Todd is an entrepreneur, investor and business operations specialist whose mission is to blend 21st Century technology with the 21st Century regulatory environment to provide Main Street entrepreneurs, individuals and SME’s an efficient, affordable and easy to follow path to capital formation.The implicit promise to entrepreneurs and SMEs of access to capital markets through the confluence of efficiencies brought by the Internet, the JOBS Act and blockchain technology has been stifled by the clutter of gatekeepers that remain on the SME’s path from business plan to capital. The promise can be fulfilled only by a thorough-going program of disintermediation that allows technological efficiency to supplant the service providers of the past.Todd envisioned an end-to-end solution or capital formation platform that deploys affordable technology which performs functions traditionally performed by expensive service providers: investment bankers, lawyers, banks, clearing firms, transfer agents, brokers. Just as the platform allows the skills and energies of its entrepreneurial users to eliminate the expense of service providers from the road to capital, the marketing program was designed to utilize the social capital of the entrepreneurial clientele to facilitate the distribution of the technology, thus avoiding the costly investment in marketing that commonly condemns start-up technology companies to years of unprofitable operations. The vision is to replace the one-off path to capital trod by a lone, already-well-funded business with an interactive community of Main Street entrepreneurs sharing their social capital to enable each member of the community access to capital as needed to bring his or her business ambition to fruition. Confidence in the vision is strong because it stands on the shoulders of giants of community business enterprise: the savings-and-loan industry, the agricultural cooperative movement, credit unions, Ace Hardware. These examples of success in cooperative business enterprises demonstrate that social capital can rival or surpass financial capital in the struggle toward profits.