago.

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