The money each person contributes will be an equity investment.
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You cannot advertise equity investments to the general public in the USA without registering with the SEC. Do you plan to do this?
Thanks for your help. This was just an idea I wanted to run up the flag pole. I don't plan to implement the site unless I can partner with someone who would be able to handle the main part: the SEC and legal.
That said, I'm dying to see someone (anyone) implement something like this. It's simply the future of funding web applications, in my opinion.